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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.

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Does Insurance Pay For Mental Health Treatment?

Yes, insurance does cover mental health treatment in Florida. This coverage is a result of the American Care Act of 2014, which mandates that most individual and small health insurance plans include mental health services.

In addition to this, all Marketplace insurance plans are required to cover mental health and substance abuse services as part of their essential health benefits. These benefits encompass a broad range of treatments and services, making mental and behavioral health care more accessible for many individuals .

>Does Insurance Pay For Mental Health Treatment?

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.

Rehab Center in Florida That Takes Insurance

The Sylvia Brafman Mental Health Center, a leading mental health facility in Broward County, Florida, is committed to providing comprehensive treatment for a wide range of mental health disorders. The center is renowned for its clinical excellence in treating conditions such as depression, anxiety, bipolar disorder, and PTSD, among others. With a team of highly qualified professionals, they ensure that each patient receives personalized care tailored to their unique needs.

We understand the importance of affordable access to mental health services. That’s why we accept insurance for all types of mental health disorder treatments, including dual diagnosis treatment. This type of treatment is essential when a person is dealing with both a substance use disorder and a mental illness – a complex situation that requires an integrated approach to care.

  • The Sylvia Brafman Mental Health Center: 7710 NW 71st Ct, Tamarac, FL 33321, United States
>Rehab Center in Florida That Takes Insurance

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.

Personal Loans and Financing

Personal Loans and Financing

In most cases, personal loans for rehab are the best choice for people who want quick medical attention but lack the resources to pay for it out of pocket. You can acquire the whole amount you need for treatment by receiving rehabilitation financing. It transfers this sum straight from the bank to the rehab program and offers a repayment schedule tailored to your budget once you finish treatment.

Sliding Scale Fees

Sliding Scale Fees

Sliding scale fees are a payment option that some rehab facilities offer to make treatment more accessible for those who are uninsured or underinsured. With a sliding scale fee, the cost is based on your income and ability to pay rather than a fixed price. This means that those with lower incomes or limited resources may be able to pay less for treatment than those with higher incomes or more resources.

For example, if a person’s income falls below a certain threshold, they may qualify for a lower fee. In addition, the sliding scale fee can be adjusted based on your financial situation, making it a more affordable option for those who cannot afford the total cost of treatment.



Crowdfunding for rehab can be a viable option for individuals who need to pay for rehab but don’t have insurance or other means of funding available. Crowdfunding involves raising funds through an online platform, such as GoFundMe or Kickstarter, where people can donate or contribute to a specific cause or project.

To crowdfund for rehab, you can create a fundraising campaign on a crowdfunding platform and share it with your social network and community. You can explain your situation and why you need funding for rehab and set a fundraising goal. You can also share updates on your progress and express your gratitude to donors throughout the campaign.

When creating a crowdfunding campaign for rehab, being transparent and honest about your situation is essential. You should clearly explain why you need funding and how it will be used to support your recovery.

Friends & Family

Support from Friends and Family

Asking friends and family for financial help to pay for addiction treatment can be a challenging but necessary step for some individuals who don’t know how to pay for rehab without insurance. While it can be hard to ask for help, it’s important to remember that addiction is a disease, and seeking treatment is a courageous and important step toward recovery.

When asking friends and family for financial help, be honest and upfront about your situation. Explain why you need help and how it will be used to support your recovery. Be prepared to provide details about the cost of treatment, including any out-of-pocket expenses, deductibles, or copays.

It’s also important to respect your loved ones’ financial situations and be prepared to accept any decision they make. While some family members or friends may be willing and able to help financially, others may not have the resources to contribute.

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.

Employee Assistance Programs (EAPs)

Employee Assistance Programs (EAPs)

If employed, your company may have an EAP that may include employer-provided benefits for rehab. EAPs are frequently created to offer tools and help employees deal with personal or professional concerns.

Faith-based Programs

Faith-based Rehab Programs

Faith-based organizations are religious groups or institutions that offer addiction treatment and rehab services based on their religious beliefs and values. These organizations may use a variety of approaches to treatment, including traditional counseling, group therapy, and spiritual support.

In addition, faith-based rehab programs also provide an alternative to traditional medical models of addiction treatment, which may not resonate with everyone. They typically focus on providing a holistic approach to treatment, addressing addiction’s spiritual, emotional, and physical aspects. In addition, these programs often incorporate prayer, meditation, and other religious practices as part of the recovery process.

An advantage of faith-based rehab programs is the sense of community and support they offer. You may find comfort and strength in connecting with others who share your beliefs and values.

Community-based Groups

Community-based Therapy Groups

Community clinics are healthcare facilities that provide primary and preventative care services to those in a specific geographical area or community. These clinics can also offer addiction treatment and rehab services to individuals struggling with substance abuse.

Community clinics may offer various services, including outpatient counseling, medication-assisted treatment (MAT), group therapy, and case management. These services may be provided by licensed therapists, social workers, and other healthcare professionals trained in addiction treatment.

One advantage of seeking addiction treatment through community clinics is that they’re often more accessible and affordable than traditional rehab centers. In addition, community clinics may offer sliding scale fees or accept Medicaid and other government-funded insurance programs, making addiction treatment more accessible to low-income individuals and families.

Grants & Scholarships

Rehab Grants & Scholarships

Grants and scholarships can be valuable for substance abuse treatment funding. The Substance Abuse and Mental Health Services Administration (SAMHSA) offers a variety of grant programs for addiction treatment, including grants from state and local governments, tribal communities, and non-profit organizations offering rehab funding. These grants can be used to fund a range of services, including prevention, treatment, and recovery support.

Subsidized Coverage

Government-funded Rehab

Subsidized coverage for rehab refers to government-funded or partially funded insurance programs that provide coverage for addiction treatment services. An example of a subsidized coverage program is Medicaid, a government-funded insurance program that offers a range of addiction treatment services for low-income individuals and families.

The specific services covered may vary by state, so check with your state’s Medicaid program to determine eligibility and coverage.

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.


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