No Insurance? Rehab Options Are Still Within Your Reach
We’ve all heard about movie stars and other celebrities jetting off to spend a few weeks in rehab at some posh facility that looks like a country club. The trouble with this is that it paints a false picture of rehab and related costs for most people. Just because you don’t have a lot of money or health insurance, doesn’t mean drug rehab isn’t within your reach. Medicaid may be the solution.
Medicaid is a state and federally funded program designed to help low-income people with little or no insurance pay for the health care they need. You do have to meet certain requirements and group criteria that vary from state to state in order to qualify for Medicaid. Although it does cover mental-health, Medicaid doesn’t always cover all aspects of addiction treatment.
Still, many people aren’t even aware that they qualify for Medicaid or whether their chosen treatment facility accepts Medicaid, so it’s a good idea to make some calls to find out. You don’t want to let your lack of insurance rob you of the treatment you need.
Medicaid Coverage for No Insurance Rehab
Medicaid may cover both inpatient and outpatient addiction treatment. One thing to keep in mind is that when addiction treatment involves medical or mental-health care, it is more likely to be covered by Medicaid.
For example, if a physician or other accredited addiction professional determines that inpatient treatment is medically necessary, then Medicaid will cover it. The detox component of rehab often requires medical supervision, especially if the patient displays signs of psychosis or exhibits suicidal impulses, so Medicaid will usually cover such treatment.
Because outpatient treatment usually includes elements of mental-health therapy, Medicaid coverage is generally a safe bet here as well. Again, although Medicaid coverage varies from state to state, with outpatient treatment Medicaid generally covers addiction treatment much the same as it covers mental-health treatment.
Steps to Take for No Insurance Rehab
- Not all addiction-treatment centers accept Medicaid, which sometimes presents difficulties for people seeking treatment. If you are covered by Medicaid and seeking help for an addiction, here are some steps you should take to secure the treatment you need:
- Contact the local Medicaid office and talk to a caseworker. The caseworker should be able to suggest some treatment facilities and advise you about treatment options that fall within your coverage limits.
- Contact your county’s mental health board for information about facilities, treatment, and Medicaid coverage. The personnel are usually fairly knowledgeable in these areas.
- Contact the various treatment centers you’re interested in and simply ask them whether they accept Medicaid and for which treatment options.
- If you locate a treatment center that meets you needs, be sure to find out how much of your treatment Medicaid covers and whether you will be required to make a co-pay.
If you’ve decided that you need professional help for drug or alcohol abuse, don’t let your lack of insurance stop you. Contact us today for free information about Medicaid and drug rehab options.