When everything seems to be going wrong—relationships, work, life, etc.—the last thing on someone’s mind is finding a way to pay for rehab. The consequences of going without help are far worse, however. People who suffer with addiction are statistically more likely to face problems at home and work, develop chronic diseases and experience legal problems or incarceration according to the National Institute on Drug Abuse (NIDA).
Effectiveness of Addiction Treatment
Some people believe addiction treatment isn’t worth the cost because they know someone who went through treatment and still relapsed. Relapse is actually a common symptom of addiction because it is a chronic disease without a cure according to NIDA. Effective addiction treatments offer tools to help a person manage the disease and allow the brain to heal by being free of substances according to the (SAMHSA). If a person does experience a relapse, it isn’t a sign treatment doesn’t work; instead, it’s a sign more treatment is needed and a person needs more support.
Other people go without treatment because they believe their substance problem is too mild for treatment according to research in the Journal of Substance Abuse Treatment. People also avoid treatment because of privacy concerns and because of a belief they can solve the problem on their own. Getting treatment at the first sign of illness, however, is beneficial for several reasons. A chronic disease, such as addiction, benefits from regular and consistent treatment, and catching the disease early on prevents it from becoming more severe and more difficult to treat.
Affording Addiction Treatment
There are plenty of ways to pay for addiction treatment, but knowing where to start is the key. Addiction treatment centers, such as Foundations Recovery Network, offer information about how much coverage a person’s health insurance policy offers.
With the passage of the Affordable Care Act, the majority of health insurance plans are required to cover addiction treatments although the level of coverage varies by plan. While around half of Americans have health insurance coverage through an employer, there are still millions of people who do not qualify for Medicare or Medicaid or who cannot afford an individual policy on the Health Insurance Exchange according to the Kaiser Family Foundation. Many people qualify for subsidies to help them afford policies on the exchange, but others still may find coverage too expensive in their individual states.
If possible, buying a health insurance policy is the best way to pay for addiction treatment. Insurers contract with area addiction treatment centers and clinicians to get the best rates. When a person is treated at an in-network facility, the copayments and coinsurance will be lower than services offered at an out-of-network facility. For people who still cannot afford the out-of-pocket costs for treatment, there are other funding options.
Other Ways to Manage Costs
Addiction not only takes a person’s financial resources, it prevents him from living a fulfilling, happy life. When health insurance isn’t affordable or still doesn’t cover enough of treatment costs, there are other options for paying for treatment:
- Clinical trials – The NIDA and other groups regularly conduct clinical trials to determine the best practices for treating drug abuse. New trials open all the time, and listings are available at clinicaltrials.gov
- State and federal programs – Some local communities and states offer public addiction treatment programs on a need-based level. Other programs are available through a payment plan or on a sliding scale. SAMHSA offers a list of participating facilities on its website.
- Private facilities – Some private facilities will work with individuals and families to create a payment plan or possibly offer services on a sliding scale.
Religious-based 12-step programs, such as Alcoholics Anonymous, also offer support for people struggling with addiction. While these groups are good options for many people, they do not offer the initial detox services and individualized counseling available at residential centers.
Need Help Finding Addiction Treatment?
Addiction treatment is crucial for the well being of an individual and his family and friends. Going without treatment makes someone more vulnerable to crises situations in the future and prevents healing from current problems.
If you or a loved one needs help finding an effective treatment program, please call our 24 hour, toll-free helpline. Our treatment philosophy is based on helping the whole person—mind, body and soul. We specialize in treating co-occurring disorders such as substance addictions that occur along with mental health conditions.
A successful recovery means lifestyle changes that help a person avoid temptations and unhealthy habits. Our addiction coordinators are trained to find the best treatment program for each individual person. Our toll-free helpline is available 24 hours a day, seven days a week. Don’t wait to find help. Call today.