For many veterans who struggle with substance abuse, they know that they need professional help. But knowing you need help does not always mean knowing how to pay for rehab. That’s completely understandable, but at Heroes’ Mile, we want to make sure that rehab cost is not a hurdle in you getting the help that you need.
Let’s take a look at how you can afford rehab. Rehab costs can look scary, but with some know-how and patience, you may find ways to pay that you hadn’t considered before.
Paying for Rehab with Insurance
If you have private health insurance, it’s likely that your provider will cover, at least, certain types of treatment. For example, most insurances cover drug and alcohol detox and inpatient rehab, at least for some length of time. Many insurances also offer some level of coverage for outpatient treatment programs, which can be important in helping you transition from an addiction treatment center to daily living.
But how do you find a drug and alcohol addiction center that takes your insurance? To learn about your insurance provider’s policy for rehab programs, you can call them or visit their website to look at an overview of your benefits. This way, you’ll be able to ask specific questions about what programs are covered, how many days of coverage you can expect, etc.
Additionally, many people seek treatment at rehab centers in the winter months because they want to get help before their deductible resets with the new year. This can be an important factor to consider when you’re seeking treatment for a substance use disorder and/or invisible wounds of war.
Of course, sometimes waiting for addiction treatment is simply not an option. If that’s the case for you and your insurance will not provide immediate coverage, consider some of the other options on this list.
Finding Insurance Coverage
Because of the Affordable Care Act (ACA), individuals applying for insurance can no longer be punished for pre-existing conditions, including substance use disorders and mental health conditions. Additionally, “drug and alcohol disorders” are one of the ten essential health benefits under ACA, meaning that insurance policies must treat these issues with the same importance they would give to serious physical ailments.
When you choose a plan on the ACA marketplace, you know that they will cover at least some rehab costs. That said, the actual percentage can vary depending on which type of plan you get. The breakdown is as follows:
- Bronze plans: Cover 60 percent of rehab costs
- Silver plans: Cover 70 percent of rehab costs
- Gold plans: Cover 80 percent of rehab costs
- Platinum plans: Cover 90 percent of rehab costs
For these reasons, seeking care through the ACA marketplace is a great option for those who are uninsured or underinsured. Of course, sometimes neither of these options are available. In cases like these, there are private funding options that may be available.
Private Funding for Rehab Costs
Sometimes, the burden of covering rehab costs falls on the individuals. And while this can be a difficult place to be, in certain cases, there may still be avenues that will cover the costs of treatment. For example, some people are able to withdraw from their savings accounts or 401(k) accounts to cover the cost of rehab. Alternatively, if your home has equity, you may be able to use a home equity loan to cover some of the rehab costs.
If none of these options are available to you, asking friends or family members for money can be an option for some people. Asking for money is an uncomfortable position, but if you have people in your life who can help, then asking for their assistance could be the right move. In many cases, however, people are not willing to lend or gift money to individuals with substance abuse issues. If this is your experience, then you could ask people to give the money directly to your chosen treatment facility, that way they know exactly where the money is going.
Finally, online crowdfunding has become a way for people to offset rehab costs. This path does not always work, but it has helped people afford the costs of addiction treatment before.
Finding Your Way to Addiction Treatment
However you do it, enrolling in a drug and alcohol addiction treatment center is an important step. Veterans are at unique risk for substance abuse, so finding a rehab that can treat issues like post-traumatic stress and other wounds of war is imperative.
Do you have questions about how we help veterans with substance use disorders? Call our admissions specialists at 888-838-6692 or ask your questions online. Rehab costs can be high, in some cases, but use these solutions to find a path that works for you.