Whether we like it or not, money plays a big role in the treatment facility we choose for ourselves or our loved ones. You always want to make sure that you are getting what you pay for. However, while you may not want to spend too much money, you want to pick a facility you feel the most comfortable in. There are three different styles of treatment centers: hospital-style, home-style and detox centers.
Styles of Treatment Centers
Hospital-style treatment centers are more or less as they sound. The rooms have more of a dormitory approach. Clients will receive group therapy more than anything else, and tend to have a larger client to staff ratio. These facilities are more limited in comparison as far as modalities and programs go, and focus primarily on the physical addiction above all else. The costs of a hospital-style facility can range from $5,000 to $15,000, and have an approximate success rate of 20%.
Home-style treatment centers tend to offer a more relaxing and comfortable atmosphere for their clients. One-on-one treatment and individual therapy is more prevalent in these facilities. The client and staff ratio is smaller compared to other style facilities. The focus is based upon each individual client and treating the whole person, including mind, body and spirit. These facilities still use traditional modalities such as 12-step programs, while also integrating holistic modalities as well. These facilities provide stronger health education and thorough aftercare planning for when the client leaves treatment. Costs of home-style inpatient facilities can range from $20,000 to $50,000. While this is a lot more steep in price comparison to others, the success rate is much greater (approximately 50-60% depending on the facility).
Detox-only facilities are going to have the most limitations when it comes to addiction treatment. Many facilities are very limited in their offerings as far as actual inpatient and outpatient detoxification. During detox, clients will be medically supervised by staff on a regular basis. Depending on the facility, it is possible that medications will be used to taper the clients off of the substance of choice. The biggest downfall for many addicts would be the lack of therapy and mental health care. The general cost of detox-only facilities can range from $300 to $900 daily, with an approximate 2% success rate.
So, how am I going to pay for this?
It is obvious that there is no cheap option to quality treatment; however many treatment facilities do accept insurance and will work with you on pricing and payments. If you do not have insurance or your insurance is not accepted by the facility of your choice then you may have to pay out-of-pocket. While this can cost a lot depending on the facility, it will be well worth it to begin a sober life.
State insurance, or Medicaid/Medical Assistance, is increasingly becoming the insurance option for a large number of people in Maryland. If you need help paying for your own or your family’s medical bills, you should find out for sure about eligibility by filing an application at your Local Department of Social Services. Unfortunately, Medicaid only covers outpatient and detoxification services. There is currently no coverage under state insurance for inpatient treatment, so if you go to a residential treatment facility, you will typically end up paying out-of-pocket for room and board. However, there are a number of treatment facilities in the DMV that do accept this form of insurance- just be prepared to cover some costs if you want a higher level of treatment.
Private insurance companies, such as Aetna, Blue Cross/Blue Shield, or Cigna, typically offer a much broader range of addictions treatment services than state insurance. Each insurance company and plan are different, but many will cover at least one month of inpatient substance abuse treatment, with no out-of-pocket costs for the client.
Some treatment facilities offer financing plans, either through their billing department or by using a third-party financing company. Essentially, you will agree to pay your treatment bill over a longer period of time instead of right away. The benefit to financing is that you have longer to pay your bill; however, this usually comes with added interest that will increase your overall payment.
Private pay is the most direct way to pay for your (or a loved one’s) stay in treatment, and usually ends up being the most affordable if you are not covered by insurance. Basically, you pay upfront, out-of-pocket, and typically at a significantly reduced rate. The majority of treatment facilities in the DMV allow for private pay, although each varies in terms of rate reduction.
Want to know more?
For more information, fill out the form here to have a copy of our Inpatient Rehab Cost Guide emailed to you. You can also contact us at1-800-203-2024 at any time with questions about paying for treatment.