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The status of addiction treatment coverage is an ongoing question. Constant legislative changes, changes to the industry itself, and different company policies and updates mean that there is no uniform answer to how or if health insurance coverage will cover the cost of treatment for addiction services. Even when an insurance policy does provide coverage for addiction treatment, which services are covered and in what amount will vary considerably as well.
Here is what you need to know to help you navigate the process of using insurance to help pay for the costs of treatment:
In order to cover the remainder of the cost of treatment, many families look first at their own resources. For some, it is an option to liquidate resources: savings earmarked for another purpose may be tapped, an expensive car may be traded in for a less expensive model, or some shifts in budget can help to cover the cost of what remains after the health insurance company has covered what they will. For others, extended family may offer to help out with a loan or a gift of part of the cost. Many will take advantage of financing offers that allow them to pay back a small loan over time as it suits their budget. Almost all will utilize a combination of these options in order to come up with a financial plan that works best for their families.
When you begin the process of seeking out a drug addiction treatment program, your primary focus should be on which services will best support your loved one in transitioning from active addiction to recovery safely and effectively. Though finances are important, it is important to choose a drug rehab program based on its ability to provide your loved one with treatment services that will be genuinely helpful, otherwise, no matter how inexpensive the bill, it could add up to a wasted investment.
Once you have identified the best program for your loved one, begin to address the issue of finances with your family and with the program you have chosen. Take the time to map out all your options and start putting rough numbers on the page to visualize what you have and what you need to turn your loved one’s treatment goals into a reality.
Families are encouraged to:
No matter how you ultimately cover the bill for addiction treatment, drug rehab is well worth the cost when it provides comprehensive and individualized care for your loved one.