While there were laws passed with the Affordable Care Act requiring insurers to provide coverage options for diseases like alcoholism and drug addiction, that doesn’t mean that every single insurance plan has this coverage. The perceived “high cost” of rehab is what keeps a lot of people from even considering treatment centers, but the fact of the matter is that the cost should be the last thing on your mind. Regardless of your financial situation, there are plenty of options to help you get into rehab without insurance, and without going into debt.
Before you assume that you can’t afford rehab, take a look at your options. Get an idea of the type of treatment program or facility that would suit your needs or those of your loved one, and then find out what the prices are like for treatment. Intake counselors and other staff members understand the importance of having financial options for people. Most facilities will offer some type of financial counseling or staff that can assist you with understanding rehab costs and the available financial options.
Financial Assistance Comes in Many Forms
There are many options available to offset the costs of rehab. In some cases, people might even get their bill paid in full without spending much, if any, out of pocket. These are the most common financial options for those seeking rehab for drug or alcohol dependency:
-Medicaid and Medicare
-Crowdfunding or fundraising
-Local and state government programs
-Non-profit or work-exchange programs
-Employee assistance programs
Medicaid and Medicare are available to qualified persons who are over the age of 65 or disabled. Medicaid is also available to those who are under the age of 19, who are pregnant or have children, and those who have a limited income. Both programs include health benefits for addiction treatment and recovery. There are also local and state government programs that may provide financial assistance to cover the cost (or at least part of the cost) of an inpatient or outpatient treatment program.
One popular choice, especially for the younger generation, when it comes to paying for the rehab treatment, is to raise the funds through social media or popular crowdfunding websites. People like to see others succeed, and friends and family are generally more than willing to donate to such a cause because it is going to help someone get back on their feet. Whether you start a campaign on a crowdfunding site or just ask your friends and family for a loan or other assistance, you might be surprised at just how much people are willing to help.
Use Your Resources and Ask for Help
If you’re considering rehab, you have already taken the biggest step in the process. Asking for financial assistance is easy, and shouldn’t be something that you are ashamed of. As stated above, rehab centers understand the importance of what they do and how prohibitive the financial aspect of treatment can seem to those who are just getting started. They will work with you to find a way to make treatment work, regardless of the cost or your financial means.
When you are considering how to pay for addiction treatment, don’t forget about things like Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) that you may have through your employer. While these funds may not be able to be used for all aspects of rehab treatment, they can cover a significant amount of the expense. While you’re at it, consider checking to see if your employer has an Employee Assistance Program in place for things like substance abuse and/or mental health treatment that may help cover the costs of a treatment program.
Non-profit groups and organizations may have funds and rehab services available to people, as well. These could be in the form of grants, work-exchange programs, or even just assistance with fundraising and finding ways to pay for treatment. There are a lot of tools and resources out there to choose from. You can even use credit cards to pay for treatment if you have to, but this should only be done if necessary. As an additional tip, consider specific medical credit cards that will have easier approval lower interest rates and fees than a traditional multipurpose credit card.
The ideas listed here are designed to help you understand where to start your quest for financial assistance when it comes to going to a rehab facility. Call our helpful staff to discuss your situation now and we’ll make sure that you get the solutions that you need regardless of your financial situation. You are not alone in your fight. Contact us today at 833-762-3739 to see how we can help!