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Paying for addiction treatment may seem overwhelming, but it doesn’t have to be. Representatives at The Recovery Village Palm Beach at Baptist Health are well-versed in insurance plans and can discuss your policy and treatment options.
You can pay for rehab in several ways:
- With coverage from a private health insurance provider
- Through private payments
- Through crowdfunding or fundraising
- With a treatment scholarship, grant or loan
The total financial cost of rehab depends on factors like:
- Whether you have health insurance
- Whether your provider is in- or out-of-network with a facility
- The details of your health insurance policy, including whether it specifies covered rehab programs and lengths of treatment
- The type of rehab center you choose (luxury facilities are typically more expensive) and its location
- The level of care you need (intensive care like detox and residential treatment are typically more involved and costly than lower levels of care)
- How long you stay in treatment (longer stays may cost more than shorter stays)
Paying for Treatment With Insurance
Two main types of health insurance exist:
- Private insurance policies: These are plans you buy for yourself or have through an employer (a small group policy). With private insurance, you are responsible for all or some of the financial costs. Most private insurance plans cover rehab costs either completely or partially.
- Public insurance policies: The government provides these plans, and the government may wholly or partially cover your costs. Government-funded insurance plans include Medicare and Medicaid, and these plans may not cover rehab costs.
Whether you have private or public insurance, you will likely still incur out-of-pocket costs when attending rehab. The amount you’re responsible for paying will depend on your insurance policy, so it’s crucial to talk with your provider about the rehab coverage details of your policy.
Insurance Providers That We Accept
At The Recovery Village Palm Beach at Baptist Health, we are in-network with most private insurance providers. You can instantly check your benefits and coverage using our health insurance verification tool.
Other Payment Options
If you don’t have a private insurance policy, you may be able to access rehab through:
- A government-funded public health insurance policy
- Provisions from the Affordable Care Act, or ACA
- A state or local government program
- Crowdsourcing funds or holding a fundraiser
Medicare and Medicaid
Medicare is a public, government-funded insurance provider for people over the age of 65, as well as for some young people who have disabilities. Medicare may help cover addiction treatment if your provider deems it necessary, if you receive treatment at an approved facility and if your provider sets up the plan of care. Medicare part A and B may help pay for inpatient care and outpatient treatment, respectively.
Medicaid is another government-funded insurance provider that covers low-income households. Some Medicaid policies provide a form of substance use disorder services, but policies vary by state. The 2014 expansion of the Affordable Care Act requires Medicaid to include treatment for substance abuse in some states.
Although Medicare and Medicaid may cover some addiction treatment, many rehab facilities do not accept these policies as payment. The Recovery Village Palm Beach at Baptist Health does not currently accept Medicare and Medicaid, but we work with clients to find a solution that meets their needs, even it means helping them find treatment elsewhere. If you have one of these providers, you can:
- Call your Medicare or Medicaid toll-free number and ask about rehab coverage
- Elect to pay for rehab privately and finance your treatment
- Call The Recovery Village Palm Beach at Baptist Health to speak with someone who can help you find other options for treatment in your area
The Affordable Care Act
The Patient Protection and Affordable Care Act of 2010, commonly referred to as the Affordable Care Act (ACA) or ObamaCare, was signed into effect in 2010.
The ACA makes substance use disorder treatment accessible for Americans as it created regulatory changes that require existing insurance plans to cover substance use disorder treatment, and requires treatment to be covered like medical and surgical procedures.
The ACA outlines essential health benefits that insurance plans must cover at no dollar limits, including treatment for mental health conditions and substance use disorders. Under the ACA, drug and alcohol addiction is no longer seen as a preexisting condition, and the ACA treats addiction like other diseases that deserve preventative care and early intervention.
According to the ACA, all private insurance plans (ones you purchase yourself or through an employer) must cover the essential health benefits, including behavioral health services and substance use disorder treatment.
As of 2014, services from at least 10 categories of essential benefits are covered by insurance policies that are sold on the Health Insurance Marketplace, non-marketplace plans, small group plans and government-funded plans like Medicaid and Medicare.
However, state and federal laws affect your insurance policy’s coverage for addiction treatment. Call your insurance provider to verify how the ACA affects your policy, what kind of rehab your policy covers and how long of a program length your insurance will cover.
