The first step to fighting addiction is finding the proper rehab in your area. While Tennessee features a plethora of rehab centers and programs, it can be overwhelming to find the best option. Tulip Hill offers an extensive list of programs and services aimed at delivering the best results on an individualistic basis.
So once the right rehab center has been found, what are the options for how to pay for rehab?
There are plenty of options to pay for rehab and most centers and programs make a great effort to find the right option for each patient.
Paying for rehab is not as complex as it seems. And we are here to help.
Pay For Rehab in Tennessee With Insurance
The Affordable Care Act (ACA) has helped immensely in guiding Americans in substance abuse treatment. The act, originally passed to address the opioid abuse epidemic, requires insurers to provide more coverage and options for rehab and substance abuse treatments.
The ACA is focused on three primary goals:
- Make affordable health insurance available to more people. The law provides options to lower costs for low-income households.
- Expand the Medicaid program to cover all adults below a certain income. Most states have made this adjustment although not all have completed it.
- Support new and creative methods of providing medical care to lower the costs of healthcare.
Under the ACA, substance abuse is included as one of the ten essential health benefit elements. Therefore, most health insurance since 2014 includes services for substance abuse disorders. Insurance has come a long way in terms of substance abuse and the right option is out there.
Because of this, insurance is the simplest way to pay for rehab in Tennessee. If you have health insurance through yourself or an employer, rehab services may already be covered. If you meet the plan’s deductible, rehab may be cost-free out of pocket. Many insurance plans have built-in structures for substance abuse disorders.
The following types of insurance plans often cover substance abuse treatment:
- State health insurance
- Private insurance
- Military Insurance
Will I Have a Deductible?
Depending on your plan, you may need to meet a certain deductible before the services will be covered. Once this deductible is met, the out-of-pocket costs should be minimal or even none at all.
In addition, most plans even combine their deductibles with the rest of the services. This means that no matter which medical services you use throughout the year, the deductible will count toward substance abuse treatment as well. This helps insured clients as they do not need to meet a separate deductible in order to be covered for rehab.
How to Get Details About Your Coverage
The best way to find out the details of your plan and the specifics of the deductible is to contact your insurance carrier directly. From there, they should be able to answer any questions. Insurance carriers are also an excellent source to guide the entire process and remove all of the guesswork involved so you can find the right treatment at the right, minimal cost.
On top of that, you also have the option to reach out directly to a rehab center near you. The admissions team at rehab centers, like Tulip Hill, will be able to answer questions about pricing, insurance acceptance, and more. The admissions team will also be able to guide you to the correct place, if necessary, in order to find out more and feel certain about how to pay for rehab in Tennessee.
What If You Can’t Afford Rehab?
Whether or not your insurance covers rehab services, it is possible that you cannot fully afford the programs you need. This could be because the deductible has not been met, your health insurance does not cover the specific service needed, or perhaps, you do not have health insurance at the time of service.
But don’t worry, there are other options designed to help out anyone in need who is seeking assistance.
Most rehab centers offer financing options to help those seeking rehab without the ability to pay the full amount. These programs are put in place so that everyone can receive the proper rehab services when they need them. Financing can vary, but rehab centers do their best to work with clients to come to a solution that fits everyone’s needs.
For certain individuals that fit the criteria, many rehab centers also offer scholarship programs or grants. These can be a great way to get the help needed at little or no cost to the patient. Most scholarships and grants are used towards intensive inpatient and detox treatments. However, it is possible that a larger variety of services are included. Just don’t be afraid to ask.
State-Funded Insurance Options
Finally, there are a number of state-funded programs for those that still need assistance. State-funded programs are also a great option for those who qualify. To qualify for a state-funded program in Tennessee, you must:
- Have no financial means of obtaining the necessary services
- Have no other financial means of obtaining the services available through this program
- Not be enrolled in Tennessee’s Medicaid program, TennCare
- Not have any other third-party health benefits
- Have depleted your TennCare or other third-party alcohol and drug abuse treatment limit of benefits
- Meet the one hundred thirty-three percent federal poverty guidelines as set by the United States Department of Health and Human Services
For more information on these programs, visit the Adult Substance Abuse Treatment page on Tennessee’s government website.
Rehab Is Always Worth It
Wherever you fall on this guide, attending rehab for substance abuse treatment is always worth it. Don’t let questions about how to pay for rehab keep you from getting the proper help. There are plenty of options available to find one that meets your needs.
It is widely recognized that every dollar spent on recovery treatment is paid back with 12 times the results. In other words, rehab is well worth the price, if there is any. So whether or not you are fully able to afford it, finding the right rehab option and a cost that fits your situation is easier than you think.
The structured treatment and medical monitoring of a rehab center is the key to starting and following through with one’s recovery journey. And there are plenty of lessons and benefits from the proper rehab program.
Getting proper assistance from a rehab center can help you with the following:
- Detox safely
- Beat the addiction
- Understand the underlying issues and causes of your addiction
- Learn more about addiction including the causes, symptoms, treatments, and side effects so that you can be fully aware during and after treatment
- Develop a strong mindset to overcome challenges
- Gain an extensive peer support system that will be with you throughout and following your treatment
- Assimilate back into everyday life including your job, family relationships, day-to-day, and more
Find Affordable Rehab in Tennessee
Tulip Hill Recovery is here to guide you in every step of your substance abuse recovery. We’re here for those in several areas near Murfreesboro, like Lebanon and even nearby Kentucky cities. Whatever your circumstance or your background, we want to help you identify and overcome the challenges that have led to and come along with substance abuse, including how to pay for rehab.
Don’t let payment questions or concerns get in the way. Contact us today to learn more and take the all-important first step!