While addiction treatment is an absolute necessity for many people, the rehab center itself may be too much for some people to afford. Unfortunately, low finances are often a barrier to those who really need treatment. If you are uninsured or underinsured, you could be looking at a high cost for drug and alcohol treatment. Luckily, there are other resources that can help the uninsured and underinsured raise the money they need for treatment.
Can I Receive Immediate Treatment?
You may be hesitant to look for rehab if you are not comfortable with your current financial situation. While the cost of drug and alcohol addiction treatment is often a burden for some, there are some situations you may find yourself in that require immediate treatment, regardless of your current insurance situation.
For example, if you or a loved one is in an emergency situation such as an overdose, medical treatment should be sought immediately. The same goes for cases of suicidal thoughts and actions, severe withdrawal symptoms, and any other medical emergency caused by drugs or alcohol. In these cases, do not worry about how you will pay for treatment- get help immediately. Call 911 or head to a local emergency facility.
Once the emergency has passed, speak with the administrative staff of the hospital or medical center to find out what your payment options are. Most states offer some type of financial assistance for patients who are uninsured or who need help with medical bills.
Signing Up for Insurance
You may think your current insurance won’t cover a stay in a rehabilitation center. However, you might be pleasantly surprised to learn that some insurance companies cover some or all of the rehab stay. If you still need low-cost insurance, search online for state insurance options or visit the government healthcare website. Your local county office can also help you sign up for Medicaid or Medicare if you are eligible for these programs.
Once you have insurance, check with local detox centers to see which ones will accept your coverage. While you may not have full coverage for a stay in an inpatient center, your insurance may foot the bill for outpatient care.
What Are My Other Options?
Don’t give up just because you are not insured. There are always other ways that you could pay for treatment. Always check with a potential rehab facility about their options. They may have information that could make it easier for you to afford rehab. Other options for payment are:
Financing- Not every center will ask that you pay the whole amount upfront. Some offer special financing that allows you to spread out your payments over time.
Sliding scales- If you are a low-income client, many facilities will adjust the cost of the treatment based on your income.
Grants and scholarships- Search for grants and scholarships in your state. Some programs offer grants to low-income individuals who need help with rehab.
Loans- Some rehab centers will allow you to take out a loan for treatment. You could also ask your local bank or credit union for a loan if you cannot pay for treatment on your own.
Crowdfunding- With the invention of social media, crowdfunding your needs is just a click away. When it comes to your health, achieving and maintaining sobriety is no joke. Put aside your pride and start a campaign for the money on various crowdfunding platforms.
Sell personal items- If you need to raise money for addiction treatment, put together a big yard sale to raise some cash. Downsize your home by selling what you don’t need any longer. If you have more expensive items to sell, consider advertising them online to make a bigger profit.
Don’t Give Up
Detox and rehab can be expensive. It’s also hard to have to give up working and taking care of bills and other responsibilities to go into rehab. However, your health should always be your number one priority. Even if you do not have the cash on hand or the insurance to pay for rehab, keep looking until you find a solution. Talk to the administration office at your local rehab center to find out what they suggest. Often, rehabs already have a list on hand that you can utilize when you need help with funding.
When you are ready to accept help, we are ready to give it. Give us a call today at 844-639-8371 to learn more about funding for detox and rehabilitation services. We’ll do everything we can to help you in your quest for sobriety and better health.