You are aware that your loved one has a substance use disorder, but you don’t know where to turn for help. The best place for you right now is The National Rehab Hotline. You can learn what you need to know about inpatient rehab treatment centers and how much this treatment may cost, and you can access the hotline for free at 866-210-1303.
You will never have to pay for the information that you receive, and you can ask for every type of resource that you could possibly need. If you aren’t sure that your loved one is really in need of inpatient rehab treatment, the hotline counselor will be able to help you determine this.
The hotline is available 24 hours a day, and we employ knowledgeable and helpful counselors. We will offer help without accusations or judgments, and you can remain anonymous if that is how you would feel most comfortable. The call to The National Rehab Hotline is the most important step toward getting you or your loved one much-needed help.
When to Call a Hotline
The time to call The National Rehab Hotline is when any of the following situations occur:
• You feel as if you are in a life-threatening situation.
• You believe that your loved one is also experiencing a mental health crisis.
• You need information about the drug or alcohol rehab treatment centers in your area.
• You are looking for resources related to substance use disorders.
The Cost of Inpatient Rehab Compared to the Cost of Not Treating Substance Use Disorders
The cost of drug rehab treatment is minuscule in comparison to the cost of drug use in the United States. Drug use costs this country more than $600 billion every year, but if people decide to enter inpatient rehabs and abstain from their use of drugs or alcohol, the nationwide costs can be reduced considerably.
When drug use is left untreated, it results in a very costly situation. This is due to the productivity that is lost when those addicted to substances miss work, end up in the criminal justice system or increasingly use the health care system. Ten million people working full time in the United States are battling drug addiction, but if employers have policies in place that allow these employees to obtain treatment for their substance use disorders, it would increase worker productivity as it improves the health and wellness of the country.
Associated with drug and alcohol use is the criminality of the users. For example, a person convicted of a drug charge may be sentenced to one year in prison. This costs the home state $24,000 per person. If the court sends the person to drug rehab instead, the cost is equal to $4,700 per person. Therefore, treatment and prevention would reduce the costs in the criminal justice system. As a matter of fact, every dollar that is spent on treatment for drug and alcohol use disorders saves $4 in health care costs. It also saves $7 in costs in the criminal justice system.
Investing in drug use treatment lowers criminal justice system costs with lower rates of theft and drug-related criminal offenses. Society benefits as well because when people get help for their substance use disorders, there are fewer conflicts between people, there is less absenteeism at work, and there are fewer overdoses and other drug-related accidents.
How Much Does Inpatient Rehab Cost?
This question is difficult because there are several variables. For example, the cost of inpatient rehab differs depending on the following factors:
• The type of program you choose for your loved one
• The length of time your loved one remains in treatment
• The geographical location of the treatment program
• The types of amenities that the treatment center offers
A 30-day stay in an inpatient facility can cost between $250 and $800. If your loved one is going to remain at the facility after the detoxification process, the cost will be between $5,000 and $80,000. This will depend on the variables listed above.
The Affordable Care Act
The ACA covers treatment for substance use disorders. Starting in 2014, all insurance policies offered on the Health Insurance Exchange as well as Medicaid are required to offer coverage for substance use disorders in their packages. This means that if you are unable to afford treatment for a substance use disorder, your ACA-backed insurance policy will cover it.
Finding a treatment facility that accepts insurance policies purchased through the exchange will be relatively easy because most facilities accept these types of policies. Under the requirements of the ACA, the facility must offer services of high quality, and it must be affordable for most people.
The services that the ACA covers include medical detoxification and inpatient treatment at some treatment facilities. The medications that prevent substance use are also covered. Most importantly, the ACA covers ongoing treatment that helps people maintain their sobriety as well as programs focused on preventing relapse.
Specifically, health insurance plans offered on the exchange must provide treatment for a chemical dependency. They must cover inpatient rehab that also addresses mental health disorders and behavioral issues. Lastly, they must provide coverage for the treatment of the addiction, and this includes various counseling services. Treatment under the ACA must be deemed “medically necessary,” but your loved one’s physician can cover this requirement.
The total cost of treatment will depend on the amount that the insurance policy will pay. You or your loved one may need to pay deductibles, co-payments, and the fees charged by the treatment facility that you eventually choose to attend.
Paying for Inpatient Rehab With Insurance
Because of the Affordable Care Act, insurance companies are required to cover drug and alcohol treatment. All types of insurance policies fall under this requirement, including Medicare, Medicaid, private insurance, and insurance obtained through the military.
If your loved one has private insurance, you must learn what the policy will cover. For example, some insurance policies will only pay for rehab services for 30 days. If your loved one has an addiction that requires much more extensive treatment, this will not be enough.
If your loved one does not currently have insurance, he or she may qualify for Medicaid. The Healthcare Marketplace also offers people several options for subsidized insurance coverage. If your loved one qualifies for one of these plans, he or she may be able to receive a premium that is based on income.
Paying for Inpatient Rehab Without Insurance
If your loved one doesn’t have insurance, this doesn’t have to eliminate the possibility of entering into inpatient rehab. Check with your state or local government to see if there are any free programs for drug or alcohol treatment. You can also check for the following options:
• Faith-based treatment: Faith-based organizations include the YMCA and Catholic Charities, but not all organizations place an emphasis on God. For example, a faith-based organization may also be a secular organization that does not speak of God. Religious groups may also run these organizations but not approach the issue of God. Some religious organizations do bring God into their treatment programs and do not include any nonreligious teachings. Lastly, holistic organizations include religious instruction as well as nonreligious instruction. Many of these organizations offer inpatient rehab at no cost.
• Scholarships offered by treatment facilities: You may also be able to find a facility that is willing to give your loved one a scholarship for their inpatient rehab programs. These facilities offer people without the means to pay for their treatment a chance to receive a scholarship if he or she otherwise wouldn’t be able to receive treatment for addiction. This option requires diligence on your part because you will have to contact each individual facility to ask whether or not a scholarship is available.
• Scholarships offered by non-profit organizations: The organization 10,000 Beds, for example, provides scholarships at treatment facilities. This organization asks treatment facilities that have vacancies to donate some of their beds to those without the means to pay for treatment. This organization may be able to place your loved one in a treatment program at no charge.
Your loved one also has the opportunity to enter into a rehab facility that pays for treatment with funding from the federal government or the state government. The National Rehab Hotline can help you access these and other treatment resources.
Other Ways of Paying for Inpatient Rehab Treatment
Some treatment facilities will agree to charge your loved one the amount that he can afford based on his income. To find these facilities, perform an internet search for sliding-scale fees. In some cases, the treatment facility will allow your loved one to negotiate the amount that he or she will pay for treatment. The facility may even be able to offer a discount on the services. Some people may receive the financing that pays for their treatments.
Protections for Individuals With Drug or Alcohol Issues
Your loved one may be against obtaining treatment for their drug or alcohol issues because he or she is concerned that an employer may hold the addictions against him or her. You can explain to your loved one that the government provides several protections, so he or she does not have to forgo treatment for a substance use disorder out of fear of losing a job.
The Americans With Disabilities Act
The provides Americans With Disabilities Act prohibits employers from discriminating against employees if they have a history of alcohol or drug treatment. Furthermore, your loved one cannot be fired or refused a promotion because of his or her history of drug or alcohol treatment. If the person is not working at this time, a future employer may not refuse to hire him or her because of spent time in an inpatient rehab facility. Most importantly for the moment, your loved one’s employer is not allowed to refuse to hire, to offer a promotion, or fire him or her because he or she is currently enrolled in inpatient drug or alcohol rehab.
The Family and Medical Leave Act of 1993
If your loved one worked in his or her present job for at least one year and worked 1,250 hours in the past year, he or she is entitled to take a 12-week unpaid leave of absence to get treatment for drug or alcohol addiction due to the provides Family and Medical Leave Act of 1993. Your loved one can take advantage of this leave of absence to attend an inpatient rehab center, and his or her employer may not fire or refuse to offer a promotion because of this treatment. Furthermore, your loved one’s employer is expressly prohibited from retaliating against him or her for asking to take this leave.
The FMLA can benefit you too if you or another family member is going to be needed to help care for a loved one. The act says that your employer may not deny you this 12-week leave of absence to care for your family member who is recovering from addiction.
If you are ready to get help for your loved one, contact The National Rehab Hotline at 866-210-1303.