Countless people throughout the United States fail to receive treatment for alcohol addiction due to its considerable cost. Sadly, the cost of alcohol rehab is commonly cited as a major barrier to addiction recovery. The good news is that it doesn’t have to be. If you currently lack health insurance and are concerned about how much you’ll have to pay for rehab out of your own pocket, there’s still a wealth of ways to get the monitoring, support, and other addiction treatment services you need. With the right strategies, you can attend a top-rated Mississippi rehab center and with minimal spending of your own. You can even experience the benefits of medically assisted detox and various forms of post-treatment support so that you have a stable foundation for healthy, sober living over the long-term.
The first and most important thing to know about health insurance and rehab is that all private pay health insurance companies are legally required to contribute to policyholders’ treatment costs for alcohol addiction. Under the Affordable Care Act, both alcohol use disorder (AUD) and substance use disorder (SUD) are classified as chronic mental health issues. Not only does the Affordable Care Act require health insurance companies to cover some or all of a person’s AUD treatment, but it also prohibits insurers from penalizing applicants for having AUD as a known, pre-existing condition. This means that even though you don’t currently have coverage, you can bind a suitable plan right now.
If getting health insurance simply isn’t an option, there are other tools and strategies at your disposal for paying for rehab. For instance, you can find and apply for scholarships that are offered by charitable organizations to cover your treatment costs. You can also fundraise with the goal of covering some or all of your addiction treatment. Many Mississippi rehab centers accept cash, credit card, and debit card payments, and a number of treatment centers throughout this state are also willing to accept feasible payment plans. You can actually use a variety of payment types to pay for your time in a rehab center. This remains true even after you’ve bound coverage. For many rehab patients, there are usually significant charges that aren’t covered by even the most comprehensive health insurance plans.
Strategies for Covering All of Your Treatment Costs in Mississippi Rehab
If you plan on binding health insurance with the express purpose of paying for addiction treatment, be sure to choose a plan that will cover a majority of your treatment costs. Top-tier and comprehensive health insurance plans usually have lower co-payments and lower prescription fees. They also provide a far greater range of covered services than most budget or economy plan types do. Although your premiums for a top-tier health insurance plan will be higher, you’re guaranteed to pay a lot less in the long-run.
If you want to attend an alcohol rehab in Mississippi and will be traveling from out of state to do so, you’ll want to have a PPO health insurance plan rather than HMO coverage. Preferred provider organization plans or PPO plans allow policyholders to choose from both in-network and out-of-network providers. HMO plans or health maintenance organization plans require policyholders to only receive care from providers that are in their own tightly defined networks. More often than not, networks for HMO plans are comprised of physicians, hospitals, and other medical facilities that are geographically local to the policyholder. As such, it is not likely that you’ll be able to use your HMO plan when traveling out of state.
Don’t overlook the people, professionals, and organizations in your inner circle when looking for ways to cover the costs of AUD treatment. If you’ve been employed by the same company for several years, take a minute to talk with your human resources department. Your employer may have programs in place that contribute to rehab costs. When your loved ones know that cost is a barrier to you getting the help you need, many of your friends and family members may be willing to make contributions of their own. Churches and other social groups might be able to assist as well.
Crowdsourcing is a popular way to pay for alcohol rehab when people don’t have health insurance or still have considerable out-of-pocket costs despite plan contributions. Once you’ve found the right alcohol rehab for your needs, onsite admissions counselors can tell you all about local scholarship opportunities, accepted payment methods, the availability of payment plans, and more. If you’re ready to start alcohol rehab in Mississippi and need help finding ways to cover the related costs, call us today. Our counselors are always standing by.