Opioid Abuse: How to Pay for Treatment

Opioid Abuse How to Pay for Treatment - TransformationCare

The opioid crisis, is something that shouldn’t be taken lightly. In 2019, nearly 50,000 people died from an opioid overdose, according to the National Institute on Drug Abuse. If you misuse opioids, but don’t consider yourself an “addict” who needs help, stop bullsh*ting yourself. Getting addiction treatment could be what saves your life! Maybe you’re hesitant to go to rehab because you don’t have the money for it. Don’t let that stop you because it IS possible to get the rehab treatment you need without going completely broke.

What is Opioid Abuse?

Opioids are drugs, some illegal and some not, such as heroin, synthetic opioids such as fentanyl, and prescription painkillers like oxycodone, hydrocodone, codeine, and morphine. The euphoric feel associated with them is what makes them so dangerously addictive. Opioid abuse is when someone builds a dependence on one or more of these drugs. Many people are even legally prescribed opioids like pain pills, but misuse them by taking more than prescribed.

Kicking Opioids

We’re not going to lie…kicking opioids are brutal. Many people think getting clean off of them means going to a building giving out withdrawal medication and yes, it might make you feel a little better, but the only way to kick opioids for good is to go to a residential rehab program that also treats the underlying mental health issues.

How to Pay for Opioid Treatment

There’s different ways to pay for rehab and the best news is there’s a number of ways to make it affordable. The most common form of payment people think of when considering rehab for opioids is paying with insurance. Sounds simple right? You pay a monthly premium and insurance should cover most health needs besides a co-pay here or there. Truth is..IT’S NOT! How much a health insurance provider covers for rehab depends on what insurance provider you have, your plan type, and your benefits. 

Using HMOs to Pay for Rehab

HMO health insurance plans typically have a cheaper monthly premium, but the limitations can end up costing you your quality of medical care. You’re extremely limited in choosing a residential addiction treatment facility when using an HMO plan to pay for rehab, because they’ll only cover a portion of the cost if the provider is contracted with the facility. It’s important to choose a rehab center based on the quality of their program and whether they’ll actually help you work through the trauma that’s driving your addiction, — otherwise; you might get clean for a little, but not clean for good. 

Using PPOs to Pay for Treatment

PPO plans typically have a higher monthly premium, but they give you the freedom to choose what doctors you see and even what rehab you want to go to. With a PPO, certain rehabs may be in-network or out-of-network, but you’ll still receive a portion of the coverage either way. 

How Much Does Rehab Cost If You Use Insurance?

Insurance is a bitch and it’s often hard to tell exactly how much rehab will cost you because the portion of cost they’ll cover depends on your plan and the amount of days you’re in rehab. If you’re using insurance to pay for rehab, you should also keep in mind that your insurance provider may try to cut your time in treatment short by denying coverage after a couple weeks. While you’re in rehab, your focus shouldn’t be on dealing with your insurance — it should be set on getting clean and sober for good.

Using Cash Pay for Opioid Abuse Treatment

Private pay, also known as “cash pay,” is when you don’t involve insurance and you pay for the cost of rehab with your own money. This way you can be sure you’ll receive the full time needed in rehab for opioid addiction without having to deal with insurance’s bullsh*t claim denials. Better yet, when you do private pay, the cost of treatment may be cheaper than the price when paying with insurance. You don’t want to be stuck with a higher cost, only to have your insurance cover little to nothing of your residential stay. Also, rehabs often offer payment plans, so you can pay little by little once you’ve gotten clean and sober for good.

Making Rehab Affordable

Transformations Care, in the beautiful South Bay, accepts PPO plans, cash pay, and more! We believe to get fully clean and sober for good, you need a rehab program that will fully treat both your addiction and mental health issues. At Transformations Care, we also believe that anyone that wants to get clean from opioids and is willing to put in the work to do it, deserves the treatment they need, and can afford! Give us a call today at 424.339.0965, and we’ll help you find a way to make drug rehab affordable for you.

Getting Clean Sober at Home 2

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Getting Clean & Sober at Home

Today, more than 75% of hospitals and healthcare providers offer access to telehealth treatment, with 29 states having gone so far as to enact telehealth parity laws, which force insurance companies to reimburse patients for telehealth at the same rates as they would for in-person treatment.
 
 If you’ve been thinking about getting clean and sober, or if you’ve been wanting to work on and strengthen the recovery you already have, it’s never been easier to do it through telehealth.