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Paying for Rehab Treatment

Treatment for substance use disorders can be life-changing. It’s an investment in your future.

The cost of rehab depends on the level of care you need and the amenities a facility provides. Evidence-based residential inpatient treatment programs are highly recommended for people with moderate or severe substance use disorders and co-occurring mental health issues, such as anxiety or depression.

Residential programs provide the highest level of care, with 24/7 supervision and medical oversight. But not everyone needs such intensive treatment. Outpatient programs might be a better option for people with milder addictions who need to live at home or meet outside responsibilities.

Lumina Recovery provides evidence-based addiction treatment in Los Angeles and locations throughout Southern California. We’re committed to helping you get the care you need. Our team will work closely with you to find payment solutions that work with your budget.

Read on to learn about the different options for rehab payment and financing. We answer common questions, including how to pay for rehab without insurance.

How to Pay for Rehab

Lumina Recovery offers several ways to pay for treatment. Our staff will help you understand all the possibilities, which may include:

  • Private/group/marketplace insurance
  • Private financing

Private/Group/Marketplace Insurance

Does insurance pay for rehab? It’s a common question.

Under the Affordable Care Act (ACA), all plans sold through the health insurance exchanges (such as Covered California) must cover mental health disorders, substance use disorders, and treatment for alcohol and chemical dependency.

Additionally, federal law states that if a plan offers coverage for mental health and substance use disorder treatment, it must cover these services in the same way as it covers most medical and surgical services. This is called “parity.”

California law offers additional protections by requiring every California plan—regardless of where you obtained it—to cover certain mental health conditions.

While most individual and employer-based group insurance plans today provide some coverage for mental health and substance abuse treatment, not all do. It’s important to verify your benefits by calling your insurance company.

We know it can be confusing to navigate insurance benefits. Our staff will help you make sense of your plan and get the maximum amount of coverage you are entitled to. 
Note: Even if you have insurance, this does not guarantee that Lumina Recovery accepts your specific plan. Contact our team to find out.

Private Financing

The most common rehab private pay option for people without insurance is using a credit card to pay for treatment.

There are health and wellness credit cards that offer special rates and financing options to help you pay for medical expenses. You may even be eligible for a 0% balance transfer offer, which would exempt you from paying any interest on the outstanding balance.

However, it’s important to understand the limitations around using credit cards for medical expenses. For instance, the credit limit on your card may not be sufficient to cover the entire cost of your treatment, leaving you with an outstanding balance.

This could pose challenges when it comes to managing monthly payments, especially if the interest rates on your credit card are relatively high. Carefully assess your financial situation and explore all available options before committing to this method of payment.

How to Pay for Rehab Without Insurance

If you have a limited budget, it may seem impossible to pay for rehab without insurance, but there are more options than you may realize.

Using a credit card to pay for treatment is one option, as discussed above. If you don’t have insurance through work or are not employed, you may qualify for a health plan through the healthcare marketplace.

These plans are required by law to cover treatment for mental health issues and substance use disorder conditions. If you choose a plan that Lumina Recovery accepts, your insurance plan may cover a considerable portion of your treatment costs. Reach out to our helpful administrative team to learn more.

Another option is asking for support from a trusted family member or friend. Substance use issues often cause rifts between family members, but parents especially are often eager to help their child in any way possible. You might be surprised by your loved one’s response when you ask for help.

The team at Lumina Recovery is here to support you in getting the help you need. Get in touch with us today to find out about paying for rehab treatment.