Paying for Treatment
When an addict or alcoholic has finally expressed a willingness to seek help, there is often only a small window of opportunity before that willingness slips away. Addiction has a built-in defense mechanism called denial. There is a saying that “Alcoholism is the only disease that tries to convince you you don’t have it.” We have found this phrase to be true. When an individual has a moment of clarity and they admit they need help, it is critical to seize the moment. The motivation to get sober is elusive.
But what if you or your loved one doesn’t have the money to pay for treatment in that particular moment of clarity? The realization that you might not have the financial means to provide treatment can be devastating. But do not panic. There are many options for covering the cost of treatment, and we are here to help you devise a doable plan. Contact us today to discuss your options, or continue reading.
Paying for Treatment With Insurance
In 2021, The Plymouth House joined Guardian Recovery Network, a national leader in substance use disorder treatment. By joining Guardian, The Plymouth House was able to combine its expertise as a 12-Step retreat with Guardian’s world-class excellence in medical and clinical care. We have since expanded our medical and clinical staff to include primary care physicians. As a result, guests at The Plymouth House are now able to cover the cost of treatment with many major health insurance companies.
Health Insurance 101
If you are confused about insurance and how it covers addiction treatment, we understand! Health insurance benefits can be very confusing! We have put together some basic 101 on health insurance and how it works to pay for addiction treatment.
Types of Addiction Treatment Covered
Since the signing of the Affordable Care Act (ACA) in 2010, most insurance companies consider addiction recovery treatment to be an “essential” health benefit, which means addiction treatment is covered under most insurance plans. However, each health insurance carrier specifies what type of addiction treatment is covered.
There are several different types of treatment categories that insurance companies recognize. These include:
- Medical Detox
- Inpatient Residential Treatment
- Partial Hospitalization Programs (PHP)
- Intensive Outpatient Programs (IOP)
- Outpatient Programs (OP)
Which type of treatment your insurance policy covers is largely dependent on medically proving what level of care is necessary for you or your addicted loved one’s current situation. If your addiction is moderate or severe, your insurance company will most likely approve the highest levels of care, such as medical detox and inpatient residential. The Plymouth House primary care program has multiple phases, so is considered first a residential inpatient facility, and then a partial hospitalization program. Our extended care program is considered by insurance to be an intensive outpatient program.
At The Plymouth House, we conduct a thorough, over-the-phone assessment with potential guests to determine if we have the appropriate care. Then, we will do our best to advocate for you with your insurance company.
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Our Drug & Alcohol recovery services are second to none.
Learn how we can help by speaking with one of our Treatment Advisors today.
The Plymouth House is able to take both in-network and out-of-network policies.
- In-Network Plans – When The Plymouth House is listed as an “in-network” provider with your health insurance, this means The Plymouth House has partnered with your health insurance company to provide your insurance company the best possible rates. If The Plymouth House is in-network with your health insurance company, it is likely that you will pay very little, if any, out-of-pocket expenses for your stay with us.
- Out-Of-Network Plans – When The Plymouth House is “out-of-network” it does not mean your insurance won’t cover the cost of treatment. It means that you might need to pay your policy’s out-of-network services deductible. Once that deductible is met, the remaining balance of treatment may be covered by your health insurance policy. This is likely the case if you have a PPO plan.
The Plymouth House offers free, no obligation insurance benefit check. Contact us today and we can answer all your questions.
Our Drug & Alcohol Treatment Services Include
Self Pay or Private Pay
If you or your loved one does not have insurance, or is underinsured, then The Plymouth House will work with you to come up with a payment plan that suits your needs. Generally guests and their families may be able to obtain interest-free financing for one year, or low-interest, fixed-rate financing for two years through a third party lender. Speak with one of our Treatment Advisors about how to obtain information from these lenders.
Other Payment Options
If you do not desire to go on a payment plan with an outside lender, here are are some other options you could try:
Seek out a personal loan from a close friend or family member
Perhaps you have a close relative who has been advocating for your recovery for quite some time – someone who is financially stable and might be willing to provide you with a personal, interest-free loan. While it never hurts to ask, make absolutely sure that you are being sincere and that you are willing to do whatever it takes to get clean and sober. Also remember that your actions while in active addiction might make this option unrealistic. If you consistently stole money from your loved ones in order to support your habit (for example), you might have a more difficult time convincing them that this time you mean business. Take all of these factors into account before requesting financial aid from someone close to you.
Seek out a personal medical loan from your financial establishment
Your credit union, bank, or another financial establishment may be able to offer you a personal medical loan to help cover the cost of treatment. Financial companies offer financing options when it comes to medical necessities and addiction treatment is considered essential by all standards. You may also want to look into getting a credit card. Many credit card companies will offer deferred interest plans or low interest rates when it comes to essential medical expenses like medical detox and other recovery programs.
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Don’t Suffer Any Longer
The Real Value of Treatment
Addiction is a devastating and destructive disease; one that completely destroys the life of the addict and of his or her family. Although looking at the financial side of things might seem overwhelming at first there are many people available to help who understand that your health and happiness are the ultimate investment. Take into account how much active addiction actually costs you on a daily basis. Not only do you constantly need to fund your habit by forking over huge sums of money in order to obtain your drug of choice, but you miss out on a wide range of opportunities that you may not even be aware of having. You miss out on career advancements, on spending invaluable time with loved ones, or helping others. In active addiction you miss out on life. If you take addiction recovery seriously and become completely willing to do what it takes to get and stay sober you will never have to worry about living up to your full potential again. You will have an entirely new lease on life and you will be capable of anything. This is invaluable.
The Time is Now
There is no better time to seek care than right now. Addiction is a progressive disease and those who need treatment do not have time to waste. Contact us today — we will gladly walk you through all your options and help you determine if The Plymouth House is a good fit. We are available 24 hours a day.