Can You Help a Loved One Pay for Rehab If Their Insurance Won’t Cover the Full Cost?

By the time you realize your loved one is stuck in the cycle of addiction, there’s a good chance their life is in turmoil. They probably have a mound of emotional and physical issues that are ravaging their life. The fact you are reading this information points to the idea you care about what is going on with them. There will finally come a point in time when your loved one will need to get help. You both should be aware that the only viable solution is going to be a stint in rehab. There are no self-help solutions that can offer the level treatment one needs to get past an addiction to drugs like heroin or cocaine.

Other solutions simply fail to address things the root-causes of the addiction. As you and your loved one set out to find the right drug and alcohol addiction treatment center, there are a few things you’ll need to consider before you’ll be comfortable you have found the right place. Some of those things include:

  • The cost of treatment at the facility
  • The types of treatment options available in the offering
  • The facility’s standing and reputation
  • The location of the facility
  • The types of aftercare programs offered for relapse prevention

All of these criteria are important. Remember, you and your loved one will want to find the most complete and comfortable treatment solution so as to allow your loved one to focus on one thing and one thing only, getting through treatment and establishing a lasting recovery. The cost of treatment is the first thing on the above list for a reason. It’s the first thing people have to consider if they don’t have unlimited resources. The following information will address the ways people can pay for rehab.

Paying for Rehab

Everyone in America should be aware of the Affordable Care Act of 2009 (ACA). It was the law signed under President Barack Obama that requires all Americans to carry some form of healthcare insurance whether it be through their employer or on a personal level. For most people, healthcare insurance is going to be the first payment option. Thanks to the provisions of the ACA, insurance companies are required to treat claims for addiction rehab the same as they would claims for any other kind of medical condition, even if the addiction is a preexisting condition. The only caveat is the level of coverage will be determined by the patient’s policy agreement. What happens if the patient’s healthcare policy only covers a portion of treatment? At that point, the patient will have to resort to other payment options. The most prevalent options would include:

  • Assistance from family and friends
  • Personal Loans and credit cards
  • From personal savings or 401K
  • Facility financing including scholarships

Assistance From Family and Friend

The answer to the article title question is an absolute yes. You can help a loved one help pay for some or all of rehab. It would certainly be considered a loving gesture. However, whether you should pay for rehab might be another question worth considering. There’s a fine line between helping and enabling. If your loved one is genuinely committed to working hard in rehab to establish and maintain sobriety, then by all means you should help to whatever extent you can. In cases where your loved one is going through chronic relapses and not following the rules of recovery, making things easier on them, like paying for rehab, might be in fact enabling them to continue their addictive behavior.

The Other Options

If you neither have the financial resources to help nor wish to enable your loved one, some of the other aforementioned payment options should be available. If personal savings are available for a rainy day, it’s raining pretty hard when addiction is destroying your loved one’s life. Taking out a personal loan or using credit cards to pay for rehab is always an option, though no one wants to exit rehab with a big mound of debt. If available, facility financing might be a good option. Rehab administrative bodies can be very sensitive to a patient’s plight, inspiring them to offer patient-friendly terms on any financing. Some facilities can offer scholarships because of endowments given by donors and former patients. Most facilities will do what they can to work with patients o get them into rehab. Your first priority needs to be getting your loved one into treatment. For information about how to pay for said treatment, please call us immediately at 833-762-3739.