Payment Options for Addiction Rehab in Burlington, New Jersey
While addiction treatment can significantly improve your quality of life, the cost of going can sometimes feel like a barrier. You may feel worried about missing work, or about what your insurance can cover. Many people are intimidated by the process of navigating health insurance to ensure coverage.
At Pathways Treatment Center, we have a simple goal: To make treatment available to everyone seeking help. Addiction treatment can include formal treatment programs, but it can also mean free community programs, 12-step groups, holistic approaches, and medication.
People often engage in a variety of treatment approaches to find the strategy that works best for them. Many people need the structure, support, and monitoring of a formal treatment program to ensure best outcomes. We at Pathways Treatment Center work to help them access the help they need.
How to Pay for Rehab
There are many ways to pay for and receive help for addiction treatment. Our staff will work diligently with you to help you understand all your options. These may include:
- Insurance
- Sliding scale options
- Private financing
If paying for inpatient or outpatient treatment is not a viable option, there are also public addiction treatment programs (like non-profits). They can provide free or low-cost services.
How to Pay for Rehab Without Insurance
It may be possible to use a credit card to pay for addiction treatment. Every credit card has specific credit limits based on your credit score, monthly income, and other cards.
Some credit card companies specialize in medical costs. Credit cards may have restrictions on what they can be used for, and it’s important to be aware of them. It could be challenging to make monthly payments, and interest rates may be high. Research your options with the company managing your credit care before agreeing to it.
Some treatment facilities offer sliding-scale services for clients facing financial hardships. Sliding-scale fees will take your income and financial situation into account when charging for services. They can help reduce the cost of treatment overall or can be a foundation for a payment plan.
This is viable option for people with lower annual incomes who want to receive therapy and specialized treatments. The sliding scale is put into place so everyone has a chance to receive equal levels of care, correlating wiht their ability to pay.
How to Use Insurance to Pay for Addiction Treatment
If you have health insurance, the Affordable Care Act (ACA) ensures that you have coverage for mental health and substance abuse treatment services, This is called parity.
Every insurance provider and specific plan is different in terms of how they provide coverage, the level of coverage, and what type of treatment services are covered. Insurance coverage varies from state to state, provider to provider, and plan to plan. It’s important to conduct research before attempting to use insurance to cover addiction treatment services.
The best way to find out what portion of treatment is covered by insurance is to let the staff at the treatment program assist in negotiations. We at Pathways Treatment Center contact your insurance provider and work with them to ensure you are aware of the maximum amount of coverage possible through insurance.
Options Are Available for Addiction Treatment
A lack of insurance or other financial difficulties does not mean you can’t get help for addiction and ongoing support in recovery. There are numerous options to help you offset the cost of rehab.
The Pathways Treatment Center staff is available 24/7 to answer questions about how to pay for rehab. We are more than willing to assess all your options. Contact us for information on our offerings or for help in contacting and working with your health insurance provider.
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