At a time like this in America, no one should be naive to the reality of addiction and the devastation it brings. The opioid epidemic impacts people in every city in every state; whether it is through prescription painkiller abuse or heroin and potent synthetic opioids like fentanyl on the illicit market. Meanwhile, methamphetamine use has also continued to grow steadily in the background. Other prescription narcotics have become more and more prevalent with misuse, and alcohol remains a legal drug both frequently abused and deadly. Something equally as important as acknowledging addiction is being aware of the options in addiction treatment.
One thing we have to continue to promote is that people seek help, regardless of who they are, where they’re from or what they think they can afford. Expenses can be an important factor for each individual when trying to find treatment; therefore it is important to remember there are always options available regardless of financial status. At the end of the day, everyone deserves a chance at making it through their adversity.
While the options may be different, they are still out there.
State Funding Rehab Facilities
For those who are extremely limited in their resources the most attainable option may be to pursue a state-funded program. State-funded rehab facilities are cost-free, which is the greatest advantage to seeking help through these programs.
Most states have some form of government-funded addiction treatment. Sadly, some people still see a stigma attached to public assistance programs and they allow it to keep them from getting help. However, for the individual who has little to no income, or with inadequate to no insurance coverage, these organizations provide detox, treatment and support services. State-funded rehabs are often included in other state services such as:
- Child social services
- Criminal justice and prison provisions
The funding for treatment may be included as part of these other initiatives.
Some states will offer a variety of therapy options with state-funded programs. Others might not have as many due to limited funding. Some state facilities will not necessarily have access to the same technologies and treatments as private treatment providers.
Private addiction treatment programs often have unique services depending on their approach and treatment model. However, some people still find that state-funded programs are effective in helping them get their start.
Medicaid for Addiction Treatment
One thing that can be a real help to those who are unable to afford a higher level of insurance coverage is access to state-funded health insurance programs.
Medicaid coverage for no insurance rehab is a useful option. Medicaid and Medicare may actually cover both detox and inpatient addiction treatment. Some may even cover outpatient care depending on each programs requirement for eligibility through the state. Through Medicaid or Medicare, an individual who has very limited resources may receive free or low-cost addiction treatment.
Under the Affordable Care Act (ACA) or what some call “Obamacare” insurance providers are required to cover all basic aspects of drug and alcohol dependency recovery. Medicaid covers:
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Screenings
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Interventions
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Maintenance and craving medications
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Family counseling
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Inpatient care
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Long-term residential treatment
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Detox
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Outpatient visits
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Other mental health services
In most states, Medicaid recipients don’t even have to worry about a copay for addiction treatment services.
Medicare for Addiction Treatment
Medicare is available for anyone:
- Over 65 years old
- With a disability
Medicare does have a monthly premium, but that amount is also based on the individual’s income. So if you make less money you pay less for your coverage.
Inpatient and outpatient treatment can be covered by Medicare. This coverage is provided in a four-part system:
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Medicare Part A
Insurance for hospital stays covers up to 60 days without copay with no deductible. But Medicare only covers up to 190 days for a lifetime.
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Medicare Part B
This can cover outpatient addiction care at up top 80% of the costs. This includes coverage for therapy, professional interventions, and drugs administered via clinics. This also covers co-occurring disorders like depression.
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Medicare Part C
This is Medicare-approved private insurance for those who want to opt for more benefits. It does include more out-of-pocket costs and coverage can vary.
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Medicare Part D
Medicare Part D coverage will help cover the cost of addiction medications. Specifically, this form of Medicare helps with medications used to combat cravings and withdrawal symptoms.
Combined Coverage
Someone who is eligible for Medicaid and Medicare can actually apply both forms of coverage to their addiction treatment. If you believe that you qualify for these insurance opportunities you can contact a caseworker for assistance with an application.
Once you have obtained coverage for any of these programs, you can research online to find facilities that accept these forms of insurance.
Keep in mind, not all facilities accept Medicaid or Medicare.
Individual Health Insurance
When examining the options for addiction treatment people who have health insurance, whether privately or through their employment, should research the coverage available through their insurance provider.
The Mental Health Parity and Addiction Equality Act of 2008 mandates that health insurance companies to balance the alcohol and drug treatment for group plans to the stipulation for standard medical rehab.
Because substance abuse and addiction are recognized as medical conditions, insurance companies have a responsibility for covering the cost of addiction treatment. Substance use disorders are better understood today for their effects both psychiatrically and physically, so major insurance providers make a point these days to offer terms for partial or complete coverage of options for addiction treatment. Many times this coverage will allow for access to quality holistic treatment programs.
Too many people don’t know the extent of which their own insurance covers them. Find out what services are covered by your policy when seeking out care for substance abuse. As far as employers go, your right to addiction treatment is protected by FMLA, while the details of these protections and provisions may differ depending on the state or the individual companies policies.
Private Pay Options in Addiction Treatment
Of course, health insurance is not required to obtain addiction treatment services. Not everyone has insurance, or their insurance might not provide the coverage they need. There are also facilities that cater to a private pay demographic.
All across the country, there are addiction treatment facilities that offer different levels of high-quality and luxury treatment options for those who would prefer to pay cash for services. Many patients who chose to private pay do so for a variety of reasons, and they often find that they require a combination of treatment methods, including:
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Detoxification
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Inpatient treatment
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Outpatient therapy
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Group counseling
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Intensive one-on-one counseling
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Family Program
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Private recovery coaching
Of course, different programs have their unique advantages and disadvantages. However, those who chose to private pay for addiction treatment often do so because they are looking for a very specific approach with a very specific criterion that caters to their own needs.
Executive Treatment Programs
Executive treatment programs are another one of the options in addiction treatment. These facilities cater to clients that wish to pay more for a more private environment with more luxuries. Executive programs are more expensive and are more commonly utilized by CEOs, high-paid professionals, and celebrities.
Many programs that offer executive options for addiction treatment allow for those receiving care to continue working with their businesses or clients while attending individual therapy, support groups, and holistic treatments.
Help is Out There
Addiction is everywhere. Sadly, there are not as many resources as many recovery advocates believe there should be. It is easy to feel overwhelmed when trying to find help with addiction and recovery.
But help is out there.
There are accredited holistic treatment programs that maintain their integrity by providing quality care to their clients. These facilities provide high-level services in a safe and comfortable environment while staying at the edge of innovations in treatment. While not all of these companies advertise their contributions, many even provide scholarship opportunities for those who cannot afford treatment to have access to their programs.
Meanwhile, we should all look to our politicians and public health officials to create even more options for addiction treatment. Until more support and funding is available for expansion of options for addiction treatment, the resources we have now do everything they can to make a difference.
