Paying for Addiction Treatment: What You Need to Know
The dominant myth about drug addiction treatment is that it is overpriced and unaffordable, especially for the ones who need it most. When living in the crisis of addiction, financial management is often one of the first areas of life to be negatively impacted by the effects of drug use, and this situation is usually at its worse by the time the person is seeking treatment. So how is it possible to pay for the expense of drug addiction treatment in this situation?
The first stop in covering the cost of addiction treatment is insurance. Most people in the United States now have some measure of insurance and, at this moment, plans that are approved under the Affordable Care Act are required to offer coverage for services to treat addiction – both medical and therapeutic.
The issue arises when it comes time to define what treatment services are medically necessary. Insurance companies often do not comply easily in these cases, requiring proof that the most expensive treatment options (e.g., residential care, expensive medications, etc.) and nontraditional methods of treatment are in fact medically needed in any given case. Many will require that their clients first seek treatment using less expensive methods (e.g., outpatient treatment) or require a doctor’s recommendation with demonstrable medical evidence that a more expensive treatment is needed.
This process is frustrating and it can take time, but connecting with a drug rehab program and engaging their assistance in acquiring coverage for treatment can defray costs significantly – In some cases reducing the total to a standard copay amount or deductible.
The next place to look for the funds to pay for treatment is one’s own resources. Though it may initially seem like there is nothing to spare, many families find that when they pull together and do the following, they can come up with a significant amount of money to pay for treatment:
Ultimately, a budget will be necessary to manage the costs associated with addiction, including treatment. It is important for families and their loved one in recovery from addiction to work together and commit to a more financially healthy lifestyle during treatment and after. Learning how to pay back debt associated with addiction can help the whole family to heal and be an indicator of progress in recovery. This should not be the responsibility of the family alone. The person in recovery should play a significant role in earning the money to pay back debts associated with addiction during the process of establishing a new life in recovery.
Families can best facilitate this process by:
Focusing on a budget can help families to work together on other aspects of relationship repair in recovery at the same time.
It is a rare case in which a client pulls solely from one source to cover the cost of treatment. In most cases, people work together within the family to come up with the costs necessary to pay for immediate detox and therapeutic care, and then for aftercare and ongoing treatment services as well.
Everyone’s experience during addiction in terms of finances will be different; thus, everyone will approach the question of paying for treatment from a unique perspective. The bottom line is that a solid treatment program is well worth the cost and that, with some effort and organization, paying for treatment does not have to be an obstacle to connecting with necessary care. A good drug rehab program will be able to answer your questions about the process of paying for treatment and assist you in the financial management part of recovery in addition to helping you manage the medical and therapeutic treatment you and your family need to heal.