How to Pay for Drug Rehab
Dealing with substance abuse can be one of the most trying times in someone’s life. If you or a loved one are seeking treatment for drug abuse, one of the most stressful considerations can be how to pay for drug rehab. While the cost of substance abuse treatment can vary quite significantly depending on the location, level of care and type of treatment required, many people make the mistake of foregoing treatment because they don’t know how to pay for drug rehab. However, no matter what the situation is that you find yourself in, there are multiple options on how to pay for drug rehab.
The most important thing to consider is that drug addiction is a serious disease which, if left untreated, can lead to significant health issues and in some cases, can even be fatal. Because of this it is crucial that those who are struggling with substance abuse receive some sort of treatment. The good news is that regardless of you or your loved one’s financial situation there are options for help available to everyone.
One of the biggest factors in terms of the cost of treatment is the type of treatment needed. Inpatient residential programs, which are often the most successful and effective forms of treatment, are also typically the most expensive. However, there are other options for treatment available including outpatient treatment, individual counseling and sober living programs. Because everyone’s situation is different, it is typically a good idea to consult a substance abuse professional in order to assess you or your loved one’s individual needs.
Because of the numerous options available, asking the question how to pay for drug rehab should not be the largest determining factor when it comes to choosing the level and type of substance abuse treatment. It is more important to receive quality effective care than it is to find the cheapest care available. Sober Times can help assess your specific substance abuse treatment needs, as well as your financial situation, in order to help find the most appropriate option for you or your loved one who is struggling with drug abuse or alcoholism.
There are a few common ways which most people chose to pay for drug treatment. Those include medical insurance, private-pay and financing. While those are the most common, they certainly are not the only options. The most crucial thing is that you do not get discouraged. The amount of resources out there for substance abuse treatment are quite staggering and so far-reaching that there is almost no situation someone could possibly be in which would preclude them from getting access to some form of substance abuse treatment.
Health insurance is one of the most common and popular ways that individuals and families choose to pay for drug rehab. Most private health insurance policies typically include coverage for some sort of substance abuse treatment which can help to offset the costs of drug rehab and sometimes can even pay for everything with no out of pocket cost to you or your loved ones.
Every health insurance company and individual policy has different levels of coverage and restrictions on what treatment centers it will cover treatment at. It is important that if you are choosing health insurance as the way to pay for drug rehab that you make sure and inform yourself on these facts. This can be done in a couple different ways. First, you can easily call your insurance company yourself and inquire about how to pay for drug rehab using your insurance. They will inform you of the amount that they will cover and the programs which you are eligible to go to. Usually the insurance companies will have a small list of programs which are covered by your policy, however some of the best programs in the country are often times not on those lists. The second option available is to call Sober Times where a professional substance abuse advisor can analyze your specific policy, as well as your treatment needs and suggest the most appropriate facility for you.
Because all insurance policies differ, the amount of treatment costs that they will cover varies quite a bit. Some policies will cover the entire amount of treatment, however most cover a certain percentage. Typically, there is a deductible amount associated with your policy which you are responsible for. Once that deductible amount has been met the insurance company will pay for a percentage you’re your treatment which can range from 50% all the way up to 100%. Most policies also have what is called an out of pocket maximum, also known as a stop-loss amount, which once met means the insurance company will cover 100% of all associated substance abuse treatment costs.
Below is a list of some of the most common forms of private health insurance which cover drug rehab:
- United Healthcare
- Blue Cross Blue Shield
- Beacon Health
This is a list of some of the most common insurance companies but there are many more which are not listed which also cover substance abuse treatment. If you have specific questions about your insurance you can call Sober Times and an advisor will help assess your specific insurance situation and options.
Unfortunately, there are a significant number of people across America who are not currently covered by private health insurance and therefore are not able to utilize it to cover the cost of drug rehab. This does not mean that you or your loved one cannot receive quality substance abuse treatment. Another very common and popular solution for how to pay for drug rehab is private pay. Under these circumstances, an individual or their family will pay for the cost of treatment themselves as opposed to a health insurance company. This can be a daunting proposition, however there are treatment programs for virtually anyone’s financial situation and abilities ranging from expensive resort like treatment programs to relatively inexpensive programs which are surprisingly affordable.
Many private facilities offer partial scholarships or discounted self-pay rates for those who are paying out of pocket and not utilizing health insurance, so it is important to ask any facility you are considering about potential discounts for private pay. If you or your family are considering private pay for drug rehab, then Sober Times can help to assess the specific financial situation and find the most appropriate facility and price for treatment available. There are an almost endless number of different options for treatment, all of which can be overwhelming to consider, we can help guide you through the process and make sure that you and your family are not left in a difficult financial situation due to private pay costs.
In fact, families are often one of the most significant resources when it comes to how to pay for drug rehab. Many times, the private pay cost of treatment can potentially be difficult to manage for a single individual, especially if they are dealing with the consequences which often are associated with drug and alcohol abuse. However, this cost is usually much more manageable when a group of family members or friends pool their resources in order to help someone get the substance abuse treatment that they desperately need. In most situations family and friends are more than happy to contribute to someone’s treatment costs as it means that they are going to recover as a person and be able to live a happy and healthy life moving forward.
Sometimes even the smallest cost of private pay treatment can be too much for someone to initially pay for drug rehab. Perhaps there are no family or friends that are able to help, or maybe you and your family’s financial situation is already stretched to the limit. This does not mean that you cannot receive treatment for drug abuse. In situations like these one of the most popular options for how to pay for drug rehab is financing. Financing the self-pay cost of treatment typically involves borrowing the amount required to pay for drug rehab and paying it back over an extended period of time as opposed to all up front.
This is often a great solution for those who need to self-pay for drug rehab but do not have the financial ability to pay for it up front. Instead, there are many healthcare lenders available which will cover the initial cost of treatment and set up a recurring payment plan for you to reimburse the cost of treatment over a period which can range from a few months to a few years, depending on your needs. Many of these lenders are quite flexible in their payment plans and will work with whatever you or your family’s situation is. Most of the time they are able to offer very reasonable interest rates and are able to work with a range of credit situations. If you or your loved one are considering financing for how to pay for drug rehab, then Sober Times can help. Our professional treatment advisors can assess your financial situation, treatment needs and credit in order to suggest the most appropriate lender and treatment facility for you.
Once you or your loved one have completed treatment, you can return to work and contribute small amounts every month to the balance until you have completely paid it off. This may seem like a significant undertaking, but it is manageable as long as you take it one step at a time. Remember, overcoming your drug and alcohol abuse is the most important thing you can do right now. Life becomes much easier to manage once substance abuse issues have been removed from the equation.
Get help now
The most important thing to remember when considering how to pay for drug rehab is that you are doing the right thing! It takes a lot of courage to admit that you may have a problem with drugs or alcohol and getting professional treatment for it is the best thing to do. The cost associated with drug rehab is often times a worrying subject for many people, but it shouldn’t be. There are options available for everyone and our job at Sober Times is to make sure that you or your loved one choose the most appropriate option for your situation.
Our highly trained and knowledgeable treatment professionals will make sure that the process of getting help is not overwhelming. Once they have assessed the specific situation they can help advise you on the type of treatment which is best suited for your needs, as well as help choose the best facility and counsel you on how to pay for drug rehab. They have helped thousands of individuals and families to find treatment and change their lives for the better.