Affording an addiction treatment program can be overwhelming. When a woman decides to seek treatment, one of the first questions she may have is, “How will I pay for it?” The cost can be a deterrent for those who need treatment, but it doesn’t need to be. Prices can vary widely depending on the level of care the individual needs. Residential treatment programs provide the highest level of care and so are often the most costly. Outpatient treatment programs can cost less but may not provide the support needed for long-term recovery.
Even if you have health insurance, there are many options available to help ensure you can afford treatment and recovery. Crossroads Maine is in-network with most major insurances to cover the cost of treatment. We also accept self-pay and offer a competitive rate. Additionally, through the compassionate generosity of past patients and their loved ones, a limited amount of financial assistance is available to those who meet the financial needs assessment criteria. At Crossroads Maine, our caring and compassionate treatment team can help you make financial decisions about treatment for you or your loved one. To learn more about our addiction treatment programs, please contact our team today at 877.978.1667.
The Cost of Addiction Treatment
While we don’t have a magic wand, we can help you or your loved one navigate the complicated world of insurance coverage. We’ll also help you understand the fine print of what’s covered and what’s not. As a result, you can come up with a plan for financing your treatment. Most private health plans cover a portion of substance abuse treatment, and some plans may cover it entirely. For more information about your carrier’s benefit coverage for residential treatment, let our team handle the verification process. We’re happy to make calls on your behalf and find out if we are in your provider network. We can also help determine how many days and what services your specific plan covers.
In-Network Versus Out-of-Network Insurance
When an addiction treatment program is in-network, it means they have a legal contract with the insurance company. This contract details an agreed-upon rate for each level of care, such as residential services. In addition, in-network contracts have specific criteria the organizations need to meet to maintain coverage. Alternatively, out-of-network benefits mean the organization does not have an agreement with the insurance company. This often means they set their own rate for billing the insurance company. Out-of-network coverage typically results in clients receiving a hefty bill for the remainder of treatment that insurance didn’t cover due to the center’s high cost. Clients may have more significant out-of-pocket deductibles and copays with out-of-network plans. Crossroads is in-network for residential services with most major health insurance plans.
Benefit Verification Checks vs. Insurance Authorization
Before entering treatment, your first step is to reach out to our team. Once we’ve completed a clinical assessment and determined if you meet the criteria for this level of care, a member of our team will contact the insurance company to verify your insurance and obtain insurance authorization. This step is necessary to admit you to the program. Insurance authorization gives the treatment center authorization to accept you and bill the insurance company for the days you are in treatment. Often insurance re-authorizations will take place weekly during your stay.
Contact Crossroads Maine to Learn More
Ultimately, paying for an addiction treatment program is feasible through insurance and additional payment methods. Therefore, once you’re ready for treatment, you simply have to reach out to Crossroads Maine to discuss the best way to finance your road to recovery. To learn more about financial assistance, call our admissions team at 877.978.1667 or click here to verify insurance.