All too often, getting a loved one into treatment is a major ordeal that requires an intervention and other persuasive strategies. But, what happens when a person is ready to go to a Phoenix addiction treatment center and they don’t have the money?
Quality addiction treatment may not be cheap, but there are ways to make it more affordable. For example, if you get your insurance from the Affordable Care Act (ACA), some drug and alcohol treatment is included. It’s the law.
Programs to Help You Afford Substance Abuse Treatment
There are a variety of programs to help you pay for addiction treatment services. Let’s learn more about each one.
- State and locally funded programs. Some substance abuse treatment centers are funded by state governments, local municipalities or the federal government. Many have specific requirements that clients must meet based on income, insurance and other factors.
- Substance Abuse and Mental Health Services Association grants. SAMHSA grants are mandated by Congress and provide substance abuse treatment to certain populations such as pregnant women and postpartum women.
- Medicare. Medicare Part A and Part B provide coverage for inpatient and outpatient drug rehab programs that include detox, counseling and post-rehab support.
- Medicaid. Medicaid provides insurance to low-income individuals. Both substance abuse treatment and post-recovery services are covered.
- U.S. Department of Veterans Affairs. The Veterans Administration provides substance abuse treatment for eligible veterans.
- The Affordable Cre Act. Under the ACA, drug and alcohol disorders are covered. All policies sold through the ACA are required to include rehabilitation services.
Paying for Rehab in Phoenix with the Affordable Care Act
One of the most popular ways to pay for addiction treatment services is with the ACA. Under the ACA, addiction is not considered a pre-existing condition. This means that people who get their insurance from the ACA have coverage for drug treatment in Phoenix. Some services that are covered include:
- Addiction assessment
- Medical detox
- Addiction treatment medication
- Anti-craving medication
- Clinic visits
- Home health visits
- Family counseling
The percentage of treatment covered depends on the type of plan you have. There are five options available in the marketplace:
- Bronze plans, 60 percent expense coverage
- Silver plans, 70 percent expense coverage
- Gold plans, 80 percent expense coverage
- Platinum plans, 90 percent expense coverage
- Catastrophic, 60 percent total average cost coverage
What if You Have Insurance of Your Own?
If you have private insurance through a company like Blue Cross Blue Shield or Aetna, you probably have some coverage for alcohol rehab in Phoenix. Call your insurance company to learn your coverage options and which treatment centers in your area are covered. Once you are informed, you can call the facilities of your choice to make sure they accept your insurance.
Everyone has different financial circumstances. However, treatment can be made affordable for most people thanks to insurance, grants and funded programs. To learn more about the costs of Continuum Recovery Center and the insurance we accept, call us today.