When someone is struggling with an addiction and/or mental health disorder and they are ready to get help, one thing that may be weighing on their mind is how they are going to start paying for treatment. This can feel like quite the burden and a big challenge to overcome.
However, there are numerous options that allow people to start paying for treatment—whether that be addiction rehab or mental health disorder treatment services.
Using Insurance When Paying for Treatment
Do you have an insurance plan? If so, it might be helpful to know that the majority of private health insurance plans do cover a portion of addiction rehab and mental health treatment. In fact, there are some private insurance plans that may cover the entire cost of treatment.
If you need to know whether your insurance plan will cover your treatment, reach out to our ARIA KY team today to find out. We can determine how many days will be covered, which services your insurance will pay for, and any other conditions that must be met in order to have your treatment covered.
When it comes to major health insurance companies, there are 4 main ones that generally cover mental health and addiction treatment services. These 4 insurance companies include:
- Cigna
- Aetna
- Blue Cross Blue Shield
- United Healthcare
These companies have spent millions of dollars helping people around the nation to get the treatment they need.
ObamaCare (The Affordable Health Care Act)
ObamaCare, or the Affordable Care Act, no longer penalizes people for pre-existing conditions. This means that someone with a prior addiction can apply for an insurance policy through ObamaCare. In fact, substance use disorders are listed among the 10 essential health benefits under the Affordable Care Act, meaning the policy must cover addiction treatment in the same way it covers other major medical conditions.
The amount of treatment coverage you receive will depend on the insurance plan you choose. However, generally, Affordable Care Act policies will cover around 60-90% of substance use disorder and mental health disorder treatment. To get a better idea of what specific insurance plans cover, take a look at this list:
- Bronze plans – 60% coverage
- Silver plans – 70% coverage
- Gold plans – 80% coverage
- Platinum plans – 90% coverage
The specific plans may or may not be available to you. You will need to provide your personal information to determine which insurance policies you qualify for. There are insurance agents who can assist you in finding the best and most affordable insurance options for your needs.
Medicaid and Medicare
There are state and federal-sponsored health insurance plans that typically cover addiction rehab costs as well. Medicaid and Medicare are the two most common options. Each insurance plan will determine how much coverage they provide and outline the eligibility requirements for each individual.
For example, with Medicaid, some eligibility requirements include:
- Being a parent or pregnant
- Under 19 years old
- Older than 65 years of age
- Specific income range
With Medicare, some eligibility requirements include:
- Older than 65 years of age
- Being disabled
If you have either Medicaid, Medicare, or both and are struggling with an addiction or mental health disorder, please reach out to our ARIA KY team for the treatment you need.
Private Payments or Financing
Unfortunately, the rehab costs may be more than you can afford. If you don’t have insurance or if your insurance plan doesn’t cover all the treatment costs, you may need to explore other options for paying for treatment.
Private payments or financing may be the route you choose to take. Many state and federal organizations offer private financing options to help those who are uninsured. Additionally, some rehab centers provide scholarships and payment plans that you may qualify for. You can reach out to our team today to find out if we have any options available that you meet the eligibility requirements for.
If you have a 401(k) or IRA plan, you may consider withdrawing some funds to help pay for treatment. A home equity loan is another option you might want to explore. Think of it as an investment in a better future for yourself and your family. Treatment is often essential to overcoming an addiction or mental health disorder. By getting the treatment you need, you can begin the healing process and work toward living a happier life in recovery.
Crowdfunding or Fundraising
You can explore various crowdfunding websites that allow you to set up a page where others can contribute money to help cover your treatment costs. The funds raised can be used for paying for treatment at an addiction or mental health rehab center.
You could also talk to your friends and loved ones about organizing a fundraiser. This could be another way to raise a significant amount of money that you can use toward your treatment costs.
Local and State Government Programs
As mentioned earlier, there are various organizations and programs that can help cover addiction and mental health treatment costs. Depending on where you live, you may have access to a local agency that covers these expenses. While it might be limited to a specific type of rehab, as long as you attend that program, you can receive the treatment you need without paying out-of-pocket.
Depending on the state you live in, there may be government programs that assist with covering rehab costs as well. Some of the things you may need to qualify for these programs include:
- Proof of citizenship
- Proof of residence in the specific state you are applying in
- History of addiction or mental health disorder
- Proof of the severity of your addiction
- Show that you can’t afford treatment any other way (proof income, lack of insurance, etc.)
Unfortunately, many of these programs have waitlists. However, if you can gather the necessary documents and get on the list, your opportunity to enter a rehab center will come soon enough. In the meantime, you can attend addiction recovery meetings, support groups, and other free meetings for those dealing with addictions or mental health disorders.
Get Help to Start Paying for Treatment Today
Now that you know there are numerous ways to start paying for treatment, you no longer have to worry as much about how to get the help you need. Contact us today here at ARIA KY to learn how you can begin paying for treatment through our facility.
