Addiction is a disease you don’t want to overlook simply because you can’t afford the treatment. The very moment that an addict is willing to participate in a rehab program to get on the straight and narrow, you want to get them enrolled. The problem that many families run into, however, is the cost of the program. Depending on which facility you’ve selected, the area you live in, and the severity of their condition, drug and alcohol treatment can seriously drain the budget.
Again, finances should never be an excuse to overlook health. There are ways to fund the treatment, and it may boil down to you utilizing more than one resource to get the job done. Here are some suggestions below:
Before you determine how much you’re going to have to shell out for treatment, like any big “purchase” you want to shop around. There are plenty of programs you could enter into, each with their own set of costs. Check out program websites such as hotelcaliforniabythesea.com to see if there is information on payments, payment options, and other funding opportunities for you to attend the program. You’ll want to look at a few service providers to get a ballpark idea of what you’ll be spending.
Contact Health Insurance Provider
Health insurance should be your next step. While all the treatment may not be covered 100%, you may find that they cover a portion, which can dramatically lower your out of pocket expense. Be sure to ask them if there are facilities that they recommend that would cost you less money.
Rehab facilities are aware that many of its participants can’t afford to foot the bill all at once. Essentially, they will try and work with you to get you the treatment that you need on a budget that you can afford. This can include setting up a payment arrangement. Ideally, you would provide them with a deposit or down payment up front and then break the rest down into smaller amounts that you can pay within predetermined timeframe.
If you work for a good employer or even work in a field that can bring on high amounts of stress which can lead to addiction (such as executives, firefighters, policemen, doctors, etc), you may be able to get your employer to pay for a portion of your treatment. If you’re a valuable asset to their company, they will want to see you in good health and will therefore provide some financial relief.
If you’re really set on a particular facility and still don’t have all the funds you’ll need to pay for treatment, you can consider financing it with a personal loan or credit card. While you’ll need to make sure you make time payments to avoid ruining your credit history, it can be a temporary fix for you to get the help you need sooner rather than later.
While participating in a rehab facility is the best solution for treating your addiction, there are some alternative measures you can take until you can afford treatment. This might include things like going to group therapies at local churches (which are typically free), attending an outpatient program which can cost a considerable amount less, or going to an addiction therapist which is more likely to be covered by your health insurance.
Your sobriety and health have to remain a top priority in your life. Do not allow the costs of treatment to keep you from getting the help you need right away. There are plenty of options listed above that can help you afford the costs. Even if you have to use more than one of the above tips to significantly cut the out of pocket expense, it’s better than waiting until you can afford treatment because addiction can progress quickly wreaking further havoc on your finances, personal relationships, and life.