New Jersey has approximately 1.7 million people under Medicare. Addiction treatment can become a financial burden if it continues for an extended period. Because Medicare, federal insurance coverage for people 65 and over, often covers 90 to 150 days. But if the treatment exceeds this period, you must arrange some other means of financial support to carry on treatment. What to do when Medicare runs out for rehab in NJ? Worry not. ChoicePoint offers addiction treatment even without insurance and with other commercial insurance programs. Fill out this form and schedule a call 844.445.2563 to verify your insurance and discuss treatment plans.
What to Do When Medicare Runs Out for Rehab in NJ
Don’t despair if you have run out of Medicare for rehab. There are some steps you can take:
- Don’t panic! Your finances won’t stop you from getting treatment.
- Discover other options around you that may curb your cost.
- Call your state Medicaid provider if you qualify for their coverage.
- Call the rehab center to discuss what they can do for you.
- Look around for other available options.
Call now 844.445.2563 if you want treatment without insurance in NJ!
What’s More, When Medicare Runs Out for Rehab
Fortunately, certain options are available to cover your cost of treatment without a halt. You may look towards:
a. Prepare to Appeal
Most rehab facilities in New Jersey will give you a letter depicting a “Notice of Medicare Non-coverage” two days before the service ends. You can appeal to your New Jersey insurance provider for a possible extension. You will need all the legal documents, medical bills, financial accounts, and a signed application form to file for an appeal.
b. Private Insurance
An expensive but quick option that you can get from an employer or private insurer. This option has certain benefits over Medicare that it covers those treatments as well that were previously not governed by Medicare.
c. Medicare Supplemental Insurance
An additional insurance plan that covers the cost of treatment besides regular insurance coverage. This option works best when you have run out of Medicare at the rehab. The type of insurance plan and coverage must be chosen before opting for this option.
d. Charitable Organizations
Reputable organizations that offer financial aid to people in need are another option when you run out of Medicare at the rehab. It is a long but financially helpful process that may assist you with your financial burden during rehab.
It is an option for raising money from the general public on websites. This might be tiring, and some research is required, but in the end, it does the job for you struggling with rehab finances.
When you struggle to cover rehab expenses due to low income and physical disabilities, you may benefit from Medicaid. In this case, the government provides financial aid programs for below-average income holders—for example, NJ family care. You need to make sure from the state provider if you qualify for it.
New Jersey state does offer Programs for All-inclusive Care for the Elderly, which cover services of Medicare and Medicaid combined. To qualify for it, you need to live in certain areas of new jersey in which agencies offer coverage.
h. Social Security Administration Programs
This program does not directly cover payment for addiction rehab. Still, in some instances, two of its program, Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) do cover addiction treatment costs for eligible people.
i. Department of Veteran Affairs
If you are eligible for VA, you will get the benefit of coverage for both
- Alcohol use disorder
- Substance use disorder
Treatments and all of its services ranging from detox, counseling, and relapse preventive therapy, are completely covered by the Department of Veterans Affairs Insurance program. You need to ensure that your treatment provider accepts this type of insurance and whether they offer a veteran addiction treatment program.
If you are a military personnel or your spouse belongs to the military, you are entitled to Tricare insurance. This federal insurance plan is specially designed for military veterans and active duty personnel—a good option in place of Medicare for covering the cost of rehab in difficult times.
k. Family Support
Look around if you have loved ones that care for you and may assist you when your Medicare runs out for rehab. This a safe option for those having family support at the back.
l. Out of Pocket Expense
A quick, easy, but daring option is to spend your own money on funding your rehab journey. This option is the best because you can manage what to choose in treatment costs and what you can avoid in expenses.
Still puzzled about what to do when Medicare runs out for rehab in NJ? Get in touch 844.445.2563 to get professional help and guidance!
Don’t Worry if You Don’t Have Insurance at All!
Don’t worry about what to do when Medicare runs out for rehab in NJ. ChoicePoint is an addiction treatment center in New Jersey that offers a cash treatment plan on the spot with minimum expenditure.
We also have other payment options available such as:
As well as cover the following addiction treatment setups with your insurance according to your budget and feasibility:
These setups include Detox through MAT, Psychotherapies, and Dual Diagnosis for long-lasting abstinence. Visit our website for more information, or Call us 844.445.2563 to get insurance coverage and treatment plan guidelines.