How to Pay For Alcohol Addiction Rehab in Tennessee

Does short-term disability pay your wages during alcohol rehab?

Yes, many short-term disability policies pay a portion of your wages. Some rates of pay commonly land around 60%. In order to qualify, it is generally required that a doctor certifies you cannot work because you are in treatment. Tennessee has no state disability program, so your coverage will have to come from an employer or private policy.

Read the policy wording on your short-term disability plan before you apply. Some of these plans may limit or exclude substance use claims. Short-term disability is separate from FMLA, which protects your job for up to 12 weeks but is unpaid. Have a look at our FMLA leave calculator and call us if you want clarity on what kind of costs you may be looking at.

Will your employer find out if you use health insurance for alcohol rehab?

No your employer cannot find out you went to alcohol rehab through your health insurance. Employers generally do not have access to individual medical claims. Federal law, including 42 CFR Part 2, gives extra protection addiction treatment records. We cannot share details with your workplace without your written consent because of HIPPA constraints. So really, your employer learns about treatment only if you directly tell them or request leave.

If you do request medical leave, the paperwork may ask your provider to confirm a serious health condition and how long you will be away. You choose what to share. Our team can explain your alcohol rehab coverage options and help you make a plan for your work conversation before you start treatment with APEX.

Can AA or other free support groups replace paid alcohol rehab?

Yes free support groups can replace paid alcohol rehab for some individuals with a lower dependence and no for others who have a more severe physical dependence. Stopping heavy drinking suddenly may cause seizures or delirium tremens that need medical management. A free support groups is unable to offer medical support, but it can act as an aid to treatment. Free community meetings work best alongside outpatient treatment or after completing rehab treatment. Our specialists can connect you with 12-step recovery programs and non-12-step recovery alternatives after you step into the aftercare phase of addiction recovery.

Can you start with outpatient alcohol treatment and pay for inpatient only if you need it?

Yes, you can begin with outpatient treatment. Some individuals start with outpatient as a sensible way to control their cost. Standard outpatient care typically runs $2,000 to $10,000 a month, compared with $6,000 to $30,000 a month for standard inpatient care if you are without insurance. Insurers generally approve the level of care your clinical assessment supports, so it may be best to jump right into inpatient care if that is what your assessment concludes you need.

Your real concern during recovery should be your own safety. Sometimes before any outpatient program is deemed appropriate, supervised medical detox is medically necessary if an individual has been heavily drinking everyday. Outpatient alcohol treatment gives you the freedom to step up to a more intensive level of care if you are finding that your cravings or home life are making recovery difficult.