Starting a treatment program can be daunting, especially when you aren’t sure how to pay for it. Many people struggling with addiction have difficulties with finances including bankruptcy and lack of health insurance. But it is possible for you to receive treatment at a rehab center even if you’re uninsured or underinsured.
Many treatment centers will only accept patients who have insurance, but this is not true of all treatment centers. Some centers also have sliding scales of financial responsibility, in which the amount a client pays is structured to fit that client’s financial situation.
The type of rehab that you enroll in will affect the cost of treatment. Luxury rehabilitation centers have access to amenities you might find in a resort. Standard rehabilitation centers still provide a high quality of care, but they have more standardized accommodations and lack luxurious amenities.
When searching for the right center to fit you, you should find out whether the centers you’re interested in will take uninsured patients. You should also find out whether they accept sliding scale payments or Medicare and Medicaid. State-funded rehabilitation centers are also an ideal option for people who need affordable treatment plans.
State-funded rehabs are rehabilitation centers that use government-dispensed money to support their clients. Because their funding comes from the government, clients rarely have to pay large amounts of money for their own treatment. State-funded rehabs offer a wide range of services from inpatient rehabilitation to outpatient treatment.
The number of resources available varies widely state-to-state, as do the ways for a person to qualify for treatment there. You can do research on your specific state’s resources and requirements to find out if a state-funded rehab is a viable option for you.
To enroll in a state-funded rehab, you’ll need to show proof of residence, proof of your income status, proof of your legal US residency, and information about your addiction history and the degree of your addiction. Once this information is received, the state will determine what services you’re qualified for.
One downside of state-funded rehab centers is that they sometimes have waiting lists for inpatient treatment. Because it’s important for help to be readily available when people seek it, many state centers will offer outpatient programs and medical service for people waiting for a place in an inpatient center.
Some state centers only provide medical management and detox services rather than having counseling options. These places will refer you to self-help groups and counseling services after you’ve detoxed. State rehabs also may not keep up with the latest treatment trends that private treatment centers employ. It’s worth noting, however, that even underfunded state rehab centers have been proven far more effective at addiction management and relapse prevention than no treatment at all.
Ways to Pay Without Insurance
If you choose to enroll in a private treatment center that accepts patients without insurance, you’ll need to have a payment plan ready. Contact the center to find out about their sliding scale policies, whether they accept Medicare coverage, and whether they have any scholarships that they’ll offer to uninsured patients. If you qualify, you can also apply for grants to fund your treatment.
The following strategies can help you with paying for your treatment:
Financing Your Treatment Stay
Usually, financing is the best option for people who can’t currently afford treatment but need it immediately. This uses the same principle that you’d find when buying a car or a home — most people don’t have the full amount of money on hand at once time, so they take out a loan with a repayment plan in place.
When you take out the loan, the bank will send the full cost of treatment directly to the rehabilitation center. You’ll be given a repayment plan optimized to suit your budget.
The plans available to you will depend on your bank and on the rehab center. Generally, you won’t need to start repaying the loan until after you complete your treatment. Certain plans will offer a six month grace period during which you can find a new job after treatment. These plans are ideal for people who don’t have insurance or a job when they enter treatment. Other plans allow you to start repayment right away. These are ideal if you or one of your family members is prepared for immediate repayment.
Personal Savings for Treatment Expenses
If you have personal savings, you might want to use some of these to pay for your treatment. Nothing is more important than the ability to live a happy, healthy life. You need treatment to get back on your feet; failing to get treatment for a debilitation addiction will be more financially devastating for you in the end.
When you complete treatment, you’ll have the tools you need to prevent relapses. You’ll no longer need to spend money to maintain your addiction. You’ll also have job opportunities that may not have been available to you before, so you can replenish your savings.
Crowdfunding for Rehab
Your friends and family may be willing to loan you money for your treatment. If you don’t have loved ones who are able to finance treatment, fundraisers can help you acquire the money you need. You can sell your personal items to raise the money for treatment, and you can also ask for donations.
Fundraisers are an ideal option for people who need treatment in a private facility but aren’t sure how to finance their treatment. The downside is that raising money may take some time, which means that treatment won’t be immediately available.
If you need time to raise the money for your treatment, your best option is to seek outpatient counseling and mental health services while you wait to have the money for inpatient treatment.
If you’re ready to take the first step toward recovery, our counselors are available to answer questions and offer help 24 hours a day. Call 888-380-0342 for information and resources to move forward with your recovery.