Congratulations! You decided to get professional help with substance abuse. Maybe you felt ashamed about seeking professional help in the past, and you thought that you could eventually quit on your own. Like many people, you may have started rehabilitation and then relapsed. We all make mistakes in life, but now you are ready to make a committed step to healing at a rehabilitation center. The only thing that seems to be in your way is– money. Rehab has several costs such as facilities, staff, medications, therapy, food, and more can total thousands of dollars. These costs can be overwhelming to those who want to recover and get their lives back on track. The great news is that cost doesn’t have to be a barrier to your recovery. If you want to move forward with your life and heal, here are some financial options to consider when thinking about rehabilitation programs.
What Should You Do if You Think You Can’t Afford Drug Rehab?
Insurance
First and foremost, if you have any health insurance, ask about coverage for substance abuse treatment. Many people may not know that health insurance can also cover substance abuse treatment. Changes in the law required that health insurance companies provide coverage for substance abuse as a legitimate medical condition. Therefore, depending on your policy and level of coverage, you may not even have to pay out of pocket because your insurance will pay everything to the treatment facility. If you want to be sure, you should get the coverage details before moving forward with treatment. Here are some critical questions to ask when you are talking to different rehabilitation facilities:
- How much does the program cost?
- Is this rehabilitation facility in my health insurance network?
- If the facility is in-network, how much of the program will my health insurance cover?
- How much do I have to pay out of pocket with my insurance?
Sometimes, the problem is not the lack of insurance but a high copay or deductible that also presents a legitimate barrier to getting help. Don’t lose hope! Many rehabilitation facilities will work with you and set up an affordable payment plan to work alongside your insurance. These plans will typically require an upfront payment, and then the rest is paid in monthly installments while your health insurance continues to cover their part.
Other options and Resources:
What if you don’t have any insurance? At first, the thought of having to pay everything out of pocket for the rehabilitation can be stressful. Don’t worry and give up on your goals! Even if you don’t have any insurance, consider some of these options to help you with rehabilitation treatment:
- In-house financing options: Many rehabilitation facilities offer in-house financing options and payment plans that will allow you to get the help you need. Call around and see which rehabilitation centers have programs for those who don’t have insurance. You may be surprised to find out that many rehabilitation centers have these programs. Some rehabilitation centers even have special grants and scholarships to help those in your position!
- Federal and state agencies: This may be another option if you find yourself unable to make any payments to a rehabilitation center. Many states have rehabilitation centers available for those in severe need of financial help. Be sure to check the federal and state resources to see what other help may be available to you.
- Free support groups: In addition to rehabilitation centers, you can also consider free resources in your community, such as anonymous support groups. There are also online communities that can help you connect with like-minded people and monitor your progress.
You may not know this, but simply deciding to conquer addiction is a milestone in itself! Money doesn’t have to be the deciding factor in your ultimate victory. There are many more milestones for you to achieve on your road to recovery, and we want to be here for you along the way. Contact us at 833-610-1174 today to discuss your treatment and payment options.