For parents who discover that their teenager struggles with a substance use disorder, the first question they should ask themselves is, “How can I help them?” If the answer involves drug rehab, the next question may very well be, “How can I pay for it?”
It’s a natural question to ask. After all, fees charged by drug treatment facilities can range from $250 to $700 per day for detoxification and/or inpatient rehab services. Outpatient rehab or medication-assisted treatment average between $500 and $3000 per month or more.
Health Insurance Can Provide Coverage
If you have medical insurance offered by your employer, a trade group or a private company, at least part (and possibly most) of the cost of rehab will be covered by your plan. A portion of the Affordable Care Act mandates that all health insurance plans must cover substance abuse and mental health treatment programs to a certain extent.
Whatever portion that insurance does not cover can be paid for using a health savings account or a flexible spending account. Employers may offer these accounts so that workers can allocate a certain part of each paycheck that can be put toward qualified medical expenses, which includes addiction treatment.
Medicaid and Financing Options
If you don’t have private or employer-sponsored medical insurance, you can still receive cost reimbursement through your state’s Medicaid program if you enroll your teen at a participating facility. The coverage amounts and requirements vary by state, so be sure to check with your state’s Medicaid office for details.
Whatever portion of your teen’s rehab isn’t covered by the aforementioned programs can often be structured into a monthly payment plan. The facility itself may offer this type of program; if not, there are many banks, credit unions or other institutions that can lend you the money needed to pay the remaining balance and allow you to submit monthly payments over multiple years.
Low-Cost or Free Facilities
For low-income families or those below the poverty line, the Substance Abuse and Mental Health Services Administration (SAMHSA) can help them find treatment facilities that are subsidized by an outside source. The SAMHSA website has a Behavioral Health Treatment Services Locator that parents can use to find a rehab center where payment assistance is offered.
Though not available everywhere, there are some rehab centers that do not charge any fees to their patients. The Salvation Army’s no-fee inpatient rehabilitation program is a prime example, though other religious or civic organizations may also operate no-cost rehab facilities.
Other Ways to Pay for Rehab
Finally, if you are not paying for teen rehab with insurance, there are a few other innovative ways to offset your financial burden. Some possible solutions involve:
- Withdrawing a portion of your Individual Retirement Account (IRA) penalty-free, though you’ll still have to account for an amount that is 10 percent of your adjusted gross income
- Asking family or friends for the funds, which will give them a personal stake in your teen’s recovery
- Setting up a crowdfunding account so that donors can contribute to your efforts from anywhere in the world
Parents should never let the costs of teen rehab dissuade them from seeking help for their teenager. It may help to think of these expenses as an investment in their teen’s future; drug rehab can potentially provide the teen with the support, therapy and coping skills needed to complete a successful recovery and lead a substance-free lifestyle as an adult.
For information on rehab or drug treatment options for your teen, contact Next Generation Village today.