If you find yourself in need of help for a drug or alcohol addiction, you probably have discovered that just recognizing the fact that you need treatment is exhausting enough. However, for many who want to confront their addictions and move toward wellness, having to pay for rehabilitation can seem like an insurmountable challenge.
Thankfully, many rehab centers for drug abuse and alcoholism accept a variety of payment options for treatment. In particular, since the Affordable Care Act was signed into existence, addiction is treated like any other medical concern. This means that most insurance companies will cover part of the cost of treatment, and some companies will even cover the entire cost of treatment. Regardless of your situation, there are payment methods to help you cover your treatment cost.
How Do You Determine Whether You Will Be Able to Afford a Rehab Center?
If you have already begun to research rehab centers, you may have found one or more that you think may suit your needs. But for many people, cost remains a major obstacle to treatment. Cost may also present you with significant anxiety–realizing you have a problem takes courage, and then trying to pay for it can cause extreme stress.
However, if you need treatment for an addiction, the expense of treatment should not stop you from seeking the care you need. In Pennsylvania, some drug rehab centers accept insurance, and those that do not (or those who accept insurance plans that don’t include your plan) sometimes will work with you to set up payment plans. Alternatively, some may accept private medical credit plans. The bottom line is that there are many payment options available, and most people seeking treatment will be able to work out a treatment option that is both affordable and effective.
What Kind of Insurance is Accepted at Rehab Centers?
The state of Pennsylvania has many drug and alcohol rehab centers, and each one has its own policies regarding accepted insurances. However, many of these centers accept most major insurance policies.
It is important to note that you will need to check with your individual insurance policy to see what percentage, if any, of addiction treatment is covered. Even within a given insurance company, policies can vary dramatically in regards to how much they will cover.
What If My Insurance Won’t Cover The Cost of All of My Treatment?
While insurance is accepted by most rehab facilities in Pennsylvania, many policies will not cover the complete cost of residential treatment. If you are ready to pursue treatment but have found that insurance won’t cover the entire cost of your treatment, there are other payment options that may be used in conjunction with insurance. In some cases, these options may be used as stand-alone payment options.
One of these options is that of medical credit lines. Some private companies offer credit lines that can be used specifically for healthcare. The interest rates may be lower than those of traditional credit cards, and they can offer a way to finance treatment if you need more time to pay your out-of-pocket costs after insurance has paid its portion. Some medical credit companies offer zero-interest introductory policies as well.
While medical credit cards may be an option for some, they may not cover all of your costs. This is where the individual treatment center’s policies come in. While not all treatment centers have this option, some may be willing to work with you to set up a payment plan on an individual basis. Many treatment centers and rehab centers in Pennsylvania are dedicated to helping those who want to overcome addictions to drugs and alcohol. If a given program is not equipped to help you set up a payment plan, staff members may be able to refer you to a Pennsylvania program that can help you pay over time.
How Do I Begin to Navigate Payment Options?
Rehab center staff members understand the challenges of addressing addictions and seeking help, and for that reason, many staff members are eager to help you and your loved ones figure out a way to fund your treatment program.
Of course, the best way to find this help is to ask for it. If you are hoping to seek treatment at a given rehab center but are coming up a little short on finances, don’t be afraid to ask for help. While not all treatment centers offer payment plans, staff members may well know of alternative options or payment methods that can help you get on the way to wellness without having to take out a second mortgage.
Of course, if you aren’t sure where to begin when it comes to payment options, you can always start by talking to a representative at a drug or alcohol rehab center. Whether you have private insurance, Medicaid, a private medical credit line, or some combination of the above, the chances are good that you will be able to find a way to use the resources you have to finance your recovery (or the recovery of a loved one). And since rehab center staff members have experience with helping clients and potential clients figure out how to pay for treatment, they may be able to help you find a way to pay for the treatment you need.
Financing medical treatments is often stressful, and confronting addictions is often just as taxing (and sometimes even more so) than figuring out the financial aspects of treatment. However, if you are considering a rehab facility in PA, you should bear in mind that the following resources may be available to you:
- Private medical insurance
- Medical credit lines
- Individual payment plans
Finding out the best way to finance life-saving treatment may not always be easy, but it is well worth the time. If you are ready to make the first steps toward a better life, give us a call today at at 888-380-0342