Once you’ve taken the first step and sought help for substance use disorder or alcohol use disorder, it can be daunting to consider the cost of your treatment. Yet your health should come first and your recovery shouldn’t be held back by concerns about the cost of treatment. There are several ways to make treatment for substance use disorder or alcohol use disorder more affordable for everyone, no matter whether you have insurance, a limited income, or no coverage at all.
SBIRT is here to help you find the right treatment center near you as well as to keep you connected with the care that fits your needs and your budget right here in Mississippi. With a few tips and techniques from the experts in recovery, you can have the treatment you deserve and work toward a brighter future.
Insurance for Substance Use and Alcohol Use Disorder Treatment Near Me
One of the best methods of receiving the quality treatment you deserve is to utilize your health insurance. You may have insurance through an employer, a private plan, Medicare, or Medicaid. If so, your plan likely covers at least some part if not all of treatment. The reason is that under the Affordable Care Act, SUD and AUD are recognized as chronic health conditions so plans must cover services and treatment and cannot deny you coverage regardless of whether or not this was a pre-existing condition. Private insurance, Medicare, and Medicaid will often cover aspects of treatment, if not the entire program. Many of these insurance plans cover outpatient counseling, IOP‘s, detox facilities, and in some cases even residential treatment. It’s important to find out what your contribution is through your plan. You may have a co-pay or a deductible that you would have to pay out-of-pocket. Check out the details of your specific plan or contact your ensure to determine exactly what you can expect for your coverage.
Many of the treatment centers that SBIRT will refer you to can help verify your insurance. That way you know exactly what to expect and what out-of-pocket cost you will be responsible for before you begin treatment.
One other consideration, if you have insurance, is to evaluate if you have a health savings account (HSA) or flexible spending account. These accounts are tax-free, so you reduce the cost of treatment by using your HSA or FSA.
SUD and AUD Treatment Near Me Without Insurance
The truth of the matter is that many Mississippians do not have health insurance coverage. That doesn’t mean that you can’t find the treatment you need without breaking the bank. The good news is that there are multiple programs that can help reduce or eliminate your out-of-pocket costs if you do not have insurance.
State and local funding is available for you if you are seeking treatment for addiction. The Mississippi Department of Mental Health has a wide range of community clinics that are offered for free or at a significantly reduced cost with state funding for substance use disorder and alcohol use disorder. These include prevention programs, outpatient care, residential services, and recovery support. Oftentimes, local treatment centers have been provided with state or county funds that help them to provide services to you at a reduced, free, or sliding scale rate.
Cost-Effective AUD and SUD Treatment Centers Near Me
Another option is to explore the treatment centers near you that SBIRT suggests. Many treatment centers have sliding scales based on your income. There are also a wide range of nonprofit and government supported programs for addiction that can help you receive the care you need in a more affordable way. Many treatment centers offer payment plans so that you can spread the cost of treatment out overtime rather than paying in a lump sum upfront. This makes it possible to receive treatment while also paying the bills that you need on a daily basis.
If none of these methods are available to you, don’t give up! There are still ways to bridge the cost gap between the treatment you deserve and your financial status. There are grants and scholarships available through some nonprofit organizations and larger treatment programs. If you can show your financial need, you may be eligible to help cover treatment costs through these programs. You may also consider employer assistance. Some employers offer these programs to help, referrals, and even treatment costs. Similarly, you can see fundraising and crowd funding on your own. Individuals use platforms like Go Fund Me and similar programs to connect with the community to raise money for treatment.
Don’t let the cost of treatment stop you from recovery. You have the rest of your life to consider, and you are worth it!