Can You Help a Loved One Pay for Rehab If Their Insurance Won't Cover the Full Cost?

If you’ve got a loved one with drug addiction, you’re likely looking for ways to help them get clean. One of the biggest challenges is paying for rehab. If insurance doesn’t cover the total cost, be sure you know all available drug addiction treatment resources and have a plan in place. This can make a massive difference in the success of your loved one.

If you take out a life insurance policy on your loved one, in most cases, the policy will cover only part of the cost of treatment for drug addiction. Typically, insurance will cover alcohol and drug addiction treatment if the treatment is at a state-licensed facility.

Most insurance companies require that you have a referral for addiction treatment before they cover the total cost of it, but there are other options. The simple answer to whether you can help a loved one pay for rehab if their insurance doesn’t cover the total cost is that you can, provided you make sure that you stay within the limits of what insurance will cover and find additional ways to help cover the costs.

  • Even with insufficient insurance, the cost of rehab should not be a deterrent to getting the help you need.
  • Addiction is highly treatable, and with proper help, your loved one can live an everyday life again and not have to worry about the addiction. If you and your loved one are struggling financially and don’t have enough money to pay for the total rehab cost, then there may be other options.

Local and state-funded facilities have limited to no-cost programs that help those struggling with addiction. The length of the program may vary, but you should be able to get more than just individual sessions. The qualification requirements may be strict, but getting your loved one into the program can be a massive win.

Several non-profit organizations also provide free drug addiction treatment for those who can’t pay for the total cost. Don’t rule out funding options just because you need more money upfront. Financing is one of the most common questions people ask. If you’re struggling to pay for the total rehab cost, reaching out to friends and family members is one way around the problem. Many people will be willing to help out, but you have to be creative in your approach.

You may also be eligible for grants that will cover the cost of addiction treatment. If you’re struggling to pay for rehab, several credit cards and loans can ensure you get the treatment you need. The benefits of using loan and credit facilities include:

  • If your loved one has been convicted of a DUI, there are options for funding the rehabilitation process. A DUI conviction can devastate most people, but it’s not a permanent sentence.
  • When you add up the costs of insurance and rehab, you will probably not be able to cover the total cost. Don’t let the lack of insurance and money discourage you from getting help.

Utilizing the Affordable Healthcare Act

The Affordable Healthcare Act can also be a huge help when it comes to financing addiction treatment. Not only can you get health insurance, but you’re also eligible for substance abuse and mental health services. You can get financial help to pay for rehabilitation if you have an addiction. The money will come out of your pocket, but it can help cover the cost of rehab. There are also prescription drug plans that are free or low-cost. You can apply for the affordable healthcare act through open enrollment. However, if you miss out on this type of enrollment, you can enroll through other qualifying events such as:

  • Leaving jail
  • Getting Married
  • Moving

The Affordable Healthcare Act requires that insurance policies cover drug and substance abuse treatment. Without insurance, treatment can be expensive, so it’s essential to know your options for financing rehab and other health-related expenses, including mental health. If you have private insurance and insufficient coverage, there may be ways to get financial help specifically for drug addiction treatment. When you are ready to start your recovery journey, please do not hesitate to reach out. Call us at 833-680-0165.