You’ve made the huge decision to head to rehab. Congratulations! This is a decision that will make positive repercussions on the rest of your life. However, it is also one that comes with a lot of questions and worries. While rehab is one of the best decisions you can make, it is also one that will cost money to participate in. You’re wondering what to do if you cannot pay the out-of-pocket expenses that your insurance doesn’t cover. Will you still be able to go to rehab? Read on for more information.
Will Insurance Cover Rehab Costs?
When you have health insurance, you’ll want to immediately speak to a representative to get the ball rolling when it comes to rehab. You’ll need to know what type of coverage they offer for rehab and detox services. What is and isn’t covered will vary greatly when it comes to the type of health insurance you have. Some companies will cover most of the costs while others will only provide partial coverage. Some cover separate detox services while others won’t. Get a clear idea of what your insurance company will pay for before committing to a program. Always get it in writing, and keep a copy with you when you get to detox and rehab. Your out-of-pocket expenses will then be your next project.
Paying Additional Costs
Once you have a firm grasp on what your insurance will and won’t pay, you will then need to focus on taking care of any out-of-pocket expenses that will be your responsibility. Unfortunately, these additional expenses may be too much for your budget to handle. If you don’t have the extra income to pay these expenses, it’s time to look into additional forms of payment. Don’t worry- you can still go to rehab if you don’t have the cash up-front to pay the extra expenses. However, it may take a little more effort on your part to get them taken care of.
State grants- You may be able to secure a state grant that will cover some or part of your out-of-pocket costs for rehab. State-funded substance abuse grants make treatment a more affordable option when you cannot afford the costs yourself.
EAP- An EAP, or employer assistance program, is an employer-sponsored program that helps employees pay for services that are related to drug and alcohol use, legal concerns, financial problems, and mental health problems. If you are working for a company that offers this program, talk to your HR department to find out what the program will cover in your situation.
Local programs- Many companies and churches offer programs that help recovering addicts pay for treatment. Talk to local churches to find out what they will help with when it comes to out-of-pocket costs. Even if they don’t run this type of program, they may have information on who does.
Crowdfunding- There are many crowdfunding platforms available for public use. Set up a campaign to help defray the costs of rehab. Let social media work for you during this difficult time.
Friends and family- Your friends and family may be willing to help pay for your rehab costs, especially if this is your first time attending a program. Consider asking a well-off member of your family for a loan to pay additional expenses.
Payment plans- Many rehab centers are willing to work out a payment plan with their patients. When your insurance doesn’t pay for everything, talk to a representative of the company to find out if they offer in-house payment plans.
Credit cards- If you can use a credit card to pay for the out-of-pocket expenses, consider it an investment in your future. If you don’t already have a credit card, apply for one to pay on those costs. Your health is worth it.
Bank loans- Talk to your bank about getting a small loan to cover the rest of your rehab expenses. In most cases, you’ll have a year or more to repay the loan. This will give you plenty of time to take care of your finances.
Call Today for More Info
You can still attend rehab even if your insurance doesn’t cover every expense you incur. If you aren’t sure where to start, speak with your doctor or a representative of the rehab you are considering attending. They will help you find the resources you need to pay for your rehab and detox program. We’re here to help in any way that we can. When you’re ready to get clean and sober, call us at 844-639-8371.