Choosing to Attend Treatment Without Insurance
While the Affordable Care Act made it mandatory for health insurance companies to include substance use treatment and mental health treatment, not everyone has insurance coverage. This should not hold you back from receiving the help you need. The good news is that you may be able to benefit from our self-pay rehab options at Catalina.
Whether you are seeking care for yourself or a loved one, and either do not have insurance or prefer to self-pay for other reasons, you have come to the right resource and rehab facilities.
Catalina Behavioral Health can help you verify your insurance benefits or discuss the payment plans available for those choosing self-pay. No matter what your financial situation, we want you to get the help you need to live a healthy and productive life.
Keep reading to learn more about private pay or self-pay for rehab services, and remember you can reach out to our admissions team with questions about what we can offer you at any time!
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8 Effective Ways of Paying for Rehab Without Health Insurance Coverage
Never allow cost to be the reason you do not enter into addiction treatment. Self-pay options can give you the financial flexibility you need to pursue substance abuse treatment or to improve your mental health without spending a fortune on treatment costs. You can still attend many of the best treatment centers (including Catalina) without private insurance.
Here are a few tips when it comes to paying for drug and alcohol rehab without the help of an insurance company.
1) Self-Pay Rehab: Discounts for Addiction Treatment
One of the first things you might want to look into if you do not have insurance coverage is a self-pay discount. Treatment centers often have contracts with insurance companies that establish a discounted price with an individual provider. They may be able to extend some of these same discounts directly to you instead.
Not needing to bill insurance saves the facility time when it comes to paperwork and the headache that often accompanies working with insurance. This can save you on your medical expenses, especially if you lack insurance coverage for treatment. While it may still be expensive, you have other options to get the help you need for substance abuse.
2) Ask About Sliding Scale Fees
Seeking addiction treatment might be at the top of your priority list, but can you afford to pay the full price if you need self-pay options? Both an inpatient rehab setting and an outpatient treatment facility may offer you the option of a sliding scale based on your income level.
Each treatment facility likely has a unique set of guidelines about what they feel is reasonable for an individual to pay based on various income brackets. This means that low-income individuals will not have to pay as much as someone who makes six figures per year (and may not need a sliding scale).
This is a very fair way to determine what each individual can reasonably pay for drug and alcohol rehab centers. When you speak with admissions, be sure to ask about any sliding scale fees if you think you may qualify.
3) A Pair of Financing Options to Pay for Treatment
There are many avenues you might pursue to get help for substance abuse or mental health (and these treatments may even overlap). Financing options are one way to balance your treatment without private insurance. Depending on your financial situation, this could take many different forms.
Credit Card Companies Can Help (But Read the Fine Print)
To start, you could put the cost of treatment on a credit card. If you have the option of opening a new line of credit with credit card companies, you might be able to take advantage of a 0 percent interest rate promotional period (depending on your overall credit and the individual company).
Make sure you (and any co-signers if applicable) carefully read the terms and conditions before applying for this sort of credit offer.
Personal Medical Loan Options
Another option is to take out a loan for your treatment. A medical loan or even a personal loan can front you the money you need to pay for your substance abuse or mental health treatment services. Interest rates will vary depending on your credit score, but you may be able to obtain low-interest financing for a private loan for such purposes. Funds are often available as soon as the next business day.
If you are going to go with a loan, look for some of these features:
- No hard credit check that can damage your credit score and make it harder to apply for loans in the future
- No origination fees
- Minimum credit scores that match your financial predicament
- Long loan terms to minimize monthly payment costs
- No prepayment penalties if you want to pay the loan off earlier than scheduled
4) Grants and Scholarships for Drug and Alcohol Rehab
One often overlooked way to pay for substance abuse treatment without insurance is via grants and scholarships. These often take a little more heavy lifting and research, but they should factor into your decision about how you will pay for your treatment.
Perhaps the most well-known grants come from the Substance Abuse and Mental Health Services Administration. The Substance Abuse and Mental Health Services Administration gives grants to treatment centers to allocate to individuals as they see fit, including those who may not be able to afford treatment without health insurance.
5) Check with Local Non-Profits
When you need help for addiction or mental health, you should know that there is a large crowd of people who want to see you succeed. There are tons of non-profits around the country that exist to offer grants to help fund someone who doesn’t have the protection of an insurance company.
Some rehab centers may have specific nonprofits they work with to provide financial aid and other forms of assistance with payment plans. Local community health centers may be able to direct your attention to the right organizations that can help with private pay options for alcohol and drug abuse treatment programs at Catalina.
6) Check with Your Employer
With the rise in substance use disorders, many companies are now offering some incentives to those who desire to seek treatment or to improve their mental health. They may cover some portion of an alcohol or drug addiction treatment program, counseling, or other types of support that can make you a more productive employee.
While this can be a sensitive subject to broach with an employer, don’t be afraid to inquire with your Human Resources department to see if they offer any financial assistance programs for mental health. This could be just the help you need to seek inpatient treatment.
7) Crowdfund Your Self-Pay Rehab Treatment
Another creative way to raise money needed for addiction and/or mental health treatment is to consider crowdfunding through platforms like GoFundMe. This allows your friends, family members, and even strangers interested in aiding addiction recovery efforts to chip in on the cost of your treatment, giving you the financial support you need to enter into accredited rehab centers like Catalina.
This is not a loan but a gift, ensuring that you have nothing to pay back upon graduation. If you have generous loved ones who would like to see you get help, this can be a way for them to engage with you and help you get to a healthier place in your life.
8) Look for Premium Tax Credits on Insurance Plans
Last but not least, you might want to look into the possibility of subsidized healthcare. The reason many people do not have insurance coverage for rehab is that they cannot afford the out-of-pocket monthly cost of their premiums. If you are a low-income individual, you might be better off pursuing subsidized health insurance rather than looking into private pay options.
The Affordable Care Act offers subsidized coverage for anyone who makes 138 percent of the federal poverty line. Even if you earn more than this, you may still qualify for healthcare credits that lower the out-of-pocket expense of insurance. It is worth visiting their website to determine what you may qualify for before seeking help at alcohol or drug rehab centers.
You could also see about qualifying for Medicaid, which does offer some coverage for addiction treatment. Catalina Behavioral Health does accept some forms of Medicaid to cover the cost of treatment.
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Self-Pay Options for Privacy and Confidentiality
Some people may opt for self-pay rehab options, even if they have comprehensive health insurance coverage benefits. This can be a good move if you are concerned with your private health information being shared with a third party like the biller or insurance company.
Keep in mind that your treatment is protected by HIPAA and your employer will not specifically know that you are in a rehab center unless you choose to disclose this to them. They also will not know the content of your therapy sessions or doctor’s notes on your progress.
However, they will see an aggregated list of claim information for all employees which will include your rehab stay when billed through insurance. If you are concerned that your employer will know and suspect you are the individual receiving treatment, you may prefer to self-pay.
Limiting the Cost of Treatment with Outpatient
Most of the time, medical detox services and inpatient rehab are going to be the most expensive forms of care for those who are interested in private pay for their addiction recovery. This is because you receive around-the-clock care and far more intensive services than you could receive via outpatient treatment. Everything you need for comprehensive and holistic care is provided.
If you find that these forms of treatment are cost-prohibitive, then you may want to consider doing only a short stint in our inpatient rehab. For example, you may undergo thirty days of treatment in inpatient and then segue into our outpatient program.
Both are great ways to enter into addiction treatment. Accessing addiction treatment might be far more affordable on an outpatient basis which can put your mind (and wallet) at ease.
Levels of Outpatient Rehab
When outpatient rehab suits your budget better than inpatient, you may want to consider what level of care you require. There are two primary types of outpatient treatment for those kickstarting sober living: partial hospitalization and intensive outpatient.
Partial hospitalization programs at Catalina allow you to spend a full day in our rehab center attending the same services you would have access to during an inpatient stay. The difference is that you return home to sleep at night. You will keep up with this pattern for five days each week.
Intensive outpatient or IOP is less restrictive and allows you to come and go between appointments. You may have fewer hours of therapy and support groups, allowing you to engage with your family and friends and even return to work. It meets the needs of those who no longer need around-the-clock care.
Up To 100% of Rehab Costs Covered By Insurance
Reach Out Now for Treatment Options at Catalina
If you don’t have an insurance provider, you may still have treatment options that you can afford. Allow our friendly admissions team to talk with you about the various ways to pay and how we can help you set up an affordable post-treatment repayment plan. We never want cost to be the reason someone cannot access our treatment services.
Give Catalina Behavioral Health a call today to learn more about how we can give you a private and convenient solution when it comes to paying for treatment!
References
- Substance Use and Mental Health Block Grants. SAMHSA.
- Subsidized Coverage – Glossary. Glossary | HealthCare.gov. (n.d.). https://www.healthcare.gov/glossary/subsidized-coverage/