One of the most stressful parts about going into treatment can be finding a way to afford it. Luckily, there are many different options available in terms of payment. Many people may qualify for payment plans or other types of assistance. When it comes to insurance there are always options. Having insurance when undergoing rehab is key to being able to comfortably afford rehab. In the area, there is Anthem Pathway HMO insurance offered. This insurance is offered on three different levels of coverage. There are bronze, silver, and gold levels. Each plan may offer substance abuse treatment coverage. However, they may also require copays or coinsurance. A deductible may also have to be met prior to the insurance coverage kicking in. In your own individual case, it is best to contact your insurance provider. It is also best to figure out which treatment center is the best option for you. Once you know where you want to get the treatment you will have a better idea at how much treatment will cost. Therefore, you will be able to figure out how much insurance will cover.
Treatment options can vary. There is inpatient treatment where a patient gets care and support at the center. The patient lives at the treatment center 24/7. Then there is outpatient care where the patient comes to treatment daily. In this circumstance, the individual stays in their own home and comes to treatment daily. Inpatient care tends to be pricier than outpatient care as patients are living at the treatment center. There are many ways to reduce the cost of treatment if insurance isn’t enough to cover the cost. An advisor at the treatment center can help you with financial questions or concerns. Do not let financial issues keep you or a loved one from a brighter future.
Medicaid and Medicare
When it comes to getting addiction treatment Medicare and Medicaid can usually be used to cover treatment expenses. Most centers in major cities accept Medicaid and Medicare. There is no predefined category for addiction treatment for Medicare. However, substance abuse is covered by Medicare when the treatment is shown to be reasonable and necessary. This coverage is for both inpatient and outpatient care. With inpatient treatment patients stay at the treatment center. With outpatient care, patients get treatment at the center daily and return to their own residence at night. Most people who are in need of this coverage are able to show that addiction treatment is necessary.
In Colorado, Medicaid provides coverage of substance abuse treatment for individuals who suffer from drug or alcohol abuse. This includes inpatient and outpatient treatment. If you or a loved one is having a hard time figuring out if insurance can cover treatment, check the health sections of your insurance company’s website. It should have all the information in regards to treatment there. If you or a loved one is in need of other options, there are a few. A lot of treatment centers in Colorado offer payment assistance. Some places may offer a payment plan or a sliding scale fee. It is always best to talk with one of our expert advisors as well to get an idea of different treatment plans and costs. Shorter treatment plans are cheaper and so is outpatient care rather than inpatient/residential care. If the cost of treatment is important to you or a loved one it may be best to stick to short-term outpatient care and reassess if more treatment is needed at the end. Do not let financial issues stop you or a loved one from getting the help they need.