A survey made by Maryland researchers has shown that financial concern is an obstacle for most alcoholics who wish to go to rehab. Some of them stated that they can’t afford treatment, while some refuse to do so because it’s not covered by insurance. If you are one of the people who are thinking twice about going to rehab due to financial costs, then let this helpful article help you out with your concerns.
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The Cost of Alcohol Rehab
Rehab, while costly, is effective, according to the National Institute for Drug Abuse. Apart from curbing alcohol addiction, treatments can help improve the psychological, social, and occupational functioning of a former addict. Rehab can help lower one’s potential of committing crimes as well.
With that being said, the price you have to pay will depend on the treatment that your specialist has recommended for you. For example, if you qualify for an outpatient detox program, the price range can range anywhere from $1,000 to $1,500. In this form of rehab treatment, you have the freedom to live in your own home, however, you need to visit the facility for medication and monitoring.
Outpatient rehab, which is recommended for mild to moderate alcoholism, costs a minimum of $5,000 for a month-long program. The price might go higher depending on the length of the treatment as well as the number of times that you need to visit the facility. With that being said, some outpatient rehab centers can cost as much as $10,000 per month.
Inpatient rehab, meanwhile, involves the patient staying in the center for surveillance and treatment. This is usually prescribed for alcoholics with severe issues. Because of the intensiveness of this program, inpatient rehab usually comes with an expensive price tag. The cheaper end of the spectrum starts at $6,000 for a 30-day program. More well-known centers, on the other hand, can charge as much as $20,000 for the same length of treatment.
Rehab duration can span beyond 60 days, and in some cases, 90 days. As such, prices for these longer treatments are expectedly more expensive. Some may start at $12,000, while there are some that cost as much as $60,000.
Is Alcohol Rehab Treatment Covered by Insurance?
In most cases, yes. The following insurers usually cover alcoholism treatment:
- Private Insurance
- Military Insurance
- State-financed health insurance
Before you sign up for a program, you need to call your insurance company to check how much they’re going to cover – and how much is going to be your co-pay. Some companies only have a limited number of programs for alcohol addiction so you have to confirm if your program is covered.
You need not note that if you relapse after a round of insurance-covered rehab, you will no longer be able to avail of the same benefits anymore. That’s because the insurance company would consider your alcoholism as a ‘pre-existing condition.’ So, if you need to check in again, you have to pay for the consecutive round/s of rehab.
How Much is Alcohol Rehab Without Insurance?
Without insurance, you need to pay the full prices stated above. Yes, they are expensive, however, you can think of it as an investment.
If the aforementioned rehab costs prove to be too steep for you, a good option is to enroll in a rehab center that offers financing options. Some institutions offer installments directly, while some do so in coordination with a third-party company.
Another option is to enroll in facilities that offer sliding scale payment. The amount that will be asked of you depends on your income and capacity to pay. This is particularly good if you want to get treatment right away – but only have a limited amount of money to pay for so.
Low-Cost Rehab Options
If you can’t afford the above-mentioned financing options, you don’t have to lose hope. There are low-cost rehab programs that are sponsored by the state, non-profit groups, even religions. They usually offer detox, rehab treatment, and support services for those with little to no income, or those without adequate insurance coverage.
Should you wish to apply for a state-sponsored rehab program, what you need to do is to submit the following requirements:
- Proof of residence
- Income status
- Information on alcoholism history
The only downside to this is the high amount of applicants for state-sponsored rehab. As such, you have to wait for quite sometime before you can start with a program. This is unless you’re a priority – pregnant women or veterans are usually put on top of the list. If you’re not part of these groups, the waiting game can be quite lengthy. This can be concerning given that time is of the essence when it comes to alcoholism treatment.
As for faith-based rehab, the program involves traditions according to the host sect. A good example is the Salvation Army Adult Rehab Center, where alcoholics and drug addicts are taken care of. Such centers can be quite selective, as congregation members are usually prioritized.
Since faith-based programs run on donations, most of the services are free. If you earn more than the threshold, you may be asked to pay an amount that befits your income bracket.
Another way to save on treatment is to scout for scholarships. Some treatment centers offer scholarships, just like what you would expect from a school, as part of the funding from generous donors. All you need to do is inquire at facilities about the requirements for their scholarship programs. Who knows? You might qualify for one!
Rehab may be expensive, however, it’s highly effective. If the cost of treatment is stopping you from doing so, you need not worry as there are ways to pay for your rehab. If you don’t have insurance, you can opt for installments or a sliding payment scale. If these are still too expensive for you, you can apply for state-sponsored rehab, faith-based programs, even scholarships.
Remember, the cost of rehab should not be a barrier to treatment. After all, it is a lifelong investment that can help you become a better, more productive member of society.
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