Recovering from the disease of addiction is a difficult, but rewarding process. Unfortunately, many individuals attempt to quit their substance abuse on their own. This often causes the cycle of addiction to be perpetuated, as withdrawal symptoms become unbearable – causing the individual to relapse once again. However, individuals who attend professional drug and alcohol rehab receive the medical attention they need to successfully become sober.
Professional drug and alcohol rehab is effective, safe, and highly recommended. However, it is known that attending an addiction treatment program is expensive. Due to this fact, many individuals avoid attending rehab. Fortunately, there are plenty of ways to make rehab more affordable.
Let’s take a look at how to pay for rehab in New Jersey.
How Much Does Rehab in New Jersey Cost?
When individuals are considering attending addiction treatment, many of them wonder exactly how much rehab costs. The cost of rehab in New Jersey varies by a number of factors, including the level of care needed, the type of treatment, the facility, the length of stay, the substance of abuse, and the amenities offered.
Treatment programs that offer a higher level of care, such as inpatient or residential treatment, typically cost more. On the other hand, programs such as outpatient rehab usually cost less than inpatient rehab.
The typical costs of inpatient treatment programs include the following:[1]
- Only detox (7-day minimum): $600-$1,000 per day.
- 30-day program: $400-$900 per day.
- 60-day program: $300-$800 per day.
- 90-day program: $200-$700 per day.
The average costs of outpatient treatment programs include the following:[2]
- Intensive outpatient programs (IOP): $100-$500 per session.
- IOP with housing: $3,500-$5,000 per week (typically, housing is not offered) (expect an additional $400-$900 per month on top of the price of the program).
Paying for Rehab in New Jersey
Because rehab may become pricey, especially when an individual requires additional treatment, such as medically-assisted drug and alcohol detox or dual diagnosis treatment. With that being said, there are many ways to make rehab more affordable. This may include state-funded or free rehab facilities, payment plans, financing, scholarships, grants, or insurance.
Determine Your Addiction Treatment Needs
To begin, you and your loved ones should speak with a healthcare provider to determine your treatment needs. Each individual is different, meaning each person will require different addiction treatment services.
Determine whether you need the following services:
- Dual diagnosis treatment for mental health conditions
- Medical treatment for medical health conditions
- Gender-specific services
- Detoxification from drugs or alcohol
- Medically-assisted detox
- Medication management
- Nutrition and health services
After determining what you need in terms of addiction treatment services, you can begin estimating your treatment costs. Contact any programs you are interested in for detailed information on prices based on your insurance and financial information.
Gather Information About Your Finances and Insurance Plan
As previously stated, rehab programs vary in cost depending on the program’s location and services. Make sure to gather information about any of the following that applies to you and your family:
- Health insurance policies and coverage offered
- Medicare coverage
- Medicaid coverage
- Employer assistance programs
- Employer disability programs
- Savings and credit accounts
Medicare and Medicaid
Medicare and Medicaid both offer assistance for the access of alcohol and drug rehab in New Jersey. However, Medicare is a federal health insurance program, meaning there are a few requirements individuals must meet to qualify for coverage. If you are looking into Medicare coverage, you must be 65 or older or younger and disabled.
On the other hand, Medicaid is a program that is funded by both the states and the federal government. This insurance plan provides low-cost or free healthcare to low-income individuals, regardless of age. The amount of coverage Medicaid provides is based on income and family size. While a small co-payment may be required, individuals with Medicaid often pay nothing for medical costs at rehab.
Look into Employer Assistance Programs (EAPs)
If you work for a company, you may want to contact your employer or HR department to see if they have an employer assistance program (EAP). An EAP is a service sponsored by an employer to offer assistance to employees (and their families) who are experiencing personal challenges. EAPs typically offer assistance for services such as mental health and substance abuse treatment, as well as financial and legal concerns.
The Affordable Care Act
The Affordable Care Act was created to ensure that individuals with insurance can utilize their plan to obtain mental health and addiction treatment. If you are wondering how to pay for rehab in New Jersey, The Affordable Care Act is a great place to start. Because of this act, insurance companies are required to cover some or all of the costs of addiction treatment.
Attending Addiction Treatment in New Jersey
If you or a loved one are in need of addiction treatment, New Jersey Interventions is here to help. We understand that the cost of rehab can be high, however, the cost of addiction is even higher. That’s why our experienced and empathetic addiction specialists are here to assist you and your loved ones in finding the perfect rehab program.
We can assist you in finding the proper insurance, payment plans, and assistance programs. Contact us today for more information on how to pay for drug and alcohol rehab in New Jersey.
References:
Medically Reviewed: January 19, 2021
All of the information on this page has been reviewed and verified by a certified addiction professional.