Finding The Best Insurance For Drug Rehab
If you have made the decision to get yourself into drug rehab, you are doing the right thing. This is a difficult decision, but one that will help you better your quality of life. For many people, insurance is the best way to cover the costs of drug rehab. But, what is the best health insurance for drug rehab? And what if I don’t have insurance? Are there other options? This article covers everything you need to know about finding the best health insurance for drug rehab and how to get into a good program even if you don’t already have insurance.
Drug rehab includes different types of costs. There are many insurance plans to choose from; however, only some of them pay for all levels of care. That is why you need health insurance that will cover all of these costs accordingly or, as many as possible with little to no out of pocket expenses.
The three main sections that a health insurance needs to cover are the costs for the initial detox, the treatment that follows afterward, as well as all of the medications that will be used, mostly to make your withdrawal period a lot easier, but also to help you with any additional health issues that you may struggle with.
Private insurance is the best avenue the the majority of treatment centers accept, Bridges to Life Detox, included. Policies like Blue Cross Blue Shield, Cigna, Aetna, UMR, and United are common policies. You can obtain these private insurance policies through your work, your parents if you are under 26, and privately enroll out of pocket.
If you would like us to verify if your insurance covers drug rehab, you can fill out this handy for here. You can also live chat with or call one of our helpful addiction specialists 24/7.
Can Insurance Through Work Cover Drug Rehab?
This really depends on which health insurance options your company has provided you with. If it is a private company that secures private insurance, the chances are that your drug rehab will be covered. If you are offered a PPO policy from previously mentioned providers like Blue Cross Blue Shield, Cigna, Aetna, UMR, and United Health Care then chances are yes, this can be accepted at most drug rehab facilities. If you are unsure about your options, reach out to the head of HR at your company to verify.
Can My Parents’ Insurance Cover Drug Rehab?
Depending on which insurance plan does your family has chosen and paid for, some insurance companies do allow the parent’s insurance to be used to treat their child’s addiction. In the United States, you are allowed to be covered by your parents health insurance until the age of 26. It may be an uncomfortable question to ask them, but it can help save your life. If your parents are employed full time or have bought private insurance, ask them about the coverage and what benefits are extended to you.
How to Pay for Drug Rehab Without Insurance
If you do not have health insurance, nor can you use your parent’s insurance to pay for your drug rehab, do not feel hopeless. There are many options that you can explore in a case like this. In the following, we will list some of the smartest ways that you can use to pay for drug rehab and finally get your life back together.
- Ask for a loan from a relative– Think about any relative or friend that would be able to loan you some money to pay for your drug rehab. This may be a difficult conversation for you to have; however, the person that you are asking for a loan will probably be proud of you for wanting to make this big change in your life. You can be surprised at how many people are prepared to help you out in a situation such as this.
- Look into treatment specific loans – Organizations like My Treatment Lender offer loans specifically for drug and alcohol rehab. you can apply on their website and find out quickly if you are accepted for the loan.
- Call Samhsa – Samhsa is a government organization that has connections nationwide to find you help no matter what your financial state is. They are a wonderful resource and help thousands of people every day.
Ask the treatment facility for a special payment plan – There are many treatment facilities that offer special payment plans for those who are struggling to gather the needed amount of money to pay for their treatment. Their special payment plans often have a sliding scale fee or allow you to pay the cost of the treatment in smaller, monthly payments. If you have any questions about this, you can call us or live chat with us 24/7.