State and Local Government Programs
State and local governments throughout the country are dedicated to ensuring that residents can access affordable addiction treatment. According to data from the Pew Charitable Trust, almost 70 percent of the funds spent on addiction treatment in America came from public sources like state and local programs in 2009. Statewide substance abuse agencies and behavioral health departments help manage federal funds that are designated for substance abuse treatment in each state.
State-funded addiction treatment programs use government grants to help people who have no health insurance (or insufficient coverages) recover from addiction. To find the contact information of the person in charge of your state’s government-assisted programs, use the Directory of Single State Agencies, a resource from the Substance Abuse and Mental Health Services Administration (SAMHSA).
Federal funding for state-run rehab programs may come from SAMHSA. Grants from SAMHSA are mandated by Congress to fund state drug and alcohol rehab programs.
To help people access treatment, SAMHSA awards grant funds to domestic public and private non-profit entities, including state-run facilities and not-for-profit rehab centers. One example of a SAMHSA grant is the Substance Abuse Prevention and Treatment Block Grant, which makes federal funds available to help specific populations access treatment, such as pregnant women or women with dependent children.
Financing and Privately Paying for Rehab
Private payments are accepted at The Recovery Village Palm Beach at Baptist Health. Cost-effective treatment plans are available for self-pay clients.
Although rehab pays for itself in the long-term, the upfront costs can be daunting for some. An ideal situation is to pay the full cost of rehab in advance or throughout your treatment, but this may not be feasible for everyone.
One option for private financing is a personal loan from a bank. Taking out a loan is also a significant personal decision. To best decide if this option is right for you, be sure you fully understand the terms of any loan you’re offered, like the APR, monthly payment and total amount repayable.
Depending on your relationships with family or friends, you may also consider a personal loan from a loved one. Again, be sure to discuss interest rates, if any, with your friend or family member to ensure that you can repay their generosity over time.
The Recovery Village Palm Beach at Baptist Health will work with you to determine payments and more, depending on the level of care you need. Because treatment requires emotional and mental dedication, you shouldn’t have to worry about finances while you recover.
Fundraising or Crowdfunding
To help you cover the costs of rehab, you can crowdsource funds by asking for cash donations or creating a free online fundraising page. Crowdfunding allows your friends and family to donate what they can, and they may even share your fundraiser page with others to help you reach a wider audience.
Additionally, you can raise funds for treatment by:
- Hosting a garage sale
- Selling items you or your family no longer wants or needs like jewelry, antiques, sports equipment, electronics or collectibles
Ultimately, to determine the best way for you to pay for rehab, you can:
- Confer with your primary care physician about whether going to rehab is right for you
- Call your health insurance company to ask what treatments your policy covers
- Talk with friends or family members who have been to treatment
- Call The Recovery Village Palm Beach at Baptist Health to speak with a representative who can evaluate your policy coverages for free
Need help figuring out how to pay for rehab? Call us today. Our representatives are available to speak with you at any time. We can help you evaluate your policy coverage to see whether your insurance covers rehab, discuss private pay rates or connect you with other rehab resources that may suit your needs.
Healthcare.gov. “Essential Health Benefits.” (n.d.) Accessed April 23, 2019.
ObamaCare Facts. “ObamaCare Essential Health Benefits.” Last updated on October 2, 2018. Accessed April 23, 2019.
MentalHealth.gov. “Health Insurance and Mental Health Services.” Last updated on March 22, 2019. Accessed on April 23, 2019.
MedicareInteractive.org. “Treatment for alcoholism and substance use disorder.” (n.d.) Accessed April 23, 2019.
The Substance Abuse and Mental Health Services Administration. “Directory of Single State Agencies (SSA) for Substance Abuse Services.” (n.d.) Accessed April 23, 2019.
Abraham, Amanda, et al. “The Affordable Care Act Transformation of Substance Use Disorder Treatment.” U.S. National Library of Medicine, 2017. Accessed April 23, 2019.
The Substance Abuse and Mental Health Services Administration. “Substance Abuse Prevention and Treatment Block Grant.” Last updated in September 2017. Accessed April 2019.
The Substance Abuse and Mental Health Services Administration. “Grants.” (n.d.) Accessed in April 2019.
The Pew Charitable Trust. “Substance Use Disorders and the Role of the States.” March 2015. Accessed on April 23, 2019.