Is Paying for Rehab Possible if You Don’t Have Savings?

Reaching the point when you know that you need help with your addiction is a major milestone. Not only have you accepted the need to stop using drugs or alcohol, but you are also ready to take the first step toward regaining control over your health and happiness. Yet, you still have some concerns about what going to rehab involves. After all, it’s hard enough just to keep up with paying your bills, and the prospect of paying for professional treatment may seem like too much.

The good news is that many people go to rehab without savings. In fact, it is common for someone to have drained their bank accounts while they were in the throes of dealing with their addiction. While things may seem bleak, there is actually truth to the belief that there is light at the end of every tunnel. Quality rehab programs know that people come in for treatment from all different places in their life. Hitting rock bottom often means that there is not much left to pay for rehab. While paying for rehab may be a challenge, it should never be a barrier to seeking help. You can use this guide to understand how much your time in rehab may cost along with ways to make sure that you can make getting sober affordable.

Typical Cost for Rehab

People often ask about what they should expect their time in rehab to cost. The truth is that there is no easy answer. While some people only need a short stay with minimal supervision, others need to stay in treatment for several months before they are ready to go back to their normal lives. Your rehab stay may cost different amounts based upon the services that you receive as well as your preferences for your time in treatment. For example, you may need to consider travel costs if the rehab center is located outside of your state. In this case, you may find that paying more is worth being in a place that makes you feel comfortable.

Your costs can also vary according to the types of health insurance that you have or if you will be paying out of pocket. Depending upon your health insurance program, you may be covered for a specific amount of time and anything after that will be your responsibility. Since there are so many variables, we typically recommend speaking with a member of the counseling team to determine how much you can expect to pay for your treatment.

Ways to Pay for Treatment

For people who have health insurance, this is the easiest way to get treatment covered. While it may take time to read through your policy and try to understand your coverage, it is worth the effort. You may also be eligible for special programs through your community or employer that offer scholarships to pay for rehab. Many community organizations recognize the need for treatment to be affordable and have established funding for people who are in need.

If you do need to pay the majority of your stay out of pocket, then you can talk to the admissions team at your preferred rehab to find out about potential payment plans that you can set up to pay out the costs over time. Keep in mind that you will need to meet your obligations just as you would with any other health care costs, but it will be much easier to do when you are sober. Depending upon your needs, you can also keep the costs lower by opting for things such as a shared room during a residential stay. Outpatient treatment also tends to be more affordable since you do not have to pay for things such as your room and board.

Financial Benefits of Getting Sober

One of the things that you will work on in rehab is learning how to look at the bright side in life. Instead of focusing on how little you have in savings, it helps to think about how you can build your bank account once you get sober. After you finish rehab, you can look forward to doing things such as keeping your job or finding a better one. You will also avoid things that drain your bank account such as getting arrested or having to pay court fines. These all make any costs that you incur during your rehab stay worth every penny.

Are you ready to stop worrying about how your addiction hurts you financially? Reach out to our team today at 833-762-3739to find out how you can attend an affordable rehab program.