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Payment Options For Drug Rehab Centers
When you decide to go for addiction treatment, you should start considering your payment options for drug rehab centers. Although the cost of treatment is usually a deterrent for addicts in dire need of help, you should not worry too much about it.
While thinking about your payment options for drug rehab centers, therefore, you need to remember that the cost will vary significantly from one facility to the other. In most cases, it will be pegged on the level of care and management you need.
To this end, residential or inpatient drug rehab centers often provide the highest levels of care. As such, they tend to be the most expensive in the long run - even though they have also been proved to have the highest rates of success for their patients.
Outpatient treatment programs, on the other hand, often cost much less than you'd pay at a residential center. However, they might be disadvantageous if they do not offer enough support to ensure your sustained recovery and abstinence in the long run.
Payment For Addiction Treatment
Regardless of whether or not you have adequate health insurance coverage, there are many payment options for drug rehab centers. For many years, people who were struggling with substance use and co-occurring mental health disorders were unable to pay for comprehensive treatment - especially if they did not have the funds or insurance to cover rehabilitation. At the time, they could only access free programs such as 12 step support group programs, short-term detox, and hospital-based treatment.
Today, this is no longer the case. The sources of funding and changes in the political climate over the last 30 or so years have made it possible for many to access the treatment that they need to overcome their substance abuse and addiction.
Even as you continue considering the different payment options for drug rehab centers, it is imperative that you also focus on getting better instead of worrying and stressing yourself out about how you are going to offset the final cost of addiction rehabilitation.
In the long run, you will discover that the cost of your ongoing addiction will be far higher than what you will pay for treatment - both in terms of finances and otherwise. According to soros.org, the total cost of medical treatment reduced by close to 26% among patients in rehabilitation in comparison to those who refused such treatment.
Even so, rehab programs can sometimes be quite expensive to attend. This is why you should think about your payment options for drug rehab centers before you choose a facility. By so doing, you may even be able to plan how you are going to offset the cost of treatment.
Different Payment Options For Drug Rehab Centers
Most of the people who are in need of rehabilitation services for drug and alcohol addiction might not be in the best place to afford to pay for the care they will receive. If you find yourself considering how you are going to clear your final bill, therefore, you should remember that there are many different payment options for drug rehab centers.
Some of the most common of these options include:
- Help from friends and family
- Paying with credit cards
- Selling your valuable possessions
- Taking advantage of the financing provided by some treatment centers
- Taking out home loans
Each of these options might give you the money you need to finance your drug rehab. However, there are many other options that you can count on to cover the total costs of addiction treatment.
Some of these options are:
As we mentioned earlier, there are many payment options for drug rehab centers. In particular, the Mental Health Parity and Addiction Equity Act that was passed in 2008 is now in full effect all over the United States.
In particular, this Act conclusively established legislation requiring insurers to provide coverage for the treatment of substance abuse and co-occurring mental health conditions in the same way they covered surgical and medical care.
Additionally, the Affordable Care Act now makes health insurance coverage accessible and affordable for small business owners, families, and individuals. The Act has also included early intervention, treatment, and prevention of substance use and mental health disorders essential health benefits. This means that they must all be covered by every health plan offered by insurance companies.
To this end, most of the private health plans that you might find will cover a minimum of some of the treatment you will receive for your substance abuse. Some may even be able to cover such rehabilitation in its entirety. Therefore, you might want to check your carrier's website or call them to learn more about their benefits coverage for addiction treatment and rehabilitation.
Alternatively, you can get in touch with drug treatment facilities and ask them to do this on your behalf - especially if you are not yet sure about what you should ask. These facilities can even check if they are in the network maintained by your provider, as well as the services and duration of treatment you are entitled to under the plan you are on.
2. Personal Financing
Apart from insurance, there are other payment options for drug rehab centers. If your insurance does not cover the total cost of care you require, you should consider using your financial means to offset these costs.
Although this might not be an option for many addicts - given the relatively high cost of ongoing and compulsive substance abuse - this might not apply to you. As such, you might find that you can pay for your addiction treatment.
Even so, you may still have some concerns that you might have nothing left in your savings account once you complete treatment and rehabilitation for your drug and alcohol habit.
The best way to deal with these thoughts and worries is to remember that undergoing treatment for a problem that could potentially ruin your life, relationships, productivity, career, and health is a sound financial investment.
To this end, you should not worry that you have to use your hard-earned assets and savings to deal with the substance abuse problem. Remember, if you had not made this decision, drugs and alcohol could continue ruining your life - or even ending it.
3. Personal Loans
Personal loans are another one of the many payment options for drug rehab centers. If you are worried that you might not be able to offset the cost of addiction treatment, therefore, you should consider reaching out to your family members and friends for grants, gifts, and loans. After all, your ongoing substance abuse will affect them in many different ways.
However, you might find that the last thing that your family and friends want to do is send you money - especially if they are aware of your drug and alcohol abuse problem. Even so, if you explain that they will be sending the money directly to an addiction treatment center, they may be more than willing to lend a helping hand. This will eliminate their fears that you are planning to use the funds to purchase your preferred substances of abuse.
Although you might feel uncomfortable asking for help, you should always remember that you need others to achieve strength in recovery and sobriety. In fact, this is one of the valuable lessons you will learn once you finally get enough money to check into a drug rehab center.
Even so, if you find it hard to obtain personal loans and gifts from family members and friends, you can still opt to get financing to deal with your addiction. The most common options here include taking out a bank loan or paying for treatment with your credit cards.
In any case, you will find that the payback terms that come with your credit card make it easy to continue making payments for your stay at an addiction treatment and rehabilitation facility.
However, you should still take some time to look for cards with low rates of interest. If you fail to do this, this option could potentially end up becoming expensive - much more than you had initially anticipated.
Luckily, you can find credit card companies that defer interest rates by providing healthcare credit cards - if you use the card for expenses related to healthcare and medical services - including treatment for mental health disorders and substance abuse.
Apart from these cards, you can also take out a personal bank loan. Use the same thinking you used with the cards while obtaining these loans. This means that you should only choose loans with low interests rates and flexible payback terms and conditions. Through such loans, you could potentially lessen or eliminate the expenses you pay out of pocket.
4. Addiction Financing
Among the various payment options for drug rehab centers are financing plans. Today, many alcohol and drug treatment facilities offer financing to their prospective clients. Such funding might originate from the center directly, or it may arise from the fact that the center is working with 3rd party lenders to ensure that their patients have affordable lending packages.
This is among the attractive options for many people battling substance abuse and addiction. Most of the centers that offer such financing will also create attractive packages that you can comfortably start paying back once you check out of the facility.
5. Government Programs
You can also deal with the cost of alcohol and drug addiction treatment by choosing state-run and federally funded rehabilitation centers - most of which provide the public assistance you need.
Depending on where you live and choose to seek treatment, these rehabilitation programs might be provided by separate agencies. However, they may also be included under another health and/or behavioral health department. Either way, they should be able to offer both inpatient and outpatient care, as well as ongoing support and aftercare services.
While considering these payment options for drug rehab centers, you should keep in mind that most public programs come with specific requirements that you have to meet before you are considered eligible for assistance. Some of these requirements may include:
- A demonstrated inability to pay for treatment through other methods based on your income
- Proof of citizenship
- Proof of residence within the state where the program is provided
- The degree, extent, and history of your substance abuse and addiction
The only disadvantages with most of these federally and state-funded programs are that they are so popular among addicts. This is because many people who have ongoing problems with drugs and alcohol are poor, unemployed, and without any other option because they have been abusing intoxicating substances for so long.
As a direct result, the program might have a long waiting list that you will have to join before you get the treatment and rehabilitation services you require. Luckily, most of these programs do provide some levels of support and assistance as you continue waiting for an opening.
6. Samhsa Grants
In keeping with the point above, SAMHSA is another source of federal financing for people who choose addiction treatment programs in their state. In particular, SAMHSA provides block grants like SABG (or the Substance Abuse Prevention and Treatment Block Grant). These grants offer treatment and prevention programs for substance abuse for people from specific demographics.
Some of the people who might qualify for such a grant include intravenous drug users, postpartum women, and pregnant or expectant mothers. Check the SAMHSA website for more details about these grants.
Additional payment options for drug rehab centers include:
- Checking into a non-profit treatment center
- Selling items of value
- Taking out home loans
With so many payment options for drug rehab centers, you should not have any reason to refuse the help you need to overcome your substance abuse and addiction. Although some of these options might be difficult to obtain and use, take your time and enroll as much help and support as you can. In the long run, you will be glad that you invest your time, money, and effort in getting the best form of rehabilitation possible.
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