Paying for OUD Treatment
Options are Available
As Substance Use Disorder is more widely recognized as a treatable medical condition, payment options have improved. Insurance companies, public funds, and sliding fee scales can aid in paying for treatment. Private insurances often cover a portion of SUD treatment, and sometimes the entirety of it. There are also public assistance options available for treatment resources in the state of MN.
SUD Treatment Coverage
The following information has been pulled directly from information made available by health insurance agencies. Please note that benefits vary from insurance provider to provider and from plan to plan and is subject to change. To find out more information, be sure to contact your provider directly or visit their website.
“Many policies under United Healthcare cover a portion of addiction treatment services, including detoxification and inpatient rehab. The amount of coverage depends on your chosen plan level and your residential location. To better support individuals searching for ways to overcome their addiction, United Healthcare created a United Behavioral Health division. The division provides confidential substance abuse and mental health services to ensure the highest potential for recovery possible”. [May 31, 2021]
“Depending on your chosen plan, Cigna will cover many of the addiction treatment expenses you’ll be responsible for when you choose an inpatient or outpatient facility. People looking to treat their addiction will be served by Cigna’s Behavioral Health division, which is dedicated to providing educational tools and resources for overcoming their substance abuse. Treatment coverage and costs greatly depend on your specific plan and where you’re located.” [May 31, 2021]
“While many insurance policies set a limit on the level of addiction treatment a person may receive, Aetna takes a more individualized approach. The company will work with an individual’s needs to determine how much coverage is needed for a successful recovery. They’ll also help people find therapeutic and aftercare support services in their community. Those with Aetna insurance may be covered for partial hospitalization, detox, inpatient rehab and continuing care, but it’s important to contact your provider to check what’s covered under your individual plan.” [May 31, 2021]
“People wishing to heal from their toxic abuse patterns can be covered for detox services, inpatient rehab or partial hospitalization – depending on the plan they’ve chosen. In addition, those who suffer from addiction have access to around-the-clock support and educational tools thanks to the company’s OneHealth mobile platform.” [May 31, 2021]
“UCare’s Mental Health and Substance Use Disorder team helps our members receive appropriate care for mental health or substance use disorders. […] Services and care might include counseling, medication or a combination of both that seek to change behaviors, thoughts, emotions and how one sees and understands things. Medications often provide relief to help manage symptoms. For many, a mix of counseling and medication is best.” [August 25, 2021]
Financial Assistance
Minnesota’s Chemical Dependency Consolidated Treatment Fund (CCDTF) is a State-operated, County managed system that provides chemical dependency treatment to individuals eligible for public assistance. Counties, following State guidelines and procedures, enter into provider contracts that assess clients applying for treatment services, and determine how to best provide services to meet the determined needs of the person. The CCDTF is the largest single treatment funding source in Minnesota, functioning as the primary payment source for 45% of all treatment admissions. Click here to see eligibility guidelines.
Some treatment programs offer sliding fee scales, which can make treatment more affordable. Providers may allow the client to pay an adjusted rate based on household income, reducing the costs for patients with limited income.