Alcohol Rehab: Cost, Finance Options & More
All insurance companies are required to cover certain rehabilitative services for those recovering from alcohol addiction. There are also non-insurance options available to cover the cost of addiction treatment.
Even if you max out your coverage for an inpatient program, you can transition into an outpatient program, and you may receive additional coverage.
If you or a loved one need to get help for substance abuse, it can be disheartening to have a conversation about financial constraints. Fortunately, there are resources available to help you minimize out-of-pocket treatment costs.
Are you or someone you love struggling with alcohol addiction? Zinnia Health can give you the information you need about treatment costs and coverage. Make a no-obligation call to our helpline 24/7 at (855) 430-9439 for answers to your questions.
How Much Does Rehab Cost?
There is no right or wrong way when it comes to treatment options. What matters is finding the treatment program that fits your lifestyle.
Many people find success by enrolling in an inpatient program for the first and toughest portion of addiction recovery and then transitioning into an outpatient program. This can also help you save on costs.
Ultimately, the cost of alcohol rehab depends on a number of factors, including:
- The intensity of the program you choose
- The length of the program
- Your city and state
- Your insurance coverage
- Your income level
It’s also important to note that residential facilities can range from nonprofit — which may offer treatment at a very low cost or even for free — to luxury rehab centers, which are at the highest end of the price scale.
Will Insurance Cover Alcohol Rehab?
If you have insurance, the first thing you should do is reach out to your insurance provider and ask them about your plan limits and coverage options.
- All insurance companies are required to cover mental health care, the only question is how much of the cost they will take care of for you.
- How much your insurer will pay will depend on elements like your annual deductible, your coinsurance maximum, and any limits on the number of days you can stay in an inpatient facility
- You may be required to go to an in-network facility in order to receive insurance coverage.
In the event that you’d like private insurance to cover some or all of your rehab costs, you should reach out to them and ask for a list of providers who are “in-network.” You can also call an inpatient treatment center directly and they can tell you if your insurance is accepted.
Financing Options for Alcohol Treatment Programs
If you don’t have insurance or if your insurance will not cover the total cost of your treatment, there are alternatives to help you pay for the cost of rehab.
Medicare and Medicaid
Whether you don’t have insurance or have private insurance with very poor coverage, it is worth looking to see if you qualify for Medicare or Medicaid as it can save you money on premiums and get you better coverage.
- Medicare is a federal program that covers the cost of certain mental health services, including those associated with alcohol recovery.
- Meanwhile, Medicaid is a state and federal program that also offers very low-cost health insurance coverage.
If you qualify for both, you might have zero out-of-pocket costs.
The Substance Abuse and Mental Health Services Administration has a grant program. They actually give money to some addiction centers and the centers can then use that money to cover the cost of addiction treatment for certain individuals.
These grant programs are often targeted at very high-risk groups, such as pregnant women, but it’s always worth looking into.
Nonprofit Sober-Living Homes
While most rehab facilities are for-profit, there are nonprofit sober-living homes that can provide a free or very low-cost place for you to reside while receiving outpatient treatment services.
The combination of outpatient services and a low-cost home could be enough to help you afford the treatment you want.
If you need help finding sober living homes in your area, you can contact local rehab facilities, and they should be able to provide you with a list of resources.
Depending on the type of treatment you pursue, the facility you go to may offer a payment plan that they finance themselves.
For instance, many residential rehab programs will offer payment options directly, which means you can discuss treatment costs directly with the facility and they will allow you to cover that cost with fixed monthly payments.
Understanding the Levels of Care
When you are seeking treatment, you have a few options available to you. Your choice will impact not only the cost of your treatment but your living conditions and the amount of support available to you.
1. Inpatient Hospitalization
Inpatient hospitalization is the most intensive form of treatment, but it’s often short-term. You may stay at a hospital for 2–4 weeks during the initial detox period when your body is transitioning off of drugs and alcohol.
Since alcohol abuse can cause many complications, this intense level of care and support is often recommended, especially if you have certain risk factors (like a heart condition).
2. Residential Treatment
Residential treatment is another type of inpatient care and it provides you with 24/7 support at a fully staffed treatment facility, but the cost tends to be lower since it is not a hospital. As such, your treatment providers will not all be medical staff.
Many people transition to a residential facility after inpatient hospitalization and the length of stay depends on your program.
3. Intensive Outpatient Treatment
Intensive outpatient treatment, also known as partial hospitalization, is a program where you attend appointments and support groups for many hours a day.
The cost is significantly less since you are staying at home, providing your own meals, and transporting yourself between services.
4. Outpatient Treatment
Outpatient treatment is the least intensive of all of the options. How often you need to visit your doctor or counselors depends entirely on you and your needs.
Most often, you’ll attend appointments a few times a week to start and begin seeing your providers less and less as you move along in your recovery.
You may continue receiving mental health services for months or years, but you’ll be able to attend on your own accord.
Get Help With Alcohol Rehab at Zinnia Health
Figuring out what your insurance covers can be confusing and, if you don’t have insurance at all, the process of learning about the cost of drug treatment can be disheartening.
At Zinnia Health, we don’t believe cost should ever stand in the way of treatment.
If you’re ready to take the next step toward alcohol recovery, Zinnia Health can help. Our recovery specialists are standing by to answer your questions and help you get on the path to a life free from addiction. Call our free alcohol addiction hotline any time, day or night, at (855) 430-9439 to get the information you need.