It’s a good thing that you have come to realize that your addiction issues are driving your life into chaos. Now that you know you have a serious problem, you should be ready to take the next step and seek help. Like so many people before you, you are going to find out that the only option you have if you want sobriety is to spend time in rehab. You can’t count on any other options because they simply don’t produce reliable results. As you contemplate going to rehab, you are going to have to deal with the fact rehab is not cheap. A good residential treatment center could run as much as $5,000 a month during treatment. We understand that an amount that large could serve as a deterrent to you getting the help you need.
We implore you to not let that happen. It might help for you to understand that the reason alcohol rehabs are so expensive is that the services are so vital. They are vital enough that top alcohol abuse treatment centers only employ the best addiction treatment professionals. After tacking on the cost of amenities to make the residential facility comfortable, it’s easy to see why treatment runs so high. While it is high, there might be some good news at the end of the treatment rainbow. There are a lot of ways you can cover the cost of rehab without it creating financial problems for you. With some options, you might not have to go out of pocket at all. We understand that you may see rehab as something that is hard for you to afford. If you continue reading the information below, you might see treatment is more attainable than you thought.
How to Pay for Rehab
The first issue we want to address is covering rehab with your healthcare insurance policy. If you have insurance as an individual or through your employer, a good portion of treatment might already be covered. Here is what you need to know about healthcare insurance and rehab. Back in 2009, Congress passed and President Barack Obama signed the Affordable Care Act (ACA) into law. Under the guidelines set forth by the law, healthcare insurance providers are required to cover addiction treatment costs as though they were any other kind of medical treatment. Furthermore, the ACA prevents insurance companies from discriminating against customers who have preexisting conditions. That matters in the world of addiction treatment because most addictions are preexisting. You should see all of this as good news if you have healthcare insurance as you should.
There is a caveat. It’s not carte blanche. Insurance companies only have to cover basic addiction services such as the following:
- Detox programs
- Basic residential care up to approximately 90 days
- Outpatient care
- Prescription medications that a doctor prescribes during treatment
It’s also worth noting that insurance companies only need to cover these costs to a reasonable extent. In other words, you might not be able to get coverage for an upscale treatment facility. Another thing you might want to keep in mind is insurance companies are typically liberal about covering outpatient costs. Why? They are much more affordable than residential care, and they want to motivate customers to go in that direction if possible. If you don’t have healthcare insurance, you still have some viable payment options that might not break the bank. You might want to consider some of these options:
- Using personal savings such as borrowing from your 401K or IRA as permitted by law
- Applying for a rehab grant or scholarship from endowments or charity groups
- Taking out a personal loan that you can pay back over time
- Requesting inhouse funding from your rehab center of choice
Yes, some of these options will cost you money. However, you will have time to make payments, which should relieve some of the financial burdens. Here’s the thing. You need help, and your options are limited. If you ask for financial assistance, you might come to find a lot of people and organizations care enough to help. We hope you will not let financial issues stop you from getting help. We would like to implore you to give us a call at 833-364-0736. After we discuss your circumstances, we will do everything we can to help you. That includes helping you find a way to make rehab affordable.