How to Pay for Substance Use Treatment

Published On: August 9, 2022|Categories: Educational, Addiction|

Choosing to go through an addiction treatment program and commit to your sobriety is an empowering decision. However, the decision is quickly followed by the looming question of how much it will cost and how you will pay for it.

Please don’t let stress over paying for treatment stop you from asking for help getting sober. Even if you’re uninsured, underinsured or experiencing significant financial hardship, chances are good there are insurance or payment options available for you.

Every facility is different when it comes to the types of insurance and payments they accept. Here at Pyramid Healthcare, we strive to make treatment as accessible and affordable as possible to anyone in need.

In this article, we’re going to discuss the different insurance providers we’re in-network with as well as additional forms of payment that we accept.

Payment options

The three main forms of payment accepted at Pyramid Healthcare are commercial insurance, Medicaid and self-pay.

Commercial insurance and Medicaid are the most common forms of insurance people tend to utilize for substance use treatment and rehabilitation. 

Clients seeking treatment at Pyramid Healthcare also have the option to pay via cash, personal check or credit card. In addition, we accept state and county funding and work with unions and Employee Assistance Programs. 

Commercial health insurance

Commercial insurance policies are usually offered through an employer. These healthcare coverage plans are commonly used as a form of financial support for those seeking addiction treatment. Policies and the type or amount of coverage vary, so it’s important to find out if your specific policy can be used to cover a portion of your rehabilitation.

Insurance providers accepted by Pyramid Healthcare include:

  • All BlueCross BlueShield plans
  • Aetna
  • Cigna
  • ComPsych
  • Devon Health Services
  • Geisinger
  • Health America
  • Magellan
  • MHN – A Health Net Company
  • Optum
  • Preferred Health Care
  • Quest Behavioral Health
  • UPMC
  • United Healthcare
  • Value Options

In addition, we accept out-of-network benefits for companies not listed above. If you’re not sure whether we accept your insurance or what your out-of-pocket costs will be, feel free to contact us to find out.

Medicaid

For those who cannot afford commercial insurance, or who do not have access to a commercial insurance policy through work, government-subsidized healthcare coverage may be available. This coverage is known as Medicaid.

Medicaid is often more affordable than commercial insurance, and is primarily available to children, pregnant women, adults with low or no income, elderly people and individuals with disabilities. Eligibility requirements differ with each state, but common determinants include age, medical necessity and financial need. 

In the case that an individual doesn’t have access to commercial insurance or Medicaid, other options for payment are available.

Other ways to pay

For clients without insurance who are ineligible to receive Medicaid coverage, paying for treatment with cash, personal check or credit card is an option.

Pyramid Healthcare also works with unions and Employee Assistance Programs to help individuals access treatment. 

In addition, we accept state and county funding. Examples might include loans, grants or fundraising. Eligibility varies per individual case, but some of the standard elements taken into consideration include location, circumstance, personal needs, and the program or rehabilitation center you’re considering. 

Reach out to your municipal, county or state government or the U.S. Department of Health & Human Services Substance Abuse and Mental Health Services Administration to learn more about programs you may be eligible for to help pay for addiction treatment services.

Reach out for additional options

We know it can be tough to admit that you or someone you love has a substance use disorder that requires professional help to overcome. Admitting you need help is the first step to recovery — finding the right treatment program is a close second.

Paying for treatment should not be a deterrent from getting the treatment you need. At Pyramid Healthcare, our goal is to make paying for treatment as simple and accessible as possible. 

Our intake specialists are available 24 hours, 7 days a week to answer questions and begin the admissions process. To speak with one of our qualified financial administrators to learn more about which payment option is best for you and how to enroll in one of our addiction treatment programs, call us at 888-694-9996 today.

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