One of the biggest barriers to getting help for an addiction disorder can be the price. The cost of rehab doesn’t have to be a deterrent for someone who needs treatment. There are many options for paying for rehab whether or not you have health insurance.
Paying For Rehab With Health Insurance
Most health insurance policies include some form of coverage for substance use or mental health disorders. Aetna and United Healthcare are two major carriers that cover millions of people who go to rehab. Your insurance carrier might cover your needs too.
If you have health insurance, let the admissions team know when you make your first contact. The staff members that assist you will ask you to provide specific information about your insurance policy. It may take up to 24 hours before they provide you with detailed information about your benefits, deductible amount, copays and rehab insurance verification.
You can also call your insurance provider directly. However, working with the rehab center can ensure that the right questions are asked, and they obtain the maximum coverage. Plus, it allows you to focus on getting the care that you need instead of dealing with technical questions and insurance information.
Alternative Ways Of Paying For Rehab
If you can’t afford to pay for rehab out of pocket but don’t have insurance coverage, you may want to look into lender financing. You can accomplish this in many ways.
You might qualify for a personal loan through your bank or credit union. If you have good credit, you might obtain lower interest rates by using a credit card to pay for rehab.
Some rehab centers, including Red Oaks Recovery, work with specific lenders to help you finance your stay and offset the expensive costs of treatment. Our facility allows you to apply for a loan online. The application is available 24/7. You’ll get an immediate decision once you apply, and your credit score won’t be affected.
Some people choose to crowdfund their treatment. There are many websites through which you can raise money for rehab. You can also ask rehab facilities whether they offer scholarships or grants. Some even charge based on a sliding scale.
Focus On Treatment, Not Paying For Rehab
When you’re seeking treatment for a mental health or substance use disorder, your focus should be on getting the most appropriate care for your needs so that you can succeed in recovery. You shouldn’t have to worry about submitting insurance claims or filing paperwork with lenders.
At Red Oaks Recovery, we want to optimize the affordability of our rehab programs so young people don’t have to worry about paying for rehab. Even after our clients join us, we continue to work with your lender or insurance company so that you can concentrate on healing.
In addition to an experienced and helpful addiction treatment admissions team, we offer a staff of professional clinicians, administrators, therapists and care providers that are committed to restoring your health. We provide a hybrid holistic treatment program that includes:
- Adventure therapy
- Clinical rehabilitation
- Nutritional therapy
- Gender-specific programs
- Family counseling
- 12-Step addiction recovery
There is no one-size-fits-all approach to rehab. We meet our clients where they are so that we can tailor a program to suit their needs. Call us at 866-457-7590 to find out how we can help you throughout your journey toward recovery even if you’re worried about paying for rehab.