How To Pay For Mental Health Therapy Treatment in Florida

At The Sylvia Brafman Mental Health Center, we understand that embarking on the journey towards mental health recovery is a major decision. We also recognize that understanding how to finance your treatment can be a significant concern. Our professional team is on hand to guide you through the various payment options available, ensuring you can focus on what truly matters – your recovery.

We believe that everyone deserves access to quality mental health care, which is why we offer a range of flexible payment options tailored to suit different financial situations. Whether it’s understanding insurance coverage or exploring self-pay options, our knowledgeable staff are committed to helping you navigate the financial aspects of your treatment with ease and confidence.

Does Insurance Pay For Dual Diagnosis Treatment?

Yes, insurance does cover dual diagnosis treatment. Dual diagnosis is a term used when a person has both a substance use disorder and a mental illness. It’s critical to treat both conditions simultaneously for effective recovery, and fortunately, most health insurance policies cover these costs ¹.

The Affordable Care Act (ACA) mandates that all Marketplace insurance plans must cover mental health and substance abuse services as essential health benefits. This includes behavioral health treatment, like psychotherapy and counseling, mental and behavioral health inpatient services, and substance use disorder treatment. The law also requires most individual and small employer health insurance plans.

Aetna, BCBS Florida, BHO, Carelon, Cigna, Halcyon Behavioral, Humana, Medica , UMR and UHC are among some of the insurance providers that cover dual diagnosis treatment.

At the Sylvia Brafman Mental Health Center, we understand that navigating insurance coverage for dual diagnosis treatment can be complex. Our team of professionals is always available to help guide you through this process, ensuring you understand your coverage and the options available to you.

How to Pay For Rehab With No Insurance

Whether you are looking for “rehabs in florida without insurance” or “therapy treatment without insurance”, there are potential options you could consider to finance your recovery or the recovery of a loved one. Personal financing through loans designed for rehabilitation is one such option, enabling quick access to medical attention, even if you lack the resources to pay out-of-pocket. Some rehab facilities, understanding the financial constraints many face, offer sliding scale fees, with costs based on your income and ability to pay. This means those with more modest incomes may be able to access treatment at a lower cost.

Is It Worth Paying For Rehab If You Don’t Have Insurance?

The short answer is yes. We know that paying for rehab without insurance can be difficult, often involving a significant financial commitment. However, for individuals struggling with addiction, seeking professional treatment can be a critical step towards recovery and an overall healthier, happier life.

Seeking professional treatment can help reduce the risk of relapse and the associated costs of continued substance abuse. Untreated substance use disorder can have significant long-term physical, emotional, and financial consequences in the short and long term. Here are a few examples:

• Medical Costs: Substance use disorder and addiction can lead to various health problems, including liver disease, heart disease, respiratory problems, and mental health issues. Treating these health problems, including hospitalization, medication, and ongoing medical care, can be expensive.
• Legal Costs: Substance abuse can lead to legal problems, such as arrests, fines, and legal fees. These costs can add up quickly and have long-term consequences, including a criminal record that can impact employment opportunities and financial stability.
• Lost Income: Substance abuse can lead to lost productivity and missed workdays, impacting income, job stability, and financial stability.
• Relationship Costs: Substance abuse can strain personal relationships, leading to divorce, separation, or loss of social support. This can impact mental health and financial stability, including the need to pay for child support or alimony.
• Cost of Substance Abuse: Purchasing drugs or alcohol can add up quickly, especially if the addiction progresses. This can lead to financial difficulties, including the inability to pay bills, maintain housing, or meet basic needs.

An Institute of Medicine research study indicated that the annual cost of outpatient treatment for cocaine or heroin was around $3,100 per individual. The cost of residential cocaine treatment was around $12,500. However, untreated addictions were projected to cost $43,200 per year per individual, primarily because of legal expenses and incarceration.

It’s estimated that substance abuse costs society $442 billion annually in health care, lost productivity, and legal expenses.

How to Get Into Rehab With If You Can't Afford To Pay

In addition to the above options, Employee Assistance Programs (EAPs) provided by some employers can include benefits for rehab. Faith-based programs offer another avenue for treatment, providing a holistic approach to recovery that includes spiritual support. Community-based groups and clinics often provide affordable and accessible addiction treatment services, including outpatient counseling and group therapy. If you’re eligible, grants, scholarships, or subsidized coverage programs like Medicaid can significantly reduce the financial burden of mental health treatment costs. Alternatively, fundraising through online platforms or seeking help from friends and family can also be effective ways to finance rehab. Navigating these options can be challenging, but remember, seeking treatment is a courageous step towards recovery.

If you are looking to get into a rehab treatment center near you, get in touch with us today. Let us help demystify the process of paying for mental health rehab, and guide you through your options. Your journey to recovery is as important to us as it is to you. With our passion, expertise, and commitment to your wellbeing, you’re in safe hands at The Sylvia Brafman Mental Health Center. Don’t let financial worries stand in your path to recovery. Call us now, and let’s explore your options together.