Medicaid is one of the common options that you can use to offset the cost of addiction treatment and rehabilitation. This is an useful option, especially considering that this type of treatment can end up costing more than $10,000, and many people might not be able to afford to pay for it.
When the ACA - the Affordable Care Act - was passed in 2010, it expanded access to this public insurance program for many people in the United States. Now, it offers coverage for people who earn up to a maximum of 138 percent of the FPL - or the federal poverty level.
Research has shown that Medicaid has allowed many more people to access the addiction recovery services that they need - much more than before. Among states that have expended the program, the total number of people who were hospitalized due to a behavioral health problem - including but not limited to substance use disorders - has been decreasing.
Although private insurance companies are now required to follow parity laws and offer coverage for behavioral and mental health disorders such as addiction, many of these policies come with high upfront expenses. These expenses typically make it difficult for many people who are addicted to drugs and alcohol to access the recovery and treatment services that they need.
Additionally, many private insurance policies come with high deductibles that you need to pay before you can activate the insurance benefits that are owed to you. Since these deductibles tend to be high, you might not be able to manage them. For this reason, there is a high probability that private insurance might not be the right option for you if you are going to need addiction treatment services.
With Medicaid, however, these drawbacks and deductibles are practically non-existent. As such, it might be much easier for you to access to the addiction recovery programs that can help you overcome your substance abuse and addiction and manage any other co-occurring mental health and medical disorders that you may also be struggling with.