Paying for drug and alcohol rehab may seem daunting at first, but you shouldn’t let that keep you from getting the help you need. At Nova Recovery Center, we strive to make our addiction treatment as affordable as possible. On the same note, we also realize that every client’s circumstances are different. For this reason, we provide our clients with a wide range of payment options so that money doesn’t have to be a barrier to obtaining high-quality treatment.
If you would like to enroll yourself or a loved one in immediate inpatient or outpatient treatment at our drug rehab center, there are many ways to pay for treatment. If you are uninsured, you may be wondering how you will pay for rehab without insurance. In this blog, we’ll provide details how to cover the cost of drug and alcohol rehab, with and without insurance.
How to Pay for Drug Rehab With Insurance
If you have medical insurance through your employer, it most likely provides benefits for substance use disorders and mental health services. If you’re unsure, please review the coverage summary provided by your insurance company. This document will review your benefits in detail.1 If you still have questions about your coverage, please contact your insurance company for more information.
If you enrolled in a plan offered on the Health Insurance Marketplace, your plan is required to cover essential health benefits, which include mental health and substance use disorder services. This also includes behavioral health treatment such as counseling and psychotherapy.2
At Nova Recovery Center, we work with the following insurance providers in the United States:
- BlueCross BlueShield
- Scott and White
- First Health
- Medical Mutual
Although your insurance company may provide benefits for substance abuse disorder and mental health treatment, your out-of-pocket costs will vary depending on your coverage. It’s impossible to say exactly how much you will be required to pay out-of-pocket without first verifying your benefits.
To verify your insurance benefits with Nova Recovery Center, you will need to have the following information on hand when you call our admissions center:
- Company name of your insurance provider
- Your member ID number
- Your date of birth
- Your insurance company’s telephone number (this can be found on the back of your insurance card)
Once we gather this information from you, we can complete the insurance verification over the phone with you, or if you’d prefer, we can call you back. The entire process only takes a few minutes and is completely confidential. This means no one else will be alerted that you are verifying your benefits for substance abuse treatment.
How to Pay for Drug Rehab Without Insurance
If you do not have health insurance, there are still several additional options that may help you cover the cost of immediate drug rehab without insurance. Here are three different ways to pay for drug rehab without insurance
Employee Assistance Programs
Most employers offer an Employee Assistance Program (EAP) to their employees. This is a confidential program designed to help you manage personal and/or work-related problems issues such as financial problems, child care, family issues, grief, and drug and alcohol abuse.3
Employee Assisted Programs are most often provided at no cost to the employee and your EAP benefits may even extend to other members of your family that are covered by your medical insurance, such as a child or a spouse. To find out if you have access to an Employee Assistance Program, please review your company’s benefits manual and speak to your human resources manager.
If your employer does offer an EAP, please contact our admissions team today so we can help you further explore these benefit options.
Third-Party Healthcare Loans
Nova Recovery Center can also help you secure a third-party healthcare loan to help pay for drug rehab. It’s important to remember that your ability to obtain a private loan may vary based on your credit and financial circumstances, but if approved, a loan may help you cover the cost of drug rehab by allowing you to pay the total cost over a greater period of time with monthly financed installments.
Nova Recovery Center works with American HealthCare Lending and FreedomLoans to secure third-party healthcare loans for clients seeking a different payment option. Applications can be completed online.
If you have a Health Savings Account (HSA), your HSA funds may be eligible to use for certain aspects of drug rehab, such as lodging, meals, and transportation to 12-step meetings, if those things are a part of your addiction treatment program. This can be a helpful way to reduce your out-of-pocket expenses, especially if you have a high-deductible health insurance plan or you don’t have health insurance.
Although going into debt isn’t an attractive option, it can be an effective way to pay for drug rehab if you have no other choice. The key is to apply for credit cards with a low-interest rate or no interest rate. That way, if you have to carry a balance from month to month, you won’t be hit with interest fees that make it impossible to ever pay off.
Crowdfunding is an efficient way to raise funds for any cause, include drug rehab for yourself or a loved one. You can use several different websites to create a campaign and raise money from friends, family members, and even strangers who want to help you pay for your addiction treatment. Some popular online options for crowdfunding include websites like GoFundMe, Fundly, FundRazr, or GoGetFunding.
If you are able, you may also choose to pay for your drug and alcohol rehab program completely out of pocket. If your personal financial circumstances do not permit a single out-of-pocket payment, you may have a family member who is willing to help you pay for drug and alcohol rehab. If you’d like to obtain an estimate of the total cost of drug rehab without insurance or loans, one of our admissions specialists can review that information with you today.
Paying for immediate drug rehab without insurance is not impossible. As you can see, there are several different ways you can pay for addiction treatment, with and without insurance. At Nova Recovery Center, we strive to provide the highest-quality drug and alcohol rehab program at the lowest possible cost to increase the availability of treatment for those who need it most.
If you’re suffering from drug and alcohol addiction, don’t wait to get help simply because you’re unsure of your payment options. Call (855) 834-6682 to speak with a helpful admissions representative today. Our team has the expertise and knowledge necessary to work with your insurance company and provide helpful and accurate information about other payment options.