Once you’ve made the decision to take control of your life and enter a rehab program, the next thing you need to think about is how you’ll cover the cost of treatment. In many cases, your existing health insurance will take care of either the entire payment or a significant portion of the fees. At some rehab centers such as ours, you also have the option to self-pay some or all of the cost.
Here at FHE Health, we’re committed to making our rehab services easy to access by supporting our clients throughout the insurance claim process, and we deal directly with most major insurance providers. We also work with clients who want to cover the cost of their addiction and mental health treatment on a private pay basis because we believe that a lack of insurance coverage shouldn’t keep you from getting help.
Self-pay usually comes into play when you have an insurance plan that doesn’t cover the specialized program you need, your addiction benefits with your insurance company are already maxed out or you simply don’t have any coverage. Whatever the situation, it’s important to know that you can still access support to start your recovery journey.
What Does Self-Pay Addiction Treatment Cost?
When you’re considering paying out of pocket for rehab, it’s important to understand all the factors that make up the total costs. Generally speaking, the fees are based on the amount of time you spend in treatment. The longer you’re in a program, the more services you use.
Keep in mind that inpatient treatment programs include your room and board and sometimes access to specialized amenities such as fitness centers, on-site medical clinics, and swimming pools. In some treatment centers, you also have the option to add complimentary health services to your programs such as massage therapy, nutritional counseling, Neuro-rehab, and IV vitamin therapy. All of these extras can impact the total cost of treatment.
Our FHE admission counselors will provide you with an overview of our patient self-pay rates to help you understand what costs are involved with our programs.
Private Pay Options for Rehab
There are a number of self-pay options available for rehab. If you aren’t in the position to write a check for the full amount, you can often find other means to finance the cost.
Depending on your specific circumstances, you may be able to negotiate a private loan from supportive friends or family members who are committed to helping you access quality addiction treatment services. If you choose to go this route, don’t be surprised if you’re met with cynicism, especially if you’ve borrowed money in the past to fund your drug habit. That’s not to say you shouldn’t try, though, especially if you have a solid support network that genuinely wants to see you succeed in your recovery and they have the financial resources to back you.
You can also seek out a personal medical loan from your bank, credit union or one of the many financing companies that specialize in lending for behavioral health and substance abuse treatment. Some credit card companies also offer low-rate and deferred interest plans for medical expenses, including rehab.
Why Some People With Health Insurance Choose to Self-Pay for Addiction Treatment
Having health insurance that includes coverage for addiction treatment might seem simple, but unfortunately, many insurance companies have strict guidelines around which substance abuse treatment centers they’ll pay for. This can really limit your options when it comes to choosing the right rehab for your specific needs, and it may even keep you from accessing the kind of advanced treatment services that will address both your addiction issues and mental health concerns.
Opting for patient payment rather than going through your insurance company ensures you have total control over choosing your treatment facility. It also means you won’t have to wait weeks or even months for coverage approval from your insurer. As a self-pay client, you can often get a spot in rehab quickly.
Weighing the Cost of Addiction vs. Treatment
While putting a price on your substance abuse and mental health issues might seem impossible, try to think about what your issues are costing you and your family every week, month or year. How much money do you spend on drugs or alcohol, and how many financial opportunities have you missed out on due to anxiety, depression or PTSD?
Once you’ve reached the point where you recognize that you need help, it’s likely that your addiction and mental health issues have had a negative impact on your career and your personal finances. Getting the treatment you need isn’t just about becoming clean and sober; it’s about learning how to live your life to the fullest and reaching your potential. If you’re sincere about wanting help, rehab is truly an investment.
Have Questions About Self-Pay Options at FHE?
To learn about the various patient payment and private pay options offered here at FHE Health, call us anytime or send us a message online. We’re available to talk 24 hours a day year-round, and we’re happy to walk you through our self-pay rates for all of our addiction and mental health programs.