How Can You Pay for Treatment?

The cost of medical and standard treatment is continuously on the rise. Most public drug rehabs, funded by provincial health insurance, will have a waitlist. The wait time extends into weeks and, in some cases, months. As such, very few can’t hold off on treatment because of the nature of addiction. So, how can you pay for treatment?

There is the possibility of getting the service through your insurance coverage. You could also get it from your employer’s insurance if they cover this type of treatment. Many companies’ Health Plans cover substance abuse treatment. The result could be instant access to professional addiction treatment programs.

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Can insurance coverage pay for treatment?

As mentioned above, some insurance companies cover addiction treatment programs. However, this occurs when the health care provider, the rehab centre, accepts it, and your insurance plan covers it.

It can be a partial payment of services or, in many cases, the entire fee for treatment. They can offer financial aid to families for the various steps and services for substance abuse treatment. However, it always depends on the facility and insurance coverage plan.

Insurance companies will sometimes cover treatment fees, depending on certain criteria. 

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Insurance companies will sometimes cover addiction treatment, provided they fulfill their criteria. 

Life skills are an important part of addiction treatment. What are life skills?

How does the insurance provider pay for this?

Insurance companies will pay for addiction treatment, provided they fulfill their criteria. In contrast, others pay a percentage of the total cost. Some insurance companies often have their approved list of accredited treatment facilities they will support.

Also, these will most often be within the client’s existing location. Usually, in such a case, the insurance company would most likely cover full payment. The insurance company pays the facility when the person completes the treatment.

Often, the client pays for the program upfront and gets reimbursed by the insurance company upon completion.

Choosing the right rehab is important. Here are some questions to help you select the right treatment program. 

Find out about the treatment approaches and rehab types available in Canada.

Choosing the right rehab is important. Here are some questions to help you select the right treatment program. 

Find out about the treatment approaches and rehab types available in Canada.

What makes insurance coverage so vital?

Adding a price tag on a drug-free lifestyle may seem cold-hearted at first glance. The fact is that treatment costs money, whether paid through public taxes or out-of-pocket.

For many families, a treatment program’s cost can be above personal income, making it challenging to finance.

For example, reputable residential drug rehab facilities may cost several thousand dollars per thirty-day stay. However, even with their recognized reputation and positive outcomes, this expense might remain unattainable to individuals facing financial constraints.

Insurance paper and claims.

Solution for Funding

Insurance, in some cases, is a solution for some people. This avenue makes treatment a reality and makes overcoming any financial hardship possible. But one should be well informed before making any commitments.

Be sure to ask all questions so you can have peace of mind. Finally, do not let any answer discourage you from seeking actual treatment. Never forget that an addicted person is, first and foremost, a person with the right to live a happy drug-free life.

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About Treatment

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Picture of Marc J. Bernard

Marc J. Bernard

Author,
Substance Use Disorder & Recovery Professional,
Referral & Consultation Counsellor

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