WHAT IS SOBER LIVING?
Sober living homes also called halfway houses, are group homes meant to be a safe space for those recovering from addiction. Naturally, it is a place free of drugs and alcohol, with a set of rules to be followed. This set of rules is either established by a manager or by the group as a whole.
Sober homes work like a co-opt, as each resident pays part of the costs and help in the house through chores. There are different types of sober houses to choose: some are privately-owned, others are owned by businesses and/or religious groups, or even charity organizations.
Not only is it ideal in terms of living arrangements, but it also provides the previously mentioned support. Sober living provides a secure, substance-free environment where you can live with others who are going through the same as you.
You’ll be able to implement the lessons you learn in therapy into your everyday life, and you’ll have support from your housemates along the way. Many sober homes might also require that you continue aftercare treatment, like attending support groups.
If you don’t have a safe home environment, a sober living home is an option you should consider. Studies have shown that sober living homes help avoid relapse and keep recovering addicts on track. Living tends to be inexpensive, around the same, average price as reasonable rent. And this would all go towards your improvement and sobriety.
COST INFORMATION YOU SHOULD UNDERSTAND
Paying With Insurance
Medical fees vary according to the intensity of care, which is why outpatient tends to be less expensive. If you’ve ever had another medical issue, you’ve seen the difference in your bills. A doctor’s visit costs much less than a trip to the hospital. Since outpatient care is less stringent and intense than inpatient, it ends up costing less. But the actual services you receive, such as therapy, are very similar to what you might receive in inpatient treatment.
The reason for these costs savings is because outpatient programs don’t provide:
- Medication every day
- Around-the-clock staff
The reality is that, for many people, the price of treatment is one of the reasons why they won’t get help. Residential and outpatient treatments vary a lot in cost, even if the latter takes longer to complete. But if you have health insurance, you should check with your provider about your coverage.
The marketplace rules that insurance companies must offer care for mental health issues (like addiction) the same way they would for physical problems (like broken bones). Mental and behavioral services are considered essential benefits, and therefore, must be covered by insurance providers. Those parity rules mean your insurance plan should cover at least some of the cost of care, and spending limits and preexisting conditions bans can’t apply.
But you may have out-of-pocket expenses like copayments and deductibles, and those fees can be a strain on your budget. By choosing a less expensive option for treatment, you could save money. Insurance plans might also require that you try the least expensive option before you move on to something more costly. That means you might have to use outpatient care first when possible, even if it’s not your first option.
Paying for Outpatient Treatment with Medicaid and Medicare
Medicaid is a state- and federal-funded health care program, helping people with low income receive medical treatment. In order to be eligible, people need to provide information on their income and that they can’t afford a majority of the plans available. The income requirement for coverage varies depending on the state.
Medicare is also a health care program funded by the government, but eligibility for it is different. The requirements have nothing to do with income and are: being over 65 and having paid Medicare taxes for 10+ years; being married to someone who paid Medicare taxes for 10+ years; having a severe disability (all ages); suffering from End-Stage Renal Disease.
Both programs provide coverage for outpatient rehabilitation as well as other rehab services. However, it won’t be full coverage, and some of them have limitations. You’d have to look into the specifics for each plan, and for your own state.
For instance, Medicare is divided into A, B, C, and D parts, and part B specifies outpatient rehab services. It establishes that Medicare can cover up to 80% of costs, covering outpatient care, therapy, drugs administered, and professional interventions. It also covers treatment for co-occurring disorders. And Medicaid also offers coverage for rehab services. In fact, it covers most outpatient programs, as well as both IOPs and PHPs.
If you are eligible for both Medicare and Medicaid, you can use both of them to cover your expenses. But bear in mind, you would need to make sure of how much each would cover, and if you can use both for the same specific services.
Paying for Outpatient Treatment Without Insurance
Many people can count on help to make rehab less expensive, or at least more affordable. First, there are other government programs that fund rehabilitation services. You’d have to apply through a mental health agency or a substance abuse agency, both of which can be local or state agencies. Government grants are another possibility and are offered in multiple states.
If you have to pay out of pocket, you can enquire about payment plans. Another similar option would be to pay with a credit card. Both allow you to pay for rehab gradually, though the latter might come with some extra fees. There are also personal and/or private loans available to those who can take them and will be able to pay back in a certain period of time. These can affect your general credit, and they might require that you pay back sooner rather than later.
IS OUTPATIENT CARE RIGHT FOR YOU?
There are various levels of outpatient treatment, and the choice of which one is right for you is very individual. An initial assessment at a treatment facility will help you determine which level of care will be best for your situation. Once that is done, you can count on the right team to help you. We at Footprints to Recovery can provide any level of treatment you might need, from detox to aftercare.
If you or a loved one need help to overcome addiction, we can help you. Contact us today and ask us your questions, schedule a tour, and learn more about our options. Our team is prepared to guide you through the process and to help you choose what is right for you. Remember that your journey in recovery is unique, so choose a facility that offers tailored care.