People tend to spend several weeks or even months making the final decision about whether to go to rehab. One of the main things that holds them back from getting the essential care and attention they need is cost. People either overestimate the cost of rehab or underestimate the value of addiction treatment.
If you don’t have health coverage, you’re probably wondering how to pay for drug rehab without insurance.
At Calusa Recovery, we offer affordable outpatient drug and alcohol treatment programs. We accept a variety of insurance plans, but there are plenty of other ways to cover the costs. Call us today at 844-254-9664 for more information.
What Affects the Cost of Rehab?
It’s helpful to plan the financial aspect of drug and alcohol addiction treatment services in advance. There are several factors to take into consideration that determine how expensive a rehab facility is. Rehab programs that list themselves as luxury or executive are likely to be out of reach for everyone apart from those with a substantial amount of disposable income.
Standard outpatient or inpatient rehab is usually the most affordable option for someone seeking substance abuse services without help from an insurance company. Outpatient treatment tends to be a more affordable treatment option for substance use disorders.
The Affordable Care Act 2009 included alcohol and drug addiction in the list of behavioral health disorders that insurance providers must provide some level of insurance coverage for. However, some people on low incomes can’t afford insurance, and others simply choose not to have it. If this is the case, there are still rehab options for you.
Are Medicaid or Medicare an Option for Drug or Alcohol Rehab?
Some treatment centers accept Medicare or Medicaid as a financing option, although these places are usually state-run. Health care providers in these places tend to be more stretched, with bigger workloads, more clients and less time for each individual.
Private outpatient rehab is a low-cost alternative to inpatient treatment, and the content of both types of care is similar. Group therapy, individual counseling, psychoeducation and adventure therapy can help a person get back on track to living a fulfilled, alcohol and drug abuse-free life.
How to Pay for Drug Rehab Without Insurance
If you need to go through a detox and can’t afford the cost of private rehab, a hospital or state-run medical facility can help you through this process. However, getting the therapy, guidance and peer support necessary for long-term recovery is usually more complex without insurance. If you’ve found a treatment facility that you think is perfect for you, there are several payment options available:
Borrow Money From Loved Ones
One of the first places to turn to before looking for credit or other financing options is family members. Make it clear that this is a repayable loan — even sign a contract to show them you’re serious!
If you’ve had issues with money in the past, it’s probably best to not ask someone you already owe money to. However, if you’re in a pinch and borrowing isn’t something you’d normally do, take an opportunity if you can. Explain to your loved one that this is an investment in your future. Once you’re back on track and in long-term recovery, your earning potential will soar. Just make sure you get the person you borrow money from a special gift to say thank you once you can afford it.
Apply for Credit
You can take out health care loans and even get special health care credit cards. These are nifty because they don’t let you spend the money on anything else. That means the risk of you using the funds for unhelpful means is reduced or you’ll face potential trouble with the law.
Find Out About a Sliding Scale Option
Most addiction treatment centers understand that it can be hard for clients to part with a large lump sum of cash. You can work with these rehab clinics to determine a customized cost based on your means. It’s important that socioeconomic status doesn’t hold you back from seeking the treatment you need to get better.
Seek a Grant
SAMHSA provides grants to people who don’t have the necessary funds but desperately need to enroll in a drug and alcohol treatment program. The application requirements are clearly outlined on the SAMHSA website. You can also get in touch with the rehab facility directly to find out if they’re currently offering any grants or scholarships.
Although it takes time and effort, seeking a grant or scholarship for addiction treatment could be the best way to get into rehab for free.
Tap Into Savings
It can feel heartbreaking to use savings for something they weren’t intended for. However, if you don’t make this investment in your future, you’re putting yourself at risk of making increasingly worse financial decisions in the future. If you have the savings, your future self will thank you for using them on rehab.
There are two main ways of raising funds: Sell items you no longer need or fundraise. You can try out old-fashioned ways of fundraising or try to secure donations from crowdfunding sources. In some cases, if you’re willing to share your story and progress with people, they’ll pull together to fund the treatment you need to get better.
Should You Choose a Rehab Center Based on Cost?
We’d recommend choosing a treatment provider based on the content of the course, the location of the rehab center and the reputation of the addiction treatment program.