When you suffer from addiction, the most important thing is to get help. However, a large majority of people never do. One of the most common reasons is money. Thankfully, people just like you can go about paying for rehab in many different ways, because in most cases, health insurance covers rehab.
Paying for Rehab With Insurance
One of the most common ways to cover the cost of rehab is with insurance. Under current government guidelines, insurance companies have to provide coverage for rehab. They also have to provide the same level of coverage as they do for other medical procedures.
What does that mean for you? It means that your insurance company has to provide some kind of coverage for your addiction treatment. Keep in mind, however, that the coverage you get depends heavily on your policy. Most rehab centers accept all major insurance companies, but you can contact them for a complete list.
Talk to your insurance provider to see what kind of drug rehab coverage you have. Your drug rehab insurance provider can inform you about which treatment programs to enroll in. It can also tell you if you need to pay any money up front. Additionally, most addiction treatment facilities can let you know what your rehab insurance coverage will pay for.
You may also borrow money from friends and family. It’s important for you to ask for help when you need it. Your family members likely want to help you get treatment. If enough people pull together funds, you should be able to afford it.
Lastly, consider getting a personal loan. You can use personal loans to pay for whatever you want, including medical expenses. Depending on your credit, you could get a loan to cover the full cost of rehab. In some cases, you can get a partial loan and use money in your savings to cover the rest.
Choosing an Affordable Plan
You can also choose to enroll in an affordable addiction plan. For example, outpatient rehab is more affordable than residential rehab. While most rehab centers recommend enrolling in residential care first, you have to choose what you can afford. In fact, some insurance companies only cover the cost of outpatient treatment.
Don’t let paying for rehab stop you from getting the help that you need. Working with a rehab insurance provider can ensure that your health insurance covers rehab so you get the help you need quickly.