Drug addiction is a serious issue in the United States. According to the National Institutes of Health, 10% of Americans have suffered from a drug use disorder at some point in their lives and 75% of them never receive professional treatment.[1]
Addiction is a chronic and progressive disease that can negatively impact every area of your life. The only way to successfully recover from addiction is to attend drug and alcohol rehab. Unfortunately, many people avoid seeking the help they need because they are worried that they cannot afford treatment.
While it is true that addiction treatment is expensive, there are many ways that you can make rehab more affordable. From using health insurance to finding state-funded programs, there are a variety of ways that you can pay for drug and alcohol rehab in California.
What Are Your Options When Paying For Addiction Treatment in California?
Deciding to go to rehab is never easy, especially when you factor in the cost of treatment. Some programs can cost upwards of $10,000 depending on the services and amenities the facility offers. Thankfully, there are programs put in place that provide you with options when it comes to paying for treatment.
According to the Substance Abuse and Mental Health Services Administration (SAMHSA), a large number of people paid for rehab using private health insurance or sliding scale fees that only charge them what they can afford based on their income.[2]
If you are wondering how to pay for drug and alcohol rehab in California, your options include:
Health Insurance
Thanks to a law known as the Affordable Care Act (ACA), addiction treatment is considered an essential healthcare benefit.[3] This means that health insurance companies must provide coverage for their clients who need treatment for substance abuse and addiction. To find out whether your health insurance covers a specific rehab program, you can either contact the facility directly or give your insurance provider a call to verify your benefits.
However, it is important to note that you may be responsible for some fees when you pay for rehab with health insurance. The most common out-of-pocket fees you may be required to pay include copays, deductibles, and fees for specific services that your insurance may not cover.
Almost every form of health insurance covers some type of addiction treatment. This includes Medicare, Medicaid, private insurance plans like Cigna or Humana, and federal military insurance.
Financing and Private Funding
If you do not have health insurance or your insurance is not covering all of the cost, you can secure a loan to pay for rehab. You can either obtain a private loan from your family or go the traditional route and secure a loan from your bank or credit union. Another option is to use a credit card for a portion of the cost of rehab if that is available to you.
Additionally, many people choose to use a crowd-sourcing platform to fund their addiction treatment like GoFundMe. This is a good option if your family does not have the means to pay for your treatment, as everyone could pitch in a small amount. It is important to remember that asking for help is never a sign of weakness, but proof that you are dedicated to bettering your life.
Local and State-Funded Programs
Some substance abuse treatment centers receive funding from state and local grants, which provides them with the means to offer treatment at a reduced cost or for free to individuals who need financial assistance. However, the eligibility requirements for state-funded rehab vary by state, making it important that you research your local rehab facilities and the programs they offer.
Many different types of addiction treatment programs receive state funding, including:
- Inpatient rehab
- Partial hospitalization treatment
- Outpatient programs
- Sober living housing programs
Some of these programs will offer scholarships that provide you with free treatment if you cannot afford to pay. On the other hand, other facilities use sliding scale fees that only require you to pay what you can afford based on your income and personal situation. This ensures that everyone who needs drug and alcohol rehab can access it, no matter their financial situation.
Start Drug & Alcohol Rehab in California Today
The cost of rehab should never hold you back from getting the help you deserve. And, it’s likely that rehab will cost you far less than continuing your addiction will. There are plenty of options when it comes to paying for treatment in California. For example, you can use health insurance, personal loans, crowd-sourcing, or look into state-funded programs that provide free or low-cost treatment.
If you or a loved one require professional addiction treatment, contact Arise Treatment Center today. We can provide you with a free consultation to discuss your payment options.
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