NJ Addiction Treatment Payment & Insurance Options

Insurance & Payment Options

Accredited Care with Affordable Options at Avatar Residential Detox Center

At Avatar Residential Detox Center in New Jersey, we believe high-quality addiction treatment services should be available to everyone who needs them, regardless of income. We make the insurance verification process quick and easy so that you can start receiving the quality treatment you deserve as soon as possible.

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Explore a Network of Insurance Providers that make Substance Abuse Treatment Obtainable

We work with various insurance companies that provide out-of-network benefits to keep our addiction treatment services within your reach. A list of out-of-network providers is as follows:

  • Aetna
  • AmeriHealth
  • Anthem
  • Beacon
  • Blue Care Network
  • BlueCross/BlueShield
  • Cigna
  • ComPsych
  • Great-West Life
  • Health Net
  • Highmark
  • MultiPlan
  • Optum
  • Preferred One
  • Premera
  • Regence
  • QualCare
  • Humana
  • Magellan
  • Empire Blue Cross Blue Shield
  • United Healthcare
  • Horizon Blue Cross Blue Shield

Addiction Treatment & Insurance FAQs

Professional treatment is critical to recovering from drug or alcohol addiction. The cost of treatment can often be a barrier, preventing people from seeking and receiving the help they need.

At Avatar Residential Detox Center in New Jersey, we want to answer all the questions you may have about how much rehab costs, whether insurance pays for addiction treatment and mental health services, and other related issues, which is why we have put together a helpful FAQ answering some of the most commonly asked questions about addiction treatment insurance coverage, self-pay options, associated costs, and more. Contact us directly to speak to our admissions staff to discuss insurance and self-pay options for our drug and alcohol rehab in New Jersey.

Does my Insurance cover Out-of-Network Addiction Treatment?

Avatar Residential Detox Center is an out-of-network treatment facility. While “out-of-network” can sound intimidating and that coverage can be limited, we are here to help you figure all that out. According to the Affordable Care Act (ACA), most health insurance policies must provide some coverage for addiction treatment services. Mental health and addiction treatment services are considered an “essential health benefit” offered through the health insurance marketplace. All health insurance plans are required to cover at least some type of partial coverage for behavioral health services, inpatient services, and substance use disorder treatment. Call us today, and we will help you determine what is covered to reduce any stress hindering your recovery.

Access to Out-of-Network Benefits

How to Utilize My Out-of-Network Insurance Benefits for Treatment

We know that trying to figure out what is covered can be an irritating process, we are here to help! Below are the short details and steps to work with your health insurance carrier to determine the potential cost of treatment services.

  • Gather your insurance information (Provider, Identification #, Policy Holder Information, etc.)
  • Call Avatar Residential Detox Center Admissions at (877) 209-1600
    • An Avatar Residential Detox Center Admission specialist will do all the work of verifying your coverage and out-of-pocket expenses with your insurance carrier.
    • We will review and discuss our findings from consulting with your insurance carrier to make the best plan for your recovery journey.

What if I cannot afford the out-of-pocket expenses?

At Avatar Residential Detox Center, everyone deserves a chance to recover. While there is a potential that you are responsible for an out-of-pocket cost, Avatar Residential Detox Center is here to put you at ease. We provide several options for financial agreements and arrangements that allow you to receive the care you need now. Call us today to learn more about the options available to get the help you need now.

In-network with my insurance

What if I Don't Have Insurance? How to Pay for Rehab

If you are in a situation where you do not have health insurance, options are still available to help you cover the cost of addiction treatment. It is worthwhile to explore if you qualify for government healthcare benefits like Medicaid or Medicare. Many states offer aid for people who do not have private insurance, and some states have free, state-fund treatment options. In addition, scholarships or grants may also be available for those who need treatment but do not have insurance. The Directory of Single State Agencies (SSA) for Substance Abuse Services, managed by the Substance Abuse and Mental Health Services Administration (SAMHSA), can be a resource for finding assistance programs in your state.

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What are some additional options to assist with the cost of Substance Abuse Treatment?

  • Personal loans Many banks or credit unions will loan money for healthcare-related costs, including addiction treatment. Often, healthcare loans have lower interest rates compared to other loans. However, the loan and interest rate amount is contingent on your credit and other factors.
  • Payment Plans Treatment facilities often provide financial options allowing you to pay back the cost of treatment in small increments over time in good faith. Avatar Residential Detox Center is open to working with you and your financial means.
  • Scholarships Some treatment facilities, states, or government programs have scholarships to qualify individuals needing substance abuse treatment services.

Qualifying Life Event

Extenuating circumstances, such as a qualifying life event, may allow you to enroll in an insurance plan outside the standard open enrollment period. A qualifying life event may include the following:

  • Losing your healthcare coverage. This may include losing your job, no longer enrolling in school, losing eligibility for Medicare/Medicaid, or aging out of your parent’s policy (turning 26 years old).
  • Household changes include getting married, divorced, having a child (including adoption), or experiencing a death in the family.
  • Moving to a new residence. This can include moving to a different country or postal code, moving to or from where you work or go to school, or entering or leaving transitional housing.
  • Change in income, making more or less money. Changes in your income can affect your eligibility criteria for healthcare carriers or Medicare/Medicaid.
  • Gaining United States citizenship.
  • Getting out of jail or prison.

If you are unsure if you underwent a qualifying life event and want to explore healthcare insurance options available to you, call 1-800-318-2596 (TTY: 1-855-889-4325) to talk to an Affordable Care Act (ACA) marketplace representative about applying for insurance.