If you struggle with drug and alcohol abuse, you are not alone. According to the Substance Abuse and Mental Health Services Administration (SAMHSA), 48.5 million people suffered from addiction in 2023.[1]
The best way to recover from a substance use disorder is to attend a drug and alcohol rehab program. Unfortunately, many people avoid substance abuse treatment because they are worried they cannot afford it. That said, there are a few different ways to pay for addiction treatment in Florida.
You can pay for rehab using health insurance, savings, or personal loans. You can also look for an affordable program, choose one that offers payment plans, or look for a state-funded rehab center. In other words, there are a variety of tactics to use to make addiction treatment financially accessible.
In this article, you will learn:
- What are the different ways to pay for rehab in Florida?
- How can you pay for rehab using your health insurance?
- Are there other ways to pay for rehab if you don’t have insurance?
Paying for Rehab in Florida: Knowing Your Options
Sadly, addiction treatment can be expensive. This is especially true if you need inpatient care, as these programs provide housing, three meals per day, 24/7 care, and a variety of amenities.
Your options for paying for rehab in Florida include:
Health Insurance
Public and private insurance plans are required to cover addiction treatment thanks to the Affordable Care Act (ACA). If you have health insurance, you can use it to pay for a drug and alcohol rehab program. The easiest way to find a rehab in Florida that accepts your insurance is to call your provider and ask them for a list of in-network treatment facilities.
Once you have a list of the rehab centers that accept your insurance, you can begin researching each one to decide what program is right for you. While insurance coverage doesn’t always cover all of the cost of treatment, it usually covers a big chunk of the cost, making it possible for you to afford the care you need.
Self-Pay or Financing
If you do not have health insurance or still have a large balance to pay after your coverage has been added, you could choose to pay out of pocket. If you have savings put away or assets you can liquidate, it might be time to do so. Addiction is a serious condition and is worth every penny it costs to recover.
Additionally, you can choose to get a healthcare or personal loan to cover the cost of your addiction treatment program. While you will be expected to pay the money back over time, it allows you to access the help you need immediately.
Choosing an Affordable Program
The level of care you choose can affect the overall cost of your treatment. For example, inpatient treatment centers offer so many services and amenities that they tend to be extremely expensive. If you are self-paying for rehab, you might want to choose an outpatient program.
While outpatient programs are less intensive than residential ones, they still offer many of the same services. For example, you’ll receive individual therapy, group counseling, access to family therapy, and relapse prevention planning. In other words, outpatient treatment offers the tools and support you need to recover at a lower cost.
Payment Plans or State-Funded Programs
Lastly, some treatment centers receive funding from state and local grants. Because of these grants, they can offer treatment at a low cost or free to individuals who cannot afford it on their own. That said, the financial requirements can vary from state to state, making it important that you do your research to determine what financial obligations you’ll be looking at.
You might be able to receive government assistance for the following levels of care:
- Detox centers
- Inpatient rehab and residential treatment
- Outpatient programs
- Sober living homes
If you meet certain financial requirements, you might be able to receive a scholarship to attend a rehab center. It is also possible to find a program that offers payment options like sliding scale fees, where you are only responsible for paying what you can afford based on your income.
Get Connected to Affordable Addiction Treatment in Florida
If you or a loved one suffers from a substance use disorder, it’s time to seek professional help. Long-term drug and alcohol addiction can lead to a variety of physical and mental health risks, including life-threatening emergencies like overdoses. Thankfully, addiction treatment centers in Florida can provide you with the tools and support you need to recover and avoid these risks.
At Palm City Wellness, we offer an individualized and evidence-based approach to addiction recovery. Even further, we accept a wide range of insurance plans, ensuring our clients have access to the care they need at a price they can afford.
Contact us today for more information on how to pay for rehab in Florida.
References:
- The Substance Abuse and Mental Health Services Administration (SAMHSA): Highlights for the 2023 National Survey on Drug Use and Health