Understanding and Managing the Costs of Rehab
You have chosen to confront your addiction and pursue professional treatment for your illness – congratulations. You’ve overcome the most challenging part of your recovery in accepting that you need help. However, we know that the second most challenging part of the journey is paying for your treatment. Everyone who goes into rehab needs to know the costs involved upfront, so they know what they’re dealing with and can put a financial plan into action.
We’ve compiled this guide below to help you understand further about paying for rehabilitation and the help you can get to do so.
Free Insurance Verification
One of the most complex issues to understand in this area is whether or not your insurance will cover any part of your costs. At SOBA College Recovery we provide a free insurance verification to all prospective patients so they can understand what expenses they will be liable for. To take advantage of this service, all patients need to do is fill in the form on our website.
All insurance providers are different – but in most cases, the most important thing to understand is the differences between the residential and clinical costs of your stay.
Residential costs will be the costs incurred by staying in an inpatient rehab center such as SOBA. This includes your accommodation, food, activities and other costs associated with your physical stay in the facility.
Clinical costs are your medical bills. This includes medicine, therapy, detox, doctors’ visits, evaluations, tests, etcetera.
Most insurance providers, including coverage from your employer, Medicaid or Medicare, will cover clinical costs; but some may not foot the bill for residential bills. We will be able to determine this for you through our insurance verification process.
What If My Insurance Does Not Cover Addiction Treatment, or I Am Unemployed or Uninsured?
Don’t panic – there are services out there that can help.
There are ways to obtain affordable insurance in this instance with smaller insurance providers. Options to investigate here include:
• Short-term or temporary insurance
• Public insurance
• Supplemental fixed benefit insurance
These ‘smaller companies’ tend to be local or state insurance providers rather than the big well-known healthcare corporations. Many are independent and run on a non-profit basis, designed simply to provide necessary healthcare to those in need.
If you find yourself in a situation where you are uninsured, or your treatment is not covered for any reason, it is well worth seeking out local non-profit organizations who will be willing to help you with at least part of your costs.
However, do not confuse ‘non-profit’ for ‘free’ – this is not necessarily the case. Always be sure to find out about monthly premiums, additional costs and copayments involved with these plans.
When Choosing a Rehab Facility…
A person can feel resigned to choosing a small rehab facility, or a short stay, because they feel they cannot afford anything more. Before you choose to stay in a place that you think could be inadequate for your needs due to financial pressure, explore every avenue for supplemental financial help. You could secure loans, subsidies or funding that could help you stay somewhere, and for a length of time, that you feel could truly help you.
Choosing to be admitted to rehab is an incredibly difficult decision under all circumstances – and once you decide to go, you should decide to hopefully make it your only stay. For this reason, you should try your best to go after the best care for you. Remember that costs can always be dealt with when you feel like yourself again.
Our team is committed to working alongside you and your insurance provider to determine your eligibility and cost estimates. Fill in our free insurance verification online form today to take the first steps in your SOBA journey.