Checking into a rehab center is an important part of getting clean and sober. If you are addicted to drugs or alcohol, you should always seek professional help as soon as you can. Medically supervised detox and intense therapy sessions are crucial for getting clean and staying that way.
Unfortunately, you may find that the treatment for drug and alcohol addiction is overwhelming. This will be especially true if you opt for an inpatient stay, as there are many amenities that are covered during your time there. Inpatient stay includes medically-supervised detox, all meals, room and board, therapy sessions, and more. So what can you do if the cost is too overwhelming to think about? Read on for some ideas on how to cover the costs of such an important aspect of your life.
1.Check Your Insurance Policy
A lot of clients do not realize that their insurance plan actually covers some or all of the costs associated with drug and alcohol treatment. Call your insurance company or check online to find out what they will and won’t cover. While some plans only cover a small portion of services, others may cover an entire stay. The specific coverage is going to depend on the policy itself and the state that you live in.
Ask your representative the following:
- Will I need a referral from my doctor in order to check into a rehab clinic? Is prior authorization necessary? How long will it take to be approved?
- What rehabilitation facilities are in my insurance network?
- Will there be limits on how many days or sessions of treatment are covered?
- Will I have any out-of-pocket expenses? What are they? When will they need to be paid?
- Once you have all of the facts on hand, you can start looking for a rehabilitation center that fits your needs.
If you do not have insurance and cannot pay for rehab out-of-pocket, consider crowdfunding. This is often an easy and effective way to raise money for drug rehab. Use different crowdfunding platforms to ask family, friends, coworkers, and even strangers for the money you need for addiction treatment. Take advantage of social media to spread your need for assistance. One popular choice is GoFundMe; however, there are a number of crowdfunding platforms you can try. Don’t be afraid to ask for help-you are worth it.
3.Use Your Retirement or Savings Account
Nobody wants to dip into the money they have set aside for retirement or for an emergency. However, drug abuse could absolutely be classified as an emergency situation! Plus, when your drug use spirals out of control, you will likely use your savings or retirement to fund your habit anyway. Pull out the money now to better your life and possibly even save it.
If you are currently working, you may be surprised to find out that your employer offers an assistance program that could cover rehab costs. These programs are designed to help those in need of help due to drug and alcohol use or other personal needs. They can help you pay for treatment when you don’t have any other options. Talk to your boss or someone from human resources to find out how you can utilize this program.
There are many programs designed to help addicts get the treatment that they need. For example, state-run programs may cover certain fees associated with rehab. Check into the following:
- Grants from SAMHSA, or the Substance Abuse and Mental Health Services Administration
- The Affordable Care Act
- Locally funded programs
- U.S. Department of Veterans Affairs
These programs may pay for all or part of your drug or alcohol treatment. Consider them before paying for any costs out-of-pocket.
Rehabilitation centers understand that costs can be too much for people. That is why they often offer payment plans for those who do not have the money to pay for treatment. They may base your payment off of what you currently bring in from your place of employment. Talk to the rehab about their available options concerning payment plans.
Don’t let the cost of rehab services scare you away from getting the help you so desperately need. Sure, it can be expensive. But your life and health are worth the expense. At our rehab, we want to make sure you receive the best help for your addiction. Give us a call today at 833-610-1174 to learn more. We are here day and night for your needs.