How To Pay For Rehab in Colorado

The cost of addiction treatment in Colorado is a barrier to getting help for many. Fortunately, there are numerous options to provide financial assistance for rehab. Some options are more viable than others and our team at Spero Recovery Center wants to offer resources to share how to pay for rehab, for either yourself or a loved one.

Our men’s residential rehab in Colorado is a non-profit and offers affordable treatment, but we also can help families assess their treatment options and share resources about addiction and how to get treatment. Our priority is to guide individuals toward a life-long recovery.

What Are My Options to Pay for Rehab?

There are several options available for individuals seeking to pay for rehab services. The availability and suitability of these options may vary depending on the specific rehab center and individual circumstances. It’s crucial for individuals and their families to research and inquire about payment options at different rehab facilities. Many rehab centers have financial counselors who can help navigate the available options and assist in finding the most suitable and affordable treatment plan.

Here are some common methods people use to pay for rehab:

Many health insurance plans offer coverage for substance abuse treatment, including rehab services. The amount covered and the specific services included depend on the insurance provider and the policy. Insurance may cover a portion or the full cost of outpatient or residential treatment programs in Colorado.

Some individuals may choose to pay for rehab out-of-pocket, either with personal savings or with assistance from family and friends. This option is viable for those who can afford the cost of treatment without insurance or financial aid.

Some rehab facilities offer sliding scale fees, which are adjusted based on an individual’s ability to pay. The facility assesses the person’s financial situation and charges them a fee that they can afford. This option makes rehab services more accessible to people with lower incomes.

Certain non-profit rehab centers offer scholarships or grants to individuals who cannot afford treatment. These scholarships can significantly reduce or completely cover the cost of rehab. Eligibility criteria for scholarships vary between organizations. Our rehab center is a non-profit and through our foundation, we’re able to provide need-based scholarships for treatment. Call and speak with admissions to learn more about how to receive addiction treatment with Spero Recovery Center.

Some individuals and their families resort to fundraising to gather funds for rehab. They may organize events, create online crowdfunding campaigns, or seek donations from their community. Fundraising efforts can be particularly useful with social media outreach and community support.

There are state-funded and non-profit rehab centers that offer low-cost or free treatment options. These facilities are subsidized by the government or charitable organizations, making them accessible to individuals with limited financial resources.

Some employers provide EAPs, which offer counseling, referral, and support services to employees. EAPs may cover a certain number of therapy sessions or provide referrals to rehab facilities, helping employees access treatment.

Medicaid and Medicare are government-funded healthcare programs that may cover substance abuse treatment services for eligible individuals. Coverage varies by state and program, so checking the specific benefits available is important.

How Much Does Rehab Cost?

how to pay for rehab without insurance

Colorado ranked as the 11th cheapest state for residential drug rehabilitation treatment according to the National Center for Drug Abuse Statistics, offers a variety of options for individuals seeking recovery. The state stands out as the only one where heavy consumption of all major intoxicants—marijuana, alcohol, cocaine, and opioids—persists. With 460 active rehabilitation centers catering to 52,388 patients annually, Colorado’s commitment to addressing substance abuse is evident.

In terms of costs, outpatient drug rehabilitation treatment in Colorado is notably affordable, with the average individual paying around $1,705 annually. This expenditure, accounting for 3.78% or $87.32 million of the U.S. public’s total spending on outpatient services, reflects the accessibility of these programs. Moreover, 51,216 patients enrolled in Colorado drug rehab outpatient services every year.

For those requiring more intensive support, residential (non-hospital) services are available, with 1,012 patients participating annually. Although costing more at an average of $56,413 per individual, this option accounts for 1.1% or $57.09 million of the U.S. public’s total spending on residential treatment in Colorado. Additionally, 160 patients receive inpatient care for drug rehab, showcasing the diverse range of treatment methods accessible in the state.

Importantly, Colorado also has five facilities offering free drug rehab treatment for all clients, ensuring that cost is not a barrier to receiving necessary care.

In this landscape, the Spero Recovery Center stands out for its commitment to providing quality residential affordable treatment. Utilizing a cash-only payment option rather than relying on insurance helps us keep costs low, making it an accessible and valuable resource for individuals seeking recovery in Colorado.

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The community vibe we foster at Spero Recovery enables our clients to feel comfortable and teaches them interpersonal skills. We want to create a safe environment for our clients; our goal is to provide a space where they can become the people they have always wanted to be.

sponsor community
At Spero Recovery, we immerse our clients into a 12 Step community. They find sponsors, meet up with them regularly, and work through the 12 Steps. Members of the community pass down the gift of recovery to our clients, which allows them to begin the process of recovery and eventually pass on the gift to other clients.

mountain rehab
We also offer experiential programming – hikes and other outdoor activities. We also have a full woodworking shop. Inviting specialists onto the premises—such as meditation teachers and chefs—is one of our favorite things to do. Our goal is to teach our clients essential life skills and the importance of building relationships.

Does Insurance Pay for Rehab?

The amount that insurance pays for rehab varies widely based on the specific insurance plan, the type of treatment, the duration of treatment, and the facility’s network status. It’s important for individuals seeking rehab to thoroughly review their insurance policy, understand the coverage limitations and requirements, and consult with both the insurance provider and the rehab facility to determine the out-of-pocket costs. Every insurance plan is different, so there is no one-size-fits-all answer regarding how much insurance will pay for rehab.

Here are some general points to consider regarding insurance coverage for rehab:

Many insurance plans provide coverage for substance abuse treatment, including rehab services. The coverage can include both inpatient and outpatient treatment programs. The Affordable Care Act (ACA) has made it mandatory for insurance plans to cover mental health and substance use disorder services, although the extent of coverage can still vary.

Insurance plans typically cover a range of substance abuse treatments, including but not limited to detoxification, outpatient counseling, inpatient/residential treatment, medication-assisted treatment (MAT), and therapy sessions. Coverage may also extend to aftercare and support services.

Insurance plans often have limits on the duration of treatment. For instance, they might cover a specific number of inpatient days per year or a certain number of outpatient therapy sessions. The exact limits depend on the insurance policy and can vary widely.

Insurance plans generally provide better coverage for in-network providers. If a rehab facility is in-network, the insurance plan will cover a larger portion of the cost. Out-of-network providers might still be covered, but the patient often has to pay a higher percentage of the total cost.

While most insurance plans cover a wide array of treatments, certain specialized or alternative therapies might not be covered. Examples include luxury amenities, spa treatments, wilderness therapy, and some holistic treatments. It’s crucial to check with the insurance provider and the rehab facility about what specific services are covered.

Insurance companies often require prior authorization for rehab services. They might also require proof of medical necessity, meaning there should be a documented need for the type and duration of treatment prescribed by healthcare professionals.

Patients are usually responsible for co-pays, deductibles, and coinsurance. Co-pays are fixed amounts paid for each visit or service, deductibles are the amount individuals must pay out of pocket before insurance coverage begins, and coinsurance is the percentage of costs individuals pay after meeting their deductible.

How Does Spero Recovery Center Help You Pay for Rehab?

paying for rehab

At Spero Recovery Center we’re dedicated to providing quality, effective, residential treatment that’s accessible to those who need it most. One of the many ways we ensure this is by making our 12-step rehab program affordable. Since Spero Recovery Center is a registered non-profit rehabilitation center in Colorado, our program is low-cost.

We’ve also taken the time to build a recovery community. Our partners and alumni of Spero donate scholarship funds to our foundation making it possible for us to offer treatment to people in need of financial assistance. Speak with admissions about eligibility for receiving help in paying for treatment.

Contact Spero Recovery Center About How To Pay For Rehab

Our addiction specialists at Spero Recovery Center can help you and your loved ones find viable treatment options in Colorado. Our drug and alcohol rehab for men uses the principles of 12 steps and integrates this with experiential therapy, taking advantage of the forests, lakes, and mountains that surround our facility. Contact us to learn more about how to pay for rehab and find the best option for you.

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Begin With Spero Recovery Center Today

Finding the right program for recovering from addiction can be challenging. For more information on what Spero Recovery does and how we can help, give us a call. Your are not alone. We can accomplish so much together!