Addiction is a disease that requires treatment just like any other illness. Determining how to help a loved one — or yourself — is hard enough even before thinking about cost.
Unfortunately, accessing care for addiction, also known as substance use disorder, isn’t as straightforward as it should be. Many people assume they will have to use their life savings to pay for rehab, but that doesn’t have to be the case.
Here are some key points every person should know about paying for treatment:
Use your insurance
If you have employer-based insurance, you have addiction treatment coverage. Under the Affordable Care Act, also known as Obamacare, substance use disorder treatment is one of 10 benefits insurers must provide. Learn more about your benefits under your behavioral health plan by talking with your insurance provider or human resources department.
Look beyond your deductible
While you may know how much your deductible is, dive into the details of what it actually means. Look into the type and length of treatment covered and find out if your treatment needs to be deemed a “medical necessity” to be covered.
If you don’t understand something, call your member benefits representative and have them walk you through the fine print.
Know the difference between residential and outpatient treatment
Cost of care begins with an estimate of how long you will receive care. The length of treatment is determined by your individual needs and the progress you make along the way.
Residential treatment is similar to a hospital stay — most people stay in it for 30 to 90 days. For outpatient treatment, you will pay per visit as you would at a doctor’s office.
Check your maximum
Find out your out-of-pocket maximum for the year. This is the amount that must be spent before your benefits cover 100% of essential services. This information will give you a good idea of your…