Does Insurance Cover Drug Rehab in Indiana?

If you are struggling with addiction and considering rehab in Indiana, you likely have many questions and worries about many things, including the costs involved and what your insurance will cover. This fear is probably one of the reasons that nearly 90% of people with substance abuse disorders don’t get treatment. However, learning the facts about rehab costs and insurance should help to ease your mind.

How Much Does Rehab Cost?

The costs of rehab depend on many factors, including whether you’re going to inpatient or outpatient rehab. Outpatient rehab that lasts 3 months may cost between $5,000 to $10,000. A 30 day inpatient rehab may cost anywhere from $10,000 to $25,000. Ideally, treatment should consist of an inpatient stay followed by outpatient treatment. Research shows that the longer you attend rehab, the greater your chances of success.

Does Insurance Cover Rehab?

The good news is that most insurance covers rehab, whether you’re in Indiana or not, because addiction is a mental health disorder. Certain laws, including the Mental Health Parity and Addiction Equity Act and the Affordable Care Act, impose certain requirements on insurance companies to cover mental health and addiction treatment services.

If you have private insurance, it should cover at least part of your treatment. Medicaid and Medicare often cover most or all treatment expenses. You need to check with your insurance provider to get the specifics of what is covered under your plan.

What if I Don’t Have Insurance?

If you don’t have insurance, you still have options. Some free treatment programs exist for those who qualify, although they often have long waiting lists. Many treatment facilities, though, offer financing options for their treatment programs so that you can make payments over time. Some facilities even provide grants and scholarships to cover services for people who qualify.

You can call the SAMHSA helpline, which is a free service, to find a treatment facility in Indiana that can meet your needs.

The Cost of Addiction

If you’re still concerned about the potential costs of rehab, consider the costs of your addiction.

First of all, you’re no doubt spending a small fortune on your drug of choice. Add up what you normally pay per week for drugs or alcohol, and then multiple that by 52 weeks. For example, if you spend $15 a day on beer, that’s more than $100 per week and $5,000 per year. If your drug of choice is heroin, you’re likely spending at least twice that amount.

Second, depending on the nature and severity of your addiction, you may not be working. If you didn’t have your addiction, you could have a job and be making money, so part of the cost of your addiction is lost income.

Many people struggling with addiction also have legal ramifications that can be costly. Drug possession charges and DUIs come with fines, court costs, and other legal fees.

You may also have experienced health issues caused by your substance use, which may have resulted in medical expenses.

But costs aside, what else have you lost to your addiction? It has probably affected your relationships, your life goals, and your quality of life in general. What would you pay to have your life back?

Benefits of Rehab

Rehab takes time and can come with a price, but you’ll find that the benefits far outweigh the costs.

1.   Build a Support System

When you go to rehab, you’ll be surrounded by professionals who are there to support you, both medically and emotionally. You’ll have both mental health and health providers who are experienced in providing the care that you need. Even after treatment, the treatment center will be there to provide you with ongoing resources and support.

Additionally, in treatment, you’ll be able to interact with peers who are sharing similar challenges and experiences. In rehab, you’ll be surprised at the mutually supportive relationships you’ll form with these people. Everyone will be cheering each other on. Some of these relationships may continue after rehab and become lifelong friendships. They will be invaluable parts of your support system, which is a necessity for success in recovery.

2.   Improved Mental Health

Substance use disorders are mental health disorders, but many people with addiction have co-occurring disorders, which means other mental health disorders, like anxiety or depression, that they struggle with at the same time. In rehab, you’ll receive treatment for both, which can put you on a path to better overall mental well-being. You’ll learn to cope with life’s challenges in healthy ways, become more self-aware, and understand that your addiction does not make you defective or less of a person.

3.   Improved Physical Health

As the drugs or alcohol leave your system, you’ll likely experience withdrawal symptoms, but  you’ll have support people there to keep you comfortable and safe. After the withdrawal period, though you’ll start to feel better physically. You’ll be eating regular meals, following a sleep schedule, and your body will be starting to heal itself.

4.   Develop Healthy Habits and Life Skills

In rehab, much of your time will be spent in therapy of some kind, but you’ll have some free time to fill. This gives you the opportunity to develop healthy habits to replace your old bad habits. Some people turn to journaling or art of some kind, while others find it enjoyable to spend their time helping peers. In any case, you might find a new purpose, meaning something that drives you and gives you joy.

Additionally, you’ll learn life skills to help you face challenges, handle your emotions, and solve problems. Some programs even offer life skills classes or job-readiness programs. In any case, you’ll be better prepared to transition back to real life.

5.   Improved Relationships

When you take care of yourself and grow as a person, you’re better able to be there for others. After treatment, you’ll be more prepared to heal your damaged relationships and reconnect with people that you love. You’ll need these people in your life to support you in recovery.

In Closing

If you’re ready to face your addiction in rehab, you can overcome any obstacle, including costs, to get the treatment that you need. Insurance will likely cover at least some of the cost, and there are other ways to handle the financial aspects of getting the treatment you need.

Bridges of Hope in Indiana is here to help. We are committed to providing you with comprehensive, compassionate, and individualized care. Give us a call to learn about your options.