Financial help for drug addiction

My wife has been trying to

My wife has been trying to overcome a benzo addiction for the past year. We have been trying to do this ourselves at home but it is really difficult. I am looking to possible get her into a 30 day rehab or treatment center. Do you know if insurance will cover things like this? If not, is there anything that insurance will cover. It just seems really expensive and we do not have the cash.

Although many people don't

Although many people don't realize it, a lot of private insurance carriers do cover substance abuse treatment. If you have a copy of your insurance policy, it should specify what treatments are covered and what aren't. The easier way to find out is to call your insurance company and ask--there's probably an 800 number on the back of your insurance card that you can call. If you get your insurance through work, you can also ask your benefits coordinator or HR department. Be sure to ask what types of substance abuse treatments are covered, what the co-pay is, if you must choose from certain providers, and anything else you want to know.

Coverage can vary widely--some insurance plan cover nothing or only outpatient treatment, there may be limits on duration of stay in an inpatient treatment center, you may need a doctor's referral, etc. Your deductible will also apply, so you should expect to pay at least that much out of pocket.

If you don't have insurance or it won't cover treatment, you might still be able to find an option you can afford. Some rehab centers offer sliding scale fees for people with low incomes--many state and federally funded treatment centers do this. You can also ask facilities if they have a charity program in place to help people who can't afford treatment, or if they will agree to a payment plan.

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