If you are one of the millions of people who struggle with addiction, you may wonder how you could pay for addiction treatment to help you get sober. According to the Substance Abuse and Mental Health Services Administration or SAMHSA, as few as 10% of those who could benefit from comprehensive addiction treatment get the help they need. Several factors could be blamed, including stigma, denial, and possibly the most notable, cost. Quality addiction treatment at a professional drug rehab can be costly, especially if the cost to get well comes entirely out of pocket. Many people worry about how the financial obligation associated with rehab will affect their families.
What Are the Common Signs of Drug Addiction?
The best way to ensure you or a loved one receives early and effective addiction treatment is to understand the common signs of drug addiction. Depending on the drug and the severity of one’s addiction, it may be possible to hide the addiction from friends or loved ones for a short time. However, in time, addiction’s physical, behavioral, and emotional effects become overwhelming and too challenging to hide.
Someone who struggles with a drug addiction will crave the effects of the drug. The urge to use or feel the “high” the drug causes will become so intense that they will ignore other important areas of their life such as family or work to seek and use drugs. Other common warning signs increased isolation, fixating on getting or using drugs, mood swings, new or worsening legal problems, personality changes, behavioral changes, changes in diet, slurred speech, new or worsening mental health conditions, physical health changes, weight changes, diet changes and many others. Addiction is a disease unique to the individual. Because of this, not all drugs will produce the same effects. Also, the same drug may not have the same impact on different people.
Does Insurance Cover Rehab for Drugs?
2010 brought about significant changes to how insurance companies covered drug rehab. Before the Affordable Care Act (Obamacare), private and federally funded insurance programs could control what types of treatment services they covered. Also, they could severely limit the amount of annual or lifetime coverage available to policyholders for addiction and mental health treatment services as policy declarations often made substance use treatment or mental health treatment a “pre-existing condition.” In 2010, many of the unfair restrictions and limitations surrounding insurance coverage for rehab disappeared.
The Affordable Care Act (ACA) helped expand drug rehab options for those covered by private insurance, employer-sponsored programs, Medicare, and Medicaid. The ACA also required many insurance companies to include addiction treatment options in their standard health insurance coverage. These changes significantly changed how and how much insurance paid for addiction and mental health treatment. They also expanded access to addiction treatment services for millions of Americans who were previously restricted by out-of-pocket or lifetime treatment maximums. It is important to note that the amount of coverage available from your plan will depend on the level of coverage purchased; however, most plans cover between sixty and ninety percent of inpatient and outpatient treatment expenses.
Why You Should Go to Rehab if You Struggle With Addiction
Overcoming addiction is not easy. In some cases, depending on the severity of your addiction and the substance or substances you use, quitting “cold turkey” can be dangerous. If you or a loved one struggles with drug addiction, seeking help from a professional addiction rehab like Concise Recovery can ensure you receive the support and guidance you need to overcome addiction safely and successfully. Completing a comprehensive treatment program improves your chances for treatment success and lasting recovery. Contact our admissions team today if you are ready to learn more about how you can use your insurance to get sober.