When an individual decides to receive treatment for a substance use disorder, there will likely be some cost involved. However, the amount will vary depending upon a variety of factors. These include whether or not the individual will have to take time away from work to go through treatment and what level of care the individual needs. For some people, taking time off work or paying for treatment will be impossible or lead to financial strain. For this reason, there are some resources available that can help financially support one’s journey to recovery. It is essential to know what these resources are to determine one’s best choice for treatment.
Will My Insurance Help Pay For Treatment?
Some insurance policies will cover portions, if not all, of treatment costs. The types of treatment insurance will cover and how much treatment they will cover will vary depending upon the provider. To determine what types of treatment their insurance covers, an individual would simply need to give their provider a call or visit their website. If an individual is over 65 years old and is receiving Medicare, both inpatient and outpatient treatment for either drugs or alcohol misuse will be covered. In some situations, Medicaid will also offer treatment for other individuals such as those that are disabled, pregnant, or make beneath a certain level of income.
What Is the Affordable Care Act (ACA)?
Health insurance was once considered a bit of a luxury. People with tight budgets and low-paying jobs may not have had the extra cash they needed to buy expensive health care plans, so they tried to save up enough money to allow them to get care for problems deemed life-threatening. Anything else went unaddressed. Often, that meant addictions went untreated. For people without health insurance, getting medical care for addiction was just too expensive to consider. However, this changed with The Affordable Care Act.
The Affordable Care Act, otherwise known as ACA, was established on March 10 of 2010, by former President Barack Obama to fulfill three primary purposes. The first purpose was to ensure that a more significant amount of United States citizens would have access to the healthcare they could afford. It was also to expand Medicaid by allowing more people with lower income to receive support. Finally, the Affordable Care Act was intended to change the way medical decisions are made.
The Affordable Care Act is beneficial to those struggling with substance use disorders because more health care companies can provide treatment options with it. It also expands Medicaid, allowing for an increased number of people to have access to treatment for drug or alcohol misuse.
If an individual wants to seek support through an ACA-sponsored plan, they would need to visit the Healthcare Marketplace to create an account and fill out an application. In recent years, the Affordable Care Act has provided affordable health care to many millions of individuals across the country.
What Are My Other Financial Support Options?
Another option for paying for treatment would be to utilize personal financing or obtain a personal loan from a bank. If this is not possible, a second option would be to obtain a loan from a family member or friend. Finances should never be why someone puts off getting the medical help that they need that may save their life. Some people may benefit from speaking with a financial advisor who can help them better understand what their options are and determine what financial support choices are right for them.
At Gallus Medical Detox Centers, we understand that everyone has a unique financial situation. We want to ensure that those who seek treatment through our facility are focused solely on recovery and not worried about how they will pay. We accept most insurance plans and will work directly with your specific provider to determine how much your coverage will pay for and what out-of-pocket charges may be left. We also partner with United Medical Credit to provide addiction treatment financing for those undergoing medical detox.
If you would like to find additional information regarding how much your insurance will cover treatment, you can speak with an admissions adviser at (866) 296-5242. To verify your insurance, you would need to provide your name, address, date of birth, member identification and group number, and the toll-free number for the insurance carrier. If you prefer, you can also submit a request virtually through our website to verify your insurance benefits.
Some people may put off seeking treatment for a substance use disorder because they are worried that they might not be able to pay for it. Finances should never be a reason that someone decides not to seek what could be life-saving assistance. For this reason, it is crucial for those struggling to check with their insurance carrier to learn more about their coverage. Another option is to seek an ACA-sponsored plan by filling out an application through the official United States government website.
At Gallus Medical Detox Centers, we accept most insurance plans and also offer financing options for detox. We want you to be focused solely upon your health and not your financial status throughout the detox process. We have helped thousands of patients take the brave first step towards recovery, and we would like to help you too. If you would like to learn more about our services and financing options, please reach out to us today.