If you’ve decided to get treatment for your addiction, you’ve made the right decision. However, just as with many other things in life, it can be difficult to get the help you need if you don’t think you can afford to pay for it. The good news is that there are options available to help cover some or all of the cost of treatment. Take a look at those options in some detail.
Do Not Let the Cost Deter You: There Are Ways to Pay
Even if the cost of addiction treatment seems high, the cost of not getting help is greater, as you could lose your friends, your family, your health and your professional opportunities. If you run afoul of the law, you could spend time in jail or suffer other consequences. Therefore, don’t think of the cost of treatment as a “cost,” but rather an “investment” in your long-term sobriety.
If you have insurance, you may be able to have your insurance provider pay for some or all of the cost of treatment. You may be limited in the type of treatment you receive, but you should be able to find a program that fits your needs. Talking to your insurance provider can help you determine if your policy covers an out-of-town treatment facility or whether you can go to an inpatient program if you need it. In some cases, you may be reimbursed for outpatient treatment, while being responsible for any inpatient treatment you receive.
The good news is that many policies cover drug and alcohol rehabilitation. In most cases, policies offered by insurance companies through the Affordable Care Act will provide a minimum level of treatment coverage for those who purchase a silver level plan or higher. In the event your policy doesn’t cover what you need, it may be possible to purchase a more comprehensive policy before starting your rehab program.
How to Cover the Cost of Addiction Treatment
In addition to relying on your insurance to help pay for the cost of addiction treatment, there may be other ways to help you pay. You may wish to look into getting a zero percent interest credit card, or even third-party financing programs to pay for your treatment. While you’ll still have to figure out how to pay for your treatment at some point, at least you can worry about getting the help you need before it’s too late.
Your employer may be willing to help pay for your rehab. Many employers have employee assistance programs that allow employees to receive their salaries in advance to pay for the help they need. In some cases, you may not need to promise to work for the company until the money is repaid. Alternatively, your employer may be willing to give you the money as a goodwill gesture and a sign that its leaders believe you’re serious about getting help and becoming a productive employee in the future.
The rehab facility may be willing to charge you on a sliding scale based on your ability to pay. Depending on your income, it may not cost you anything to get the help you need. This is more likely to be the case at rehab facilities run by charities or those receiving assistance from charities or government funds.
Your Ability to Get Help Should Be All That Matters
Most facilities that offer rehab services are more concerned about your ability to get better as opposed to your ability to pay for services rendered. In many cases, there’ll be a way you can pay for treatment, whether or not it involves money. For example, you may agree to stay at the facility and help others overcome their own addictions in exchange for free or discounted services.
You may even be able to receive discounted rehab services in exchange for working on the grounds during your treatment or after it has been completed. If such an arrangement isn’t made available to you, it may be possible to ask your friends or family members for financial help. They can also help you find the financial resources you need, even if they aren’t in a position to help out themselves.
If you’re worried you won’t be able to pay for your treatment, rest assured you’ll find the resources you need. Whether you decide to ask your friends and family members, use an existing insurance policy or ask the facility itself to help you out, there’s a good chance you can find a solution that works. Your first step should be to call the helpline at 800-447-9081 to find out more about what you can do to get inpatient or outpatient treatment for your addiction.