Rehab Payment

The overwhelming cost of drug treatment and rehab services is one of the reasons why many individuals feel they are unable to get the help they need.  However, the benefits of a good treatment facility for addiction can provide you or your family member with the greatest chance of living a normal life free from the pain and long-term health problems associated with drug abuse.

Drug abuse and addiction are not free.  When suffering from addiction, an individual may spend an exorbitant amount of money to support their habit.  While some of these funds may come from illegal activities, such as selling drugs to earn credit toward their own drugs, much of the funds come from borrowing cash from family and friends for supposedly legitimate purposes or sinking most of their earnings into the drug addiction.

It is also important to consider the overall costs of health care for an individual addicted to drugs or alcohol.  The long-term health issues as well as the possible short-term bills associated with emergency room and other hospitals bills can quickly outpace what a treatment program would have cost.

When you consider the alternatives, it is easy to see the benefits of finding the funds needed to provide rehab treatment.

Financing Options

Financing RehabMany drug treatment facilities will offer financing options to pay for the treatment process.  When you consider the cost of a new car, at approximately $25,000, four of five months of high-quality inpatient care can be comparable.  The benefits of a new car, however, will only last a few years. You may be ready to buy yet another vehicle by the time the new one is paid in full.  The benefits of a drug treatment facility may last a lifetime.  It will bring with it a bright future full of possibilities for the afflicted individual and everyone involved in this person’s life.

Before you decide on a facility for treatment, ask the administrators about financing options, interest rates and procedures. You may find that treatment is more affordable than you think.

Private Funding

If possible, you might want to consider paying for the treatment program in cash, either in advance or