The cost of addiction treatment can be an overwhelming burden to those in need. This is especially true for those who need inpatient rehab or other comprehensive care.

Fortunately, the cost of treatment can be a lot less daunting when you have the right type of insurance. Whether you’re looking for private insurance, Medicaid or Medicare, there are plenty of ways to get the treatment you need.

Health Insurance

Before the Affordable Care Act, many people struggled to afford treatment for substance use disorders. Consequently, they were often untreated and went unchecked for months or years at a time.

However, the ACA made it possible for more people to get help with their addictions than ever before. It removed the stigma that accompanied pre-existing conditions, and now almost every health insurance plan sold in the United States is required to cover addiction treatment services.

There are a few ways to find out if your health insurance will cover treatment for you or your loved one. The first is to call the phone number of your insurance provider and ask if it will cover rehab at the treatment facility you’re interested in.

There are also many group insurance plans available that are offered through employers. Using these plans is typically more expensive than purchasing private health insurance, but it can be a good option for some people who don’t have the funds to purchase their own coverage.

Scholarships

In recent years, the cost of treatment has become a major barrier for those seeking addiction recovery. But thankfully, there are many ways to pay for addiction treatment without resorting to debt.

One option for those who do not have insurance is to seek out scholarships. These can be found through nonprofit organizations or private treatment facilities.

Scholarships can help pay for inpatient treatment at a drug rehab center. They can also be used to pay for outpatient or partial hospitalization programs, and even aftercare services.

If a person is unable to cover the cost of treatment, they may be able to apply for grants from a government agency like the Substance Abuse and Mental Health Services Administration.

In addition to grants, some drug rehab centers have financing options available in-house or through specialized loan companies. These programs typically have low interest rates and easy pay-back plans.

Private Financing

Addiction is a life-altering disease that affects many aspects of someone’s life, including finances. As a result, coping with this disorder is often difficult for many people and their loved ones.

However, there are several financial options that can help individuals with paying for addiction treatment. These options include health insurance, scholarships, private financing and payment plans.

The first option for those looking to pay for addiction treatment is through their health insurance. This is especially helpful for those with low incomes or who qualify for Medicaid and Medicare.

Another option is to ask for help from family members and friends. These people may be reluctant to give you money, but if you show them a genuine desire to get better, they might be willing to help.

Alternatively, if you own a home, you may be eligible for a home equity loan. These loans are relatively low risk, and often have very low interest rates.

Payment Plans

Whether you’re looking for a payment plan to pay for rehab or you simply don’t have the resources to afford treatment, there are options out there that will help. These options include public insurance programs such as Medicaid and Medicare, as well as private health plans that are offered through employers or sold individually.

Fortunately, there’s also an alternative payment model in the works that will financially incentivize physicians and other providers to treat individuals with addiction disorders as they would with a chronic disease. This model aims to integrate addiction recovery into standard health care practices and foster ready access to evidence-based services that can help patients achieve lasting recovery.

In addition, some drug and alcohol rehab centers offer payment plans that allow clients to spread their treatment costs over time. These are typically sliding-scale fees that take into account a client’s income and financial situation, and they can be helpful in helping people who are struggling to pay for addiction treatment.