Realizing you need treatment is a huge step in the healing process. Your next question may be, “How can I afford treatment?” Luckily, you don’t have to figure it out on your own. We’re here to help! Together, we’ll go over insurance coverage, the typical payment options, and more. Before we discuss how to pay for treatment, we first need to go over the factors that influence the cost of treatment. Let’s dive in!
First, it’s important to understand that every treatment center is different. Each facility will have its own partnerships with insurance, unique package options, payment plans, and financial assistance. There isn’t necessarily a set cost for treatment, as it can depend on:
To find out the exact cost of a treatment center, it’s best to contact the facility directly. They will ask you questions, like the ones above, to determine if they think you will be a good match for each other. If so, they will probably set up a meeting in person or virtually to further discuss financial details and payment.
Utilizing health insurance is one way to be able to afford treatment. If you aren’t sure which treatment centers your insurance covers, you can search your insurance’s website to find a list of covered centers, or you can visit the treatment center’s website for their list of accepted insurance plans.
For example, the Department of Health & Human Services explains that all their insurance plans are required to cover:
They do clarify that the amount insurance covers will vary based on each plan’s benefits and requirements.
If you need help finding a treatment center near you, you can utilize the Substance Abuse and Mental Health Services Administration’s (SAMHSA) treatment finder tool.
It’s important to remember that just because a treatment center is covered by your insurance doesn’t mean it’s completely free to attend. Depending on your insurance plan, you may have to meet a deductible or pay a co-pay for every treatment you attend.
Here at Sage Recovery, we are in-network with Blue Cross Blue Shield and Cigna. Additionally, we are also in-network with some, but not all, United, Aetna, and Humana plans. We will be happy to call and verify if your policy is one of them.
If your plan is not in network with us, our office staff will file claims with out-of-network insurance carriers and will assist you in getting reimbursement from your insurance carrier if your plan does not have benefits.
The good news is that you can still attend treatment even if you don’t have insurance. Many treatment centers offer discounted rates or payment plans for people who qualify for financial assistance.
Depending on your financial situation, your choices of affordable treatment centers may be limited without the help of insurance. However, just because you don’t have insurance doesn’t mean you are unable to attend treatment.
Many states have money set aside to assist people who can’t afford treatment. Additionally, according to SAMHSA, treatment centers sometimes offer grants or scholarships, stating, “Not all of these will cover your whole stay, though, and many will revoke funding if you don’t complete their program, leaving you financially responsible for the time you spent there.” If you end up accepting a scholarship or grant, SAMHSA advises that you verify if there are any strings tied to money that’s given on your behalf.
Some people recommend viewing treatment as an investment since often, not attending treatment is much more costly. So, the real question would be,can you afford NOT to attend treatment? For example, if you are considering entering treatment for substance use disorder (SUD), you could consider how much the addiction is costing you to sustain. This may include monetary costs, as well as personal ones, such as:
Here at Sage Recovery, we want to make sure that everyone who wants to attend treatment has the option to do so. As a result, we offer flexible and customizable packages to fit your needs, which will allow you to discover new things while healing from the hard things you’ve been through.
Again, it is important to note that every situation is different and, therefore, payment may vary based on insurance, financial situation, and availability of resources.
Here at Sage Recovery, we believe there are multiple pathways to healing. That’s why our master’s level clinicians are trained in various approaches, such as CBT, DBT, EMDR, yoga therapy, nature immersion, equine therapy, art therapy, and much more. Our goal is to help you heal healthily from the hard things you’ve been through, while also helping you find positive outlets that help you enjoy your life. Whether you require residential, outpatient, intensive outpatient care, or partial hospitalization, we have a treatment plan for you. Reach out to us at (512) 306-1394 to find out more about our customizable treatment plans, financial assistance, and high-quality amenities. Whenever you’re ready to begin your healing journey, we’ll be here for you.