The decision to enter a drug rehabilitation program is not one to be taken lightly. It can be difficult for those struggling with addiction to make such a life-changing commitment. However, there are other obstacles that can stand in the way of your recovery. Quality care at a rehabilitation facility can be expensive. For those without health insurance, it may seem like an impossible decision. Fortunately, there are resources and options to help people receive the treatment they need.
The most common payment option is private health insurance. Many insurance companies will cover a percentage or all of the costs of care. The rehabilitation facility generally handles all communications with the insurance company, so they will be able to explain any available financial options. However, all insurance companies do not offer drug and alcohol coverage. It is important to become familiar with your health plan and the treatment centers that accept it. For example, most insurance providers only cover a limited number of days in rehab. You should also find out if your insurance covers inpatient rehab, outpatient rehab, or both. All of this information is necessary in order to determine the level of service the facility can deliver.
There is a common misconception that only the rich can afford treatment at a private facility. Depending on your location, a private rehabilitation facility can cost between $10,000 and $20,000 per month. While this is extremely expensive for most people, there are various payment options. Several of the top facilities in this country allow patients to utilize a payment plan. If you are unable to pay the monthly fee upfront, they will accept a down payment and make arrangements for the remaining balance. Although it is not easy, there are some private sources that may be available. Friends and family also suffer when someone is struggling with an addiction. They may be willing to help finance your treatment, if they feel you are taking the situation seriously. Companies often provide employee assistance programs that can assist with drug and alcohol treatment programs. As a last resort, you could attempt to withdraw funds from your retirement account. This could a tough decision for you to make, but if it leads to a life of sobriety, then it is money well spent.
Public Rehabilitation Programs
People with limited income may not have the ability to commit to payment arrangements or rely on private sources. In this case, the most economical choice might be a public drug rehab program. There are quite a few government funded rehab facilities open to the public. If you meet the financial requirements, your treatment could be partially or completed covered. There are some downsides to choosing a public rehab center as well. Because of a high demand, there can be very long waiting lists for admission. Also, these centers are often under-funded. This can mean a significant lack of resources. However, this is not an excuse to avoid treatment. Anything that encourages a path to recovery should be considered.
The cost of a drug rehab program is a serious issue that cannot be overlooked. It is one of the most common obstacles for those suffering from addiction to drugs or alcohol. In a perfect world, everyone would receive the best possible care, regardless of their financial situation. Of course, we do not live in a perfect world, but a desire to walk away from drugs is a valuable thing. Take the time to explore every possible option. Reach out to anyone that is willing to help. Your sobriety is worth it.