High quality treatment comes with an equivalent cost. Oftentimes, insurance will cover most of that, but what if it doesn’t? Even with insurance, deductibles on many policies are quite high or insurance says it will only cover just a short stay.
At Black Bear Lodge, we want to make sure that treatment meets your needs and that the options you choose are affordable for you and your family.
That’s why our admissions coordinators gather information in order to provide you with a free, confidential assessment. They do this so that they can gain context for your situation and find out what your specific needs are.
Did you know that if you lost a job that had insurance due to addiction, you can continue that coverage within a certain timeline, even if you stopped paying? Or that you can be eligible for Marketplace coverage if you’ve recently gotten out of jail, lost a job, gotten a divorce, or had other adverse life events as a result of addiction and mental health issues?
Our admissions coordinators will explore both financial and insurance options with you.
Here are just a few of the other things that influence treatment costs:
- The individual’s clinical diagnosis
- The recommended length of stay in treatment
- Whether the situation requires specialized services
- The individual’s insurance coverage or preferred payment options
Costs can vary because each person’s situation is different. Our admissions coordinators are trained to determine costs based on the information you provide us, so it’s important that you are as accurate as you can be. They can discuss all your options with you and find the solution that best fits your needs.
Here are a few ways that people commonly pay for treatment:
People often pay for a majority of treatment costs using their insurance benefits. Different policies cover different aspects of treatment, so it’s important to know what your policy does and does not cover.
You’ll often hear terms like PPO, HMO, in-network, out-of-network. The world of insurance is certainly confusing, but we’ll help you through it.
We have a specialized team that works with insurance companies on a day-to-day basis to determine coverage and ensure that patients get the coverage they are entitled to based on their policy. When you call us, we can verify your insurance benefits for free and explain what your policy covers.
If our treatment program does not meet your needs, we can refer you to another program that will fit your diagnosis and financial capability. We are dedicated to finding help for every person who calls us, even if we cannot place them with us.
Want to talk with one of our specialists about your coverage and options? You can call us right now at 706-914-2327.
Some individuals choose a private pay option for treatment, which means that they cover all treatment costs without the use of insurance. Private pay is a viable option for those who feel comfortable using their own resources and is sometimes preferred as there is then no insurance record of the treatment.
Treatment is always less expensive than the cost of addiction, which can take its toll financially, emotionally, physically, mentally and spiritually over an untold number of years. Just think of all the money spent over the years on various substances, legal fees, lost jobs or promotions, divorce, etc.
Investing in treatment is a very worthwhile endeavor that provides the foundation for a new life — and in the end, it saves time, money, energy and quality of life, making it well worth the expense.
Family and Friends
When insurance can’t cover all the costs, sometimes friends or family members can lend money to provide for an individual’s treatment. While loved ones may be exhausted emotionally or financially by this point, they may be interested in contributing to a person’s recovery instead of enabling his or her addiction.
This can be a positive sign of trust and belief in an individual’s recovery, and friends and family can feel good about participating in the wellness process instead of trying to continue to save that person from crisis after crisis.
Here at Black Bear Lodge, families are also part of the recovery process through our Family Program, so they get something out of the investment as well.
Counting the Cost
When you are counting the costs of treatment, remember that you are making a lifetime investment in life transformation and wellness.
Addiction and untreated mental health issues are not going to go away by themselves. Time, money and personal welfare are lost in their wake, and the costs only grow the longer the issues are untreated.
Your commitment to recovery will yield invaluable results. We want to help you find the treatment options that work for you, so call us today at 706-914-2327 to find out what option works best for you.