Does Insurance Cover Addiction Rehab?

There are many factors involved when looking for the right help to overcome addiction. For some, finding the right drug rehab and therapeutic approach is a difficult endeavor, while others may be more concerned about the financial side of getting treatment for substance abuse.

While there are expenses involved, insurance can often help ease some of these burdens and make rehab more accessible for those ready to take the first transformative step toward a sober future.

The Cost of Addiction

The costs of different recovery programs vary between facilities, and while finding one that is within your budget is important, it is equally important to ensure that there are effective addiction treatments available for your unique situation. Not all recovery practices work for everyone, and addiction recovery demands personalized approaches and levels of care dependent on each person's unique needs.

While calculating the costs of rehab, remember that addiction comes at a cost itself. Not only does addiction impact your finances by siphoning off funds from other areas of one’s life, such as using your rent or grocery money to purchase drugs or alcohol, it also comes with less apparent costs.

Addiction can make it hard to manage your schedule or hold down consistent employment. It may even stifle personal projects or advancements that could impact your paychecks, such as obtaining additional certifications or licenses.

It is also possible that a rehab program may not provide the best options for you or be able to personalize your recovery plan to your unique needs. This can hinder your progress toward a sober future, especially if you are only concerning yourself with price rather than the pros and cons of a given treatment center.

With so many factors, it can be near impossible to determine the exact cost of addiction, but it is paramount to avoid putting a price tag on recovery and sobriety.

The Role of Insurance

While calculating the cost of recovery can be difficult, insurance can help ensure that you can attend an appropriate, customizable addiction treatment program. Because substance use disorder (SUD) and mental health disorders are classified as a disease, both are eligible for health insurance assistance. Some insurance carriers may even class drug addiction as a pre-existing condition.

Addiction has little to do with a lack of willpower and demands dedicated medical care to overcome. Because addiction is a disease, insurance can help cover the cost of remedying it.

However, each individual’s insurance may vary in how much it will cover, so it is important to contact your insurance provider for a better idea of how much help you can expect as you consider costs for treatment.

Ask About Employment Resources

Those getting insurance through their employer may also have on-the-job resources available to help with addiction recovery, either through connections to particular rehab programs or coworker support groups. Talking to your human resources department can help you understand the exact resources available, how they may help, and the costs (if any) of these resources.

This approach can not only help you get a better idea of the options available to you but also allows you to discuss your continued employment throughout recovery or an appropriate medical leave to tackle the toughest parts of your journey to sobriety.

Utilize Available Government Programs

There are government resources available to help cover addiction recovery expenses. The Patient Protection and Affordable Care Act (ACA), passed in 2010, changed addiction’s classification from being a pre-existing condition to a disease for insurance purposes, thus allowing for more aid when seeking treatment and rehab.

Medicare and Medicaid can also help cover these expenses based on your household income, helping to make recovery and sobriety more accessible for you throughout all phases of the recovery process, with everything from clinic visits to medication assistance.

Familiarize Yourself With the Americans With Disabilities Act

Addiction is also classified as a disability for those suffering from the disease and familiarizing yourself with the Americans With Disabilities Act (ADA) can help inform your decisions. Under these provisions, you can be protected in your employment while seeking treatment for addiction.

Visiting the official ADA webpage can inform you of the ways you are protected while seeking treatment.

Taking a Step Toward Sobriety

Addiction comes with many costs — some personal, some financial. However, it is never too late to seek recovery, and understanding the costs of avoiding treatment can make it clear that rehab is a necessary step. Working with your support systems to check with insurance providers and all available resources can help you find the treatment option that is right for you.

While there are costs to treatment, sobriety is priceless, and taking the first step toward sobriety may be the best financial decision you'll ever make. 

Utilizing your resources — from insurance options to other forms of financial and professional support to help cover costs — can make for the most comprehensive, transformative practices for your sober future.

Insurance Can Help You Get The Treatment Right For You

At The Edge Treatment Center, we are prepared to help personalize a program that can help you tackle your unique journey with addiction. We offer an array of programs, helping you from your first steps into detox through outpatient care, all while finding unique strategies pertinent to your sober goals.

The Edge can help you find insurance and other aid to help you take advantage of our adaptive therapeutic process that allows us to focus on what works best for your ongoing sobriety. For more information, call us today.

We’re Here To Help You Find Your Way

If you or a loved one is struggling with addiction, there is hope. Our team can guide you on your journey to recovery. Call us today.

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