Almost every addicted individual believes at the outset stopping using drugs without help is easy and most people try to quit without seeking treatment. Although some people are successful, many attempts result in failure to achieve permanent abstinence. Research suggests that long term drug abuse results in changes in the brain that last long after a person stops using drugs. These changes in brain function from drugs can have many behavioral consequences, including an inability to exert control over the impulse to use drugs, despite adverse consequences the defining characteristic of addiction. Understanding that addiction has a fundamental biological component may help explain the difficulty of achieving and maintaining abstinence without treatment. Psychological stress from work, family problems, psychiatric illness, pain associated with medical problems, social cues or environmental cues like encountering streets, objects or even smells associated with drug abuse, can trigger intense cravings without the individual being consciously aware of the triggering event. Any one of these factors can hinder attainment of sustained abstinence and make relapse more likely. Nevertheless, research indicates that active participation in treatment is an essential component for good outcomes and can benefit even the most severely addicted individuals.

Overloaded Physicians

All of the professionals in our healthcare system struggle under the crushing weight of cost control measures imposed by insurers and medical institutions, which force doctors to minimize the time they spend assessing, treating, and discussing options with patients and their families. Protecting a family in an overtaxed healthcare system requires expertise. The statistics on medical errors, while often quoted, are still disturbing. In the United States, over 70,000 people die every year because of preventable medical errors that occur in hospitals. That means these avoidable mistakes kill more people than breast cancer or traffic accidents, making medical errors the eighth leading cause of death in the country. The report found that these errors were not the result of individual recklessness on the part of caregivers, but basic flaws in the organization of the American healthcare system. The treatment of over 50% of patients with diabetes, hypertension, tobacco addiction, hyperlipidemia, congestive heart failure, asthma, depression, and other chronic illness is inadequate. Due to cost constraints and resource limitations, doctors are not able to spend adequate time with their patients and do not necessarily have access to information on all available forms of treatment. In addition, when patients see more than one doctor, their care, medical records, and medications are rarely effectively coordinated. The burden of managing treatment most often falls on the shoulders of the patient and family who are already overwhelmed by having to deal with a serious illness. The average office visit is 10 minutes and physicians may be seeing as many as 40 patients a day. In addition, there are long waits for rushed appointments, the confusion about what types of care are available and best suit the needs, and the stress of navigating the U.S. healthcare system. When dealing with a serious medical situation, it is only natural to be overwhelmed. People tend to be confused about their options and too distracted or upset to ask the important questions. IPA Health provides private health management services.

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Paying for Drug Treatment

Finding ways to pay for treatment to recover from dependence on alcohol or drugs takes some research. Addiction treatment can be quite costly and the wrong program can be ineffective. The severity and duration of the substance a person abuses and the type of treatment the person requires all contribute to the costs.
Some treatment for drug and alcohol dependence costs more than others. Residential treatment is more expensive than outpatient treatment. The location of the facility, amenities offered and staffing also influence treatment costs. Chronic alcoholism or drug abuse may require longer-term treatment and that can become very costly depending on the treatment facility.

Private Insurance

The most commonly used payment for drug and alcohol treatment is through private insurance. The insurance coverage may pay for some or a great portion of the drug and alcohol treatment program. The websites of some addiction treatment centers may mention specific insurance carriers, particularly if the facilities are preferred addiction treatment centers for national insurance companies such as Blue Cross, Aetna, Cigna and others. Whether or not private insurance covers any portion of drug and alcohol treatment depends on whether the facilities are ERISA or non-ERISA plans. The Employee Retirement and Income Security Act (ERISA) is a federal law that sets standards for certain health plans offered by employers. If the plan is ERISA, it may or may not cover drug and alcohol treatment, as it is not required to. Non-ERISA plans and other group health plans, are required to provide at least four inpatient detox admissions (of up to 7 days each) in a lifetime, at least 30 days per year (lifetime 90 days) of non-hospital residential treatment and at least 30 days a year of partial hospitalization or outpatient services.

Military Insurance

Members of the armed services who need alcohol or substance abuse treatment may have some or most of the costs paid for through military insurance.

Medicare, Medicaid and Medical

Many treatment facilities advertise that accepting Medicare, Medicaid and Medical. Medicare Part A covers some drug and alcohol treatment received at a hospital (including room, meals, nursing and some other services), while Part B covers some services provided by alcohol and drug professionals (inpatient or outpatient), lab tests, partial hospitalization and outpatient therapies. Be aware that Medicare does not cover the total cost of most treatment and services and patients pay deductibles and co-payments.

Self Payment

The two major things to consider when evaluating self payment for addiction treatment are that the first attempts at drug and alcohol treatments do not always work. Ongoing addiction usually has high mental and financial costs as well as increased risk for other problems.

Personal Savings

It may come down to the having to tap into personal savings to pay for rehab treatment, especially if a person has a high insurance deductible, no insurance at all, does not qualify for scholarships or does not want to take out a loan. Again, be sure to find out exactly what the cost break down is to estimate if it will exhaust a savings account.

Family Assistance in Paying

Asking family for assistance to pay for the drug and alcohol treatment can be an option. If a person is genuinely committed to quitting the abuse, family members may be willing to help. If the aunt or uncle says that rehabilitation treatment will be a loan, be sure to draw up a loan agreement and make good on the promise to pay them back.

Creative Payments

One-Time Pay Assistance

Some treatment centers offer some type of financial assistance on a one-time-only basis.

Scholarships

Several drug and alcohol treatment centers in California offer scholarships to those individuals who cannot afford to pay for treatment out of pocket or who do not have insurance. In fact, some of these treatment facilities may be required to make a certain number of beds available for scholarship recipients as part of state licensing requirements--depending on what type of license the facility has. If a person qualifies for a scholarship, it will pay for the entire cost of the treatment. Scholarships are for those individuals who really have no other option.