Exploring the Cost of Drug Rehab and How its Confronted.
Every family that faces the necessity of providing alcohol and drug treatment to someone in their family who is suffering from addiction is concerned about the cost of drug rehab or long term alcohol and drug treatment. This is even more painful when there isn’t any health insurance coverage, which is usually the case.
Over half of the calls that we get are from people that have NO financial resources and are desperately need help. They are usually withdrawing from opiates, like heroin, and are in great pain and extremely high anxiety and fear. Unfortunately, there is little that can done for these calls, since states all have state-funded programs, but they all have waiting-list and the people calling need help NOW.
Looking at the consequences of not providing treatment, or sending a loved one to a state-funded drug rehab brings home the harsh reality that you are between a “rock and a hard place”. If you don’t provide support for effective drug or alcohol treatment you may not be able to live with the outcome…it is usually either jail, hospitals or worse. So, you take a deep breath and confront the cost or drug rehab. This cost averages about $30,000 for effective long-term residential alcohol and drug treatment center.
The majority of families that are facing addiction problems in one or more of their children, do not have the financial resources to pay for this level of quality treatment or cover the cost of drug rehab. These families are usually seeking programs that are subsidized by state funding. This is the knee-jerk reaction and not necessarily what has to be, as you will see further in the article.
Tax dollars fund medical treatment to either save someone’s life or to reduce the expense that would be incurred by the public if treatment were not provided. The rationale of saving society money by ending an addiction is well documented by the contrasting the cost on society of untreated addiction.
According to recent estimates (1), the total financial cost of drug use disorders to the United States is estimated to be $180 billion annually. The economic costs of alcohol abuse were 184.6 billion in 1998 (1).
In looking at the benefits of providing good alcohol and drug treatment, you find this argument makes incredible sense, but making sense no longer means that we can expect our tax dollars to be used for these services.
In California, health care utilization savings after addiction treatment were documented at:
• Emergency Room Visits were reduced by 39%
• Hospital stay reduced by 35%
• Overall total medical cost reduced by 26%
Employees treated for substance abuse have:
• Reduced absenteeism
• Reduced tardiness
• Lowered on-the-job injuries
Just all the more reason that we, as a society, should be providing some assistance to ensure that those members of our group that are addicted to alcohol and drugs won’t continue to be a drain on our economy and, personally, a drain on our emotions.
Certainly the advantages of getting effective treatment outweigh the cost, but many families understand that concept, but don’t have anywhere to turn to get the resources necessary to pay for treatment.
Rehab-drug.net has reviewed over 150 treatment centers and many of them were low-cost or state funded rehab programs and we can report that if you have NO other choice but to go to these centers, it is obviously better than being on the streets, but don’t expect them to cure the addiction. A extremely small percentage of those who enter these types of program find success, even for a month or two.
We apologize for the depressing reality that you have a good chance of handling an addiction problem with an effective drug treatment program, but you are probably not going to find success from state-funded programs. Please call us and we will help you get the best program you can afford and if you have to go to a state program, we can help counsel you as to how to get the most from that experience.
Be aware that the cost of a program isn’t equal to its effectiveness. The cost probably does equal the cuisine, but not the effectiveness of the treatment. Call and we will explain.
How Do Most People Pay for the Cost of Drug Rehab or Alcoholism Treatment?
Most people who have a family member who needs treatment are shocked at the cost of drug rehab that they are facing, and the addict or alcoholic in the family has already taken most of their resources.
Most addicts or alcoholics that need treatment have used all of their resources in buying alcohol or other drugs, and only when they can’t afford any more of their drugs of choice, do they start confronting the idea of getting help.
When individual or families confront the reality that conditions are not going to improve until they get professional help, they usually are faced with the fact that effective treatment is a major undertaking that takes months of residential care, and obviously, that level of professional attention is costly.
Some people have adequate medical insurance that has a provision for alcohol and drug treatment, but they still may be shocked when they find out that it will only pay for outpatient treatment, or that it is a HMO (Health Maintenance Organization) that has selected rehab centers that routinely get less than 5% success. If they want to attend an effective center, the insurance won’t pay.
It also isn’t uncommon to discover that your insurance may be a PPO (Preferred Provider Organization), which allows you to pick whatever center you want, but it limits the number of days that someone can be in residential treatment in any given year.
All of this is to say, when it comes to alcohol and drug rehab, it is smart to have adequate health insurance and to be sure that it would cover whatever program you feel is best or your specific condition. For instance, Blue Cross/Blue Shield is many times thought by the public as being very respectable company, but within the alcohol and drug rehab field, the truth is know that many rehab centers have chosen not to accept this company’s coverage because of a history of problems in collecting what is due.
Most rehab centers have found that Cigna has policies that cover better than most other companies, but you still have to be very careful to ensure that there aren’t limitations that would restrict your choices or the length of stay. It is best to check with the rehab center that you have chosen before you start looking for insurance coverage to be sure that it is a company that covers the cost of drug rehab at their center.
If you or your family is not covered by health insurance that pays for the cost of drug rehab, then you should definitely get insurance, not just for this problem, but for all of the reasons that many families claim bankruptcy because of medical issues. Fortunately, under the Affordable Care Act, you can now get health insurance that will cover the cost of drug rehab and you or your loved one won’t be penalized for pre-existing conditions, i.e. drug use and addiction.
It will take about six-weeks from the time that you enroll to be covered, but if you have someone in your family that is under the age of 26 and can’t be kept on your family health insurance policy, then you should get them covered as soon as possible. You can look at the different options, but a survey that we made of the policies available under the ACA, she found that if you pay a premium of around $500/month, then your deductible will be in the range of $3,000. This means that for around $4,000 you can get cover the cost of drug rehab for programs that would have cost of $30,000 and you will still have health insurance coverage for other medical issues.
If you are fortunate enough to be reading this information while you can still make plans to get adequate insurance coverage, you are luckier than most. Unfortunately, most people that are looking for alcohol and drug rehab fall into the category of people that have either spent their money on the addiction or the legal cost associated with addiction.
The alternative for these individual is to find a State-funded program. These programs are funded by Block Grant money from the Federal Government with State matching funds. Every state has a Single State Agency that administers these funds to community-based outpatient and residential programs to offer treatment to those who do not have other means of paying for their care. There are many problems with these programs, with the major problems being that none of them provide the amount of treatment required to handle one’s addiction. These state-funded programs may get less than 5% success whereas a good private program can get up to 80% success.