How to Pay for Rehab in Illinois
One of the biggest worries people have before going to treatment is how to pay for rehab. It’s certainly true that drug and alcohol rehab is a huge investment, however, it doesn’t have to be one that breaks the bank. And, the cost of rehab should never stop someone who needs help from getting it.
Even though the cost of addiction treatment varies widely from one treatment facility to the next, residential programs tend to be the most expensive, and outpatient programs are the most affordable. Whether you have insurance, are low-income, or don’t have insurance at all, there are many ways you can pay for rehab in Illinois.
Paying for Rehab in Illinois With Insurance
The vast majority of people who attend private addiction treatment facilities in Illinois pay using their insurance. Since the establishment of the Affordable Care Act (ACA) in March 2010, all health plans are required to cover at least some portion of addiction treatment.
The ACA, also known as Obamacare, ensures that health insurance applicants are not penalized for pre-existing conditions. This allows people who are struggling with addiction to apply for insurance so they can get treatment. Substance use disorders are also featured in the ten essential health benefits that are at the foundation of the ACA, which is why policies must provide at least partial coverage for treatment.
Whether you purchased your insurance through the Healthcare Marketplace or from your employer, you can rest assured that your policy will cover at least some of your care. However, it can be difficult to know exactly how much is covered without speaking to your insurance provider first.
To determine how much you will have to pay out-of-pocket, you can speak with your insurance company or an admissions counselor. Either of these individuals will be able to verify your insurance and explain your benefits to you.
If you don’t have private insurance and you have Medicare or Medicaid instead, the same idea applies. Both federal and state-sponsored health insurance benefits are required to cover rehab costs for their applicants.
Private-Pay or Financing
If you don’t have insurance or if your out-of-pocket costs are high, you may need to turn to private-pay or financing. Private-pay is another word for self-pay or private funding, so you could either pay these costs yourself or ask a friend or family member to help you cover the costs.
Financing, on the other hand, may be done through a private financing deal or the treatment center. If you qualify for financing, you may be able to make sliding-scale payments each month to pay for rehab. This is often done through a third-party lender who works with the treatment center to create a loan package that you pay back after treatment.
Scholarships or Crowdfunding
If you qualify for a scholarship, treatment may pay for itself! If you have exhausted all of your financial resources, you can search for and apply for scholarships for rehab. Or, you can create an online fundraising page to try and crowdfund money from friends, family, or even strangers on the internet to get help.
Another source of funding is the SAMHSA grants. The Substance Abuse Prevention and Treatment Block Grant (SABG) provides treatment programs for specific demographics. For example, if you are a pregnant woman or have other special circumstances, you may qualify for this type of grant.
If you are struggling to pay for rehab in Illinois, you can always look into state and federally-funded addiction treatment programs. These programs offer both inpatient and outpatient care. Many of these programs are free or low-cost.
The only downside to public government-funded programs is that there is usually a long waitlist to reserve a spot in treatment. However, most provide some type of outpatient support to people who are on the wait-list.
Non-Profit Addiction Treatment
Lastly, there are non-profit drug and alcohol rehab programs available to qualifying individuals at little to no cost. These treatment centers will often provide care in exchange for an agreement that patients make to complete duties or tasks around the treatment facility. The idea is to “work your way” to recovery. Some of these include Teen Challenge and The Salvation Army.
Learn How to Pay for Rehab in Illinois Today
Figuring out how to afford rehab isn’t always easy, but it is possible and entirely worth it. Even if you’re not sure how you will pay, give us a call. Our team at Navis Health can assess your situation and help you find a treatment program that is affordable, accessible, and accommodating to your needs.