How to Pay for Addiction Treatment in South Carolina
The cost of rehab is a major concern among most individuals who are seeking addiction treatment. Regardless of their background and drug abuse, most people come to rehab in a pretty bad financial situation. Many people have spent all of their money on drugs or alcohol, are in debt due to unpaid bills or loans, or are unable to hold down a steady job due to their addiction. However, if these individuals want to get back on track, they must get sober, which means they must get treatment.
Unfortunately, addiction treatment isn’t free, but it is covered by health insurance. If you don’t have health insurance, there are other ways you can pay for the treatment you need. Let’s explore the various options you have when it comes to figuring out how to pay for rehab in South Carolina.
Paying for Rehab With Private Health Insurance
The easiest way to pay for treatment is to use health insurance. You may purchase health insurance through your employer or through a private company. The Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA) require public and private health plans to cover substance abuse treatment. They also mandate that your insurer must provide the same comprehensive coverage to mental and behavioral health as they would with any other medical treatment.
As a result, no matter which insurance plan you have, you are guaranteed some coverage for treatment. The exact amount your insurance plan will cover depends on your plan’s benefits, your deductible, and your copay. You can find an in-network treatment provider by calling the number on the back of your insurance card or searching for a rehab center that is in-network with your insurance.
Paying for Rehab With Medicaid or Medicare
Although Medicaid and Medicare are considered government insurance, they are still required to provide coverage for addiction treatment thanks to the Affordable Care Act (ACA). Medicaid and Medicare usually cover most of the costs associated with rehab, but the exact amounts will be determined by your income and your specific insurance plan.
Not all addiction treatment centers in South Carolina accept Medicaid and Medicare, so be sure to verify your insurance before enrolling in a program. You will get more coverage from your insurance if you select a treatment provider that is in-network with your plan.
Other Ways to Pay for Rehab in South Carolina
While using health insurance is the easiest way to pay for rehab, not everyone has health insurance. Fortunately, there are other ways you can cover the costs of rehab and get the help you need, such as:
Treatment is expensive, but not as expensive as your addiction. Consider using a credit card, applying for Care Credit, or dipping into your savings account to cover your treatment. This will save you money in the long run, and it could very well save your life.
Some addiction treatment centers in South Carolina offer sliding-scale payment plans to self-pay patients. This type of payment is based on your income, making rehab even more affordable.
If you can’t pay the full lump sum of your treatment costs at once, you can ask the treatment center about financing. Some rehab centers in South Carolina will help you come up with a payment plan that allows you to pay a small amount to the rehab center every month. This can lessen the burden of paying for treatment by spreading your payments out over time.
Fundraising and crowdsourcing are great ways to raise money for rehab. Your friends and family will probably be happy to hear that you are getting help, and many will go to any lengths to help you get better. Consider setting up an online fundraiser and asking friends and family to contribute. If they are skeptical about donating cash, consider asking them to make a donation directly to the rehab center on behalf of your bill.
Grants and Scholarships
SAMHSA offers a limited number of grants and scholarships to help pay for people to go to rehab. You must qualify and apply for these, but if you get them, you don’t have to pay them back. In some cases, if you are lucky, you may even be granted a scholarship from the rehab center you are interested in.
Start Your Recovery Journey With South Carolina Addiction Treatment
The cost of rehab should never hold you back from getting the help that you deserve. Here at South Carolina Addiction Treatment, we believe that everyone, regardless of their income or financial situation, has a right to evidence-based care and a life of recovery. Our admissions coordinators can help you verify your insurance and come up with a plan of how to pay for your rehab program. Don’t wait any longer. Call now to get started.
Medically Reviewed: September 25, 2019
All of the information on this page has been reviewed and verified by a certified addiction professional.