You have finally acknowledged that you have an addiction problem. You are willing and ready to enrol in a drug rehab facility and get the help you need. However, you are not sure if you have enough funds to get the help that you need. This guide will help you understand the cost of drug rehab facilities and what you can do to pay for the treatment if you are not insured.
The truth is that drug rehab is costly. The cost comes from several factors that vary in each facility. They include:
- Location of the facility
- Inpatient vis-à-vis outpatient services
- Amenities and services offered by the facility such as spa, swimming, tennis, and yoga
- Time spent at the facility
- Duration of drug abuse
- Quality of services provided at the facility
- Aftercare treatment options
This is just but a few of the factors that affect the cost of the facility. It is difficult to give an estimate because drug rehab facilities offer personalized services to their patients. This means that the services and treatment programs provided to the patient are what determine the cost.
The first interview that the facility conducts before enrolment is very crucial. Here, the facility will need to know some personal details and create a treatment plan for the patient. If you cannot pay and are not insured, the following are some alternative payment options that might work for you.
- Free drug rehab programs – Some states offer to fund rehabilitation services to individuals struggling with substance abuse who do not have an income or are not insured. You will have to contact your local substance abuse agency and find out if this service is available in your locality. Most of these free programs have laid out specific requirements that the applicant must fulfill before being enrolled. An excellent example of one of these widely recognized programs is the Salvation Army’s rehab programs. The salvation army has been known to offer emotional, social, and spiritual assistance to people struggling with addiction.
- Fundraising – This old way of raising funds might be beneficial to you. Your loved ones and friends have seen you struggle with substance abuse and may be inclined to help. In this era, you can even conduct fundraising through online platforms and appeal to the public worldwide to cheap into your substance abuse recovery plan.
- Loans – Most people apply for loans to invest in vehicles, businesses, or property. When people think about getting a loan, they rarely consider that health is also an investment. If you are unable to raise funds, you can apply for a loan and create a payment plan that works for you. If you have an ad credit score, you could ask your loved ones to get a loan and pay for you. This way, you can pay them directly once you have completed your treatment plan. Alternatively, you can ask for a loan from a friend.
- Payment Plans – Some drug rehab centres offer payment plans to the person in addiction recovery who cannot pay the total treatment price upfront. During the first interview, you can ask for a payment plan and agree on the terms. This eliminates the financial burden of paying back a loved one or the bank.
- Scholarships and Grants – The Substance Abuse and Mental Health Services Administration (SAMHSA) gives people with drug abuse problems grants to enrol in a substance abuse program. You will have to reach out to the facility and confirm if they offer grants. Please note that the process of getting the grant is lengthy but worth it. You will have to fulfill the requirements set out to benefit from the grant.
- Savings – If you had planned to use your savings on another investment, you might want to reconsider and prioritize your health. If you fail to invest in your future soon, you will regret it because you are putting yourself at risk of making worse life decisions. If you have savings, then you can use them to enrol in a drug rehab program.
- Crowdfunding – There are so many ways of raising funds, including donations. If you are willing to share your progress with people, you can turn your process into a campaign.
- Personalized services – During the first interview, you can tell the facility to offer services that meet your budgetary needs. For example, you can opt for outpatient services rather than inpatient ones. This way, you will be able to access the facility, get your treatment, and go back home. Your interaction with the facility will be limited, and you will be exposed to fewer services and amenities, which will reduce the cost. Furthermore, you can get back to your responsibilities and replace the money you have invested in your health care program.
- Medicare and Medicaid – These are state-funded programs that are available in some states. You will have to confirm if it is available in your condition. If you meet the set requirements of benefiting from these programs, you can get help from both programs. They were set up in 1965 and have changed rapidly over the years. The two programs are entirely different. They have varying features when it comes to behavioural, mental, and drug rehab treatments. Make sure you research them to confirm if you qualify for either.
- Signing up for insurance – You might want to consider signing up for insurance. Insurance has a lot of benefits that might cover drug rehab and related treatments. Do some research on which insurance service provider works for you, then decide if this is the right time to secure your health insurance for the future.
- Subsidized coverage – This treatment option is offered through the government. It is a good option for people who are unable to afford the cost of drug rehab or insurance. This coverage has reduced premiums and is covered by the Affordable Care Act Insurance.