How Much Does Inpatient Drug Rehab Cost and How Can I Afford It?
If you’re considering inpatient rehab treatment, you or someone you know has likely been battling a drug addiction problem for a long time. Long-time addiction problems can be difficult to overcome and require specialized treatment services in order for a person to have a chance at a successful recovery. Inpatient programs specialize in treating chronic and long-term addiction problems.
Not surprisingly, the specialized care inpatient programs provide comes with a hefty price tag; however, health insurance and payment assistance options make it possible for most anyone to afford this level of care if they really need it.
Inpatient Drug Rehab Services
People who most need inpatient care have likely developed one or more medical and/or psychological problems as a result of chronic drug abuse. The presence of co-existing disorders inevitably makes the addiction that much harder to treat.
According to the New York State Office of Alcoholism & Substance Abuse Services, inpatient rehab provides medical care, treatment for mental health problems and addiction treatment. These programs provide round-the-clock care and monitoring throughout the duration of the treatment process.
How Much Does Inpatient Rehab Cost?
Nowadays, medical care can get expensive, especially in cases where multiple services are provided. The same holds true for inpatient rehab costs as this level of treatment places a heavy emphasis on providing needed medical care.
Whether you opt for a 28-day, three month or six month program, inpatient rehab costs are going to run higher than other forms of addiction treatment. On average, a 28-day stay in inpatient rehab can run anywhere from $2,000 to $3,000 for standard level care, whereas luxury-type programs can run as high as $10,000 on up.
How Can I Afford It?
Health Insurance Coverage
According to HealthCare.gov, as of 2014, marketplace health insurance carriers are required to classify mental health and substance treatment as essential health benefits. This means, any standard health plan will cover these costs at the same rate as medical and preventative care.
If you have an individual- or employer-based plan, a good portion of your inpatient rehab costs should be covered under these plans. Even in cases where a person has no health insurance coverage, he or she may well qualify for Medicaid coverage.
Other Payment Options
Both state and federal governments provide funding to drug treatment programs as a way to help defray health care costs. As a result, many programs can offer payment assistance options for people who can’t afford to pay the full cost upfront.
A number of programs will also allow you to pay on a sliding-fee scale, which is based on your monthly or yearly income earnings. No-cost and low-cost treatment options may also be available through community-based treatment facilities, though these programs tend to have long waiting lists.
When all is said and done, inpatient rehab costs run considerably lower than the cost of “financing” an addiction problem, which can easily run as high as $30,000 year depending on your drug of choice. Also, the damaging effects of chronic drug abuse make for a poor quality of life that only gets worse with time.