Alcohol Rehab Cost in Illinois

What Affects the Cost of Alcohol Rehab

As you might expect, more expensive rehab centers are likely to offer longer and more intensive programs. In addition, these centers tend to offer more types of treatment, such as group or family therapy.

The price tag for alcohol addiction rehab varies depending on where it is provided. Residential treatment costs more than outpatient care.

Location may also be a factor in determining the cost of alcohol treatment. For example, alcohol rehab centers are more likely to charge higher prices when they're located in cities with high demand and relatively low supply.

Some facilities have more flexible treatment philosophies than others. Some are highly structured, while others are much less regimented. You might pay a lot for the privilege of having access to amenities or extra privacy.

It's important to check your insurance policy before you choose an alcohol rehab center.

Partial hospitalization programs (PHP). A PHP combines the best features of outpatient and residential care. Patients come to a treatment facility several hours each day but go home in the evenings.

Cost by Level of Care

The price of alcohol rehab varies depending on the type of care you receive.

Outpatient care usually costs less than other forms of treatment.

Residential rehab costs vary depending on the type of program and how long the person stays.

Residential rehabilitation ranges in intensity under ASAM levels 3.1 and 3.5 care.

Intensive Outpatient is classified as ASAM level 2.1. Intensive outpatient programs (IOP) are more flexible than residential rehab but still provide a high level of care.

Hospital-based treatment costs more than other options because it provides around-the-clock care.

In addition, some programs offer sliding fee scales that adjust the cost based on your ability to pay. Some treatment centers have sliding scale fees depending on income levels. Other facilities may provide financial assistance or accept Medicaid. The availability of such options will vary by area.

If you are worried about paying for alcohol rehab, talk to the treatment provider during your initial intake appointment.

Private Insurance and Illinois Parity Law

Parity is a comparison of the SUD benefit to the medical/surgical benefit within an insurance plan. It looks at how much you pay, the limits, and the restrictions (including prior authorization) placed on those benefits.

It should be noted that parity does not mean that your health insurer will necessarily cover all of your mental health treatment.

Marketplace plans also generally cover care for a variety of medical conditions.

Department of Insurance market conduct exams check whether issuers are meeting parity requirements. They compare medical/surgical benefits to MH/SUD benefits by classification. This includes inpatient, outpatient, emergency care, prescription drugs, and other types of services or supplies.

Federal MHPAEA and Illinois Insurance Code sections address parity of medical/surgical benefits compared to MH/SUD benefits.

Office of Consumer Health Insurance answers questions about insurance plans in Illinois. The office also assists people who are having problems with their insurance companies or if they have an issue with a health insurance provider not honoring claims.

Illinois Medicaid Coverage

Medicaid is health insurance that pays for various healthcare costs for people who meet certain eligibility requirements.

HealthChoice Illinois managed care delivers integrated physical and behavioral health care, including substance use disorder treatment.

Individuals interested in finding substance use disorder services should contact their managed care organization and ask for assistance in identifying an SUD provider that is available for services.

Individuals receiving treatment should be aware that not all providers accept Medicaid.

Please check with your provider or HFS to ensure that they offer the specific type of service you need before visiting them.

Only covered SUD services for eligible Medicaid individuals can qualify for a Medicaid reimbursement. Substance Use Disorder (SUD) treatment agencies must be enrolled with the HFS and also be licensed by IDHS/SUPR to receive Medicaid payments.

HealthChoice Illinois expanded managed care across every county in Illinois beginning January 1, 2018.

Managed care plans under HealthChoice Illinois include members who receive services from a variety of providers, such as physicians, hospitals, dentists and pharmacies.

Medicaid customers looking for substance use recovery can find care through multiple avenues.

State-Funded Treatment for People Without Insurance

There are multiple options available for people who want or need treatment but don't have insurance.

Illinois Helpline specialists connect uninsured callers with a list of state-funded treatment providers in their area. These providers are usually able to offer some level of financial assistance for clients who meet eligibility requirements.

Treatment providers may be willing to work out payment plans that fit your budget. You can learn more about state-funded care by calling the Illinois Helpline.

IDHS SUPR funded organizations offer affordable treatment for people who don't have insurance.

Community based treatment and recovery programs are supported through funding provided by the Illinois Department of Human Services Substance Use Prevention and Recovery (SUPR) grant program. The SUPR program provides state funding to local providers throughout Illinois who provide both outpatient and residential substance use services, including recovery support services.

Helpline specialists connect people seeking alcohol treatment with state-funded agencies that provide services without insurance or other funding. State-funded care is limited and not offered in all areas of the state. It may be necessary to travel a significant distance or wait for a space to open up at the agency.

Sliding-Scale Fees and Payment Assistance

Not sure if a treatment program is affordable? Don't worry. Many facilities are willing to negotiate or provide alternative payment plans based on financial need. These are known as sliding-scale fees or payment assistance. This means that the cost of treatment varies depending on your income and ability to pay.

Payment plans: A payment plan means that you'll pay a set amount each month toward the cost of care. You can ask about this option when you're first calling around to find a program.

A sliding scale is not available for all providers or types of treatment.

You'll need to confirm that these options are available at your treatment facility or provider's office before committing to a specific program.

Payment plans and alternate payment methods are offered by some treatment facilities. If you or your loved one is concerned about cost but would like to seek treatment, it may be a good idea to ask about these options. This way, you can work with the facility on the most affordable plan possible.

Questions to Ask About Cost Before Admission

Before admission, ask programs to estimate charges and confirm they accept your insurance. Determine what additional out-of-pocket costs are expected, such as copayments or deductibles.

What is the total cost of treatment? Will my health insurance cover these charges? What will I be required to pay out-of-pocket?

Are there any special fees (for example, for room and board)?

What other charges should I expect?

Can you provide an itemized list of costs so that I can determine what is covered by my insurance and what I will have to pay myself?

What's included in the estimated cost? Find out what's included in the estimate so there are no surprises later.

Will there be any additional fees or charges (such as copayments for medication, specialty care, or testing)? This could affect how much you end up paying overall. It's good to know ahead of time if there will be these kinds of charges, and how they'll be collected.

Will your insurance pay the costs? Not all treatment programs accept insurance. If the program accepts it, verify whether it covers costs associated with your specific plan (for example, inpatient care, medications, counseling). Find out what you're responsible for paying as a copayment or deductible.

What are my options for making payments? Some programs offer payment plans to help their patients pay their bills over time. They may also have sliding fee scales that let you make payments according to your income level.

Does this program accept my health insurance plan?

If so, will the provider file claims on my behalf?

Do I need to get preauthorization for any of these services?