Insurance | Accepted Insurances for Rehab
Going through substance abuse rehabilitation is a huge undertaking, and the anxiety around paying for it only makes it more overwhelming. There are several ways to pay for rehab, although the most popular option is through a health insurance policy. Depending on your insurance provider, we may be in- or out-of-network, which will determine how much your treatment will cost. Your health insurance policy will determine what kind of rehab you can attend and for how long, often running the gamut in cost. At Oregon Trail Recovery, we accept several health insurance providers in addition to alternative payment methods. We will help you figure out what will work best for you.
There are two types of insurance: private and public. Private policies are bought by you or your employer in small groups for discounted prices. You are responsible for all or some of the financial costs that come with the policies. These private policies can cover rehab treatment to varying degrees depending on whether you are in-network or not. Public policies are government-funded plans. In these, the government pays for all or some of your rehab treatment, but only if you meet certain conditions. For example, Medicare, Medicaid, and the Affordable Care Act are three well known government-funded, public policies, but where you live may determine how much of rehab’s cost they cover. How much you would pay out-of-pocket is completely dependent on your policy, so we recommend talking to your provider about coverage details before moving forward.
Accepted Insurance Providers
We accept several insurance providers here at Oregon Trail Recovery. Some are in-network and some are out-of-network, but most out-of-network providers will work with you on covering at least some of the cost if you have out-of-network benefits. If you’re not sure of your provider’s network status with us, please feel free to call us and ask for clarification. These are the providers that we accept:
- Anthem Inc.
- Blue Cross Blue Shield
- Carefirst Inc.
- Cigna Health
- First Health
- Highmark Group
- Independence Health Group Inc.
- Kaiser Permanente
- Pacific Source
- United Healthcare
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Alternative Ways to Pay for Rehab
If you don’t have drug rehab insurance, there’s no need to worry! Rehab is important and we want to make sure that you can get the help that you need. There are other ways that you can pay for treatment here at Oregon Trail Recovery, such as:
- Private payment
- State or local government programs
State and Local Government Programs
Some state and local governments invest in making addiction treatment affordable by distributing federal funds to agencies like the Behavioral Health Department. These agencies provide state-funded addiction treatment programs through government grants specifically for those who have no health insurance, or insufficient coverage on their current policy. These grants and government-assisted programs are organized through the Substance Abuse and Mental Health Services Administration (SAMHSA).
SAMHSA grants are federally mandated to fund alcohol and drug rehabilitation programs like ours at Oregon Trail Recovery. These grants make treatment at domestic public and private nonprofits, not-for-profit rehab centers, and state-run facilities accessible for specific, at-risk demographics like pregnant women and single mothers.
Private Payments and Financing Rehab
The upfront costs of rehab can be daunting and scary. While it is often preferred to pay the full cost before treatment begins, or throughout the course of the program, that’s not feasible for everyone. Financing private payment for your treatment and/or stay with us can relieve the stress of cost on top of the emotional and mental weight of rehab. If you’re looking to make private payments, without the assistance of insurance or government funding, here at Oregon Trail Recovery we can help you set up a payment plan that works for you depending on the care that you need. You can finance your treatment with a personal loan from a bank or a loved one, but just be careful of high interest rates.
Fundraising or Crowdfunding
Fundraising and crowdsourcing can be valuable options to those without sufficient detox insurance coverage and don’t want to take out loans. Crowdsourcing can involve collecting cash donations or creating an online fundraising page. Online fundraising pages allow you to share your cause to a wider audience, which facilitates a “donate what you can” mentality.
We’ve Got You Covered
Insurance can be stressful to deal with especially when you need help the most. If you’re out-of-network, don’t fret! There are other payment methods that you can use to get the treatment that you need. Talk to your primary physician and ask them if they think rehab is right for you. If you don’t know what your insurance policy says about rehab, call your provider and ask them about pricing. You can also call us at Oregon Trail Recovery to take a look at your policy and let you know how we can work with you. If you have any friends or family who have been through the treatment system, you may want to ask them for advice on the different payment options. Get in touch with us today to learn more about our addiction center insurance coverage options and alternate payment plans! If things don’t align, we can always help you get in touch with other treatment facilities that do accept your insurance.