The cost of addiction could be more expensive than your treatment. Fiding treatment can look financially impossible, but if you have insurance there are affordable options. If you are concerned about the price of New Hampshire drug rehab look no further.
The cost of rehab can be a big deterrent for people seeking treatment. Your insurance can cover most costs of your treatment easing the burden of seeking out help.
Looking to see if your insurance will cover drug rehab in New Hampshire? Read this educational article that will tell you what your insurance covers and the steps you can take today to find affordable rehab in NH.
Cost of Drug Rehab in New Hampshire
The cost of inpatient is more expensive than the cost of outpatient. Because inpatient requires you to stay at the facility the cost can be much more expensive than outpatient. Outpatient or Partial Hospitalization programs are cheaper options for drug rehab in NH.
The cost also depends on the amenities the rehab facility offers. If they are luxury facilities they could cost more due to amenities not covered by insurance. Celebrity rehabs that are in premium locations can cost up to $80,000 a month.
The range of prices for rehabs in New Hampshire is $3,000-$20,000. For outpatient it’s around $3,000-$10,000 for 90 days. For inpatient it’s $5,000-$20,000 for 30 days.
Types of Insurance
Alcohol rehab centers in New Hampshire are treating a medical disease so insurance can cover New Hampshire rehab. Most insurance plans will cover most costs, of course, it depends on your insurance carrier.
If you have an insurance plan with a deductible the provider is responsible for covering medicinal expenses until a certain amount. After that amount, you will have to pay out of pocket for your treatment.
With coinsurance, a provider covers a percentage of the costs of services after your deductible. A co-pay is the set amount you are responsible for even if you have met your deductible.
There is also an “out of pocket maximum” which is the max amount of money you’ll have to pay before your provider will cover all costs related to your care. Next, we will go into what your insurance will cover at rehab centers in New Hampshire.
What Insurance Covers
Most insurances cover a range of services at rehab centers in NH:
- Detox: covered when it’s necessary for recovery
- Outpatient treatment like an IOP or typical outpatient after inpatient treatment
- Inpatient Rehab: covered in part by your insurance, but, the number of days could be set by your provider
- Medication prescribed during detox: covered in part by insurance
Insurance does not cover aspects deemed not medically necessary for your recovery. These can include activities and amenities provided by the facility that helps patients with comfort or relaxation but aren’t considered a medical necessity
Option if You Don’t Have Addiction Coverage
Your employer could have a policy put in place to offer coverage. Some employers are willing to help pay or give you an extended leave, so you won’t risk losing your job.
Another option is talking to the treatment center. Treatment centers will talk to insurance providers to help see what your insurance covers as well as offer payment plans to help break down costs.
Ask Personal Questions Today
Are you still not sure what your individual insurance plan covers or you know you don’t have additional coverage and want help?
You can talk to a representative at a New Hampshire drug rehab today and get answers to your specific question. Staff at a rehab like Progress recovery center can talk to your insurance provider to make sure you get all that your insurance will cover at a drug rehab in New Hampshire.
The steps to recovery can be overwhelming, don’t let your financial situation be added stress. Check out these articles to learn more and ease your worries.