How Will I Pay for Treatment?
Addiction treatment is an investment you make in yourself and your future. Though the idea of paying for treatment can seem overwhelming, remember the high price of addiction and what it has already cost you.
The cost of treatment is determined by insurance coverage, treatment needs and the Sunspire Health facility. Each of our facilities varies in price, so the best way to get an idea for treatment cost is to give us a call. One of our care advocates can verify your insurance benefits and explain the offerings of each facility, so you can get an accurate estimate.
Your employer-provided insurance may cover some or all of the cost of our addiction treatment. Our care advocates can determine the level of coverage you have and how much your private insurance plan will put towards the cost of your recovery.
Sunspire Health accepts private insurance from many major providers, like Cigna, Aetna and Multiplan. We also accept insurance plans from a selection of smaller, private insurance providers. Give us a call so we can help you figure out if your insurance is accepted and how much it will cover for your care.
Self Pay & Financing Plans
If your private insurance is not accepted at any of our facilities, or if your insurance plan limits your treatment options, our care advocates will explore every option available for you to be able to use our services.
Sunspire Health offers the option of self-pay, meaning that you pay for addiction treatment out of pocket without involving your insurance. However, if you do not have the money available to pay for treatment, there are other payment options to consider.
We can work with My Treatment Lender for patients who need small or large sums of money up front to cover treatment costs. You can apply for this loan on their website, which will then dictate the terms of your agreement, so you can pay back the cost over time at the rate you work out with them.You may also be able to use or open a credit card with a 0% interest rate to help you cover your balance.
Give our care advocates a call, and we can figure out the best payment options for your situation.
You may make all kinds of excuses and create mental obstacles for yourself to avoid treatment. However, many of these excuses and obstacles can be overcome with the help of a support system.
“What if I lose my job because I've gone to treatment?”
In some cases, federal law recognizes addiction as a disability under the Americans with Disabilities Act, and the Family and Medical Leave Act may protect your job and insurance if you're absent from work to receive addiction treatment. Call our care advocates to learn more about this legislation and find out it applies to your situation.
“How will I pay my bills when I'm in a facility?”
Opt in to automatic billing for your mortgage payment, utility, cell phone or other monthly bills so you don't have to worry about late payments during your treatment. You may also consider asking a trustworthy loved one to pay bills for you if you'd rather not have money automatically taken from your accounts. If you go this route, be sure this trusted person has your banking information and other online logins and passwords.
“Who's going to take care of my family?”
If you have dependents like children or pets, you may feel guilty for leaving them for an extended period of time as you seek treatment. However, remember that when you help yourself recover, you're helping them, too!
Talk to your trusted loved ones about their availability to care for your child or children. Your kids will likely want familiar, comforting faces around as you are in treatment. Hopefully, the loved one who is able to care for your child or children is also able to look after pets, but if not, there are many pet boarding options in every state.
Be sure that whoever is watching your dependents has contact information for the facility where you'll be receiving addiction treatment, so they can stay in touch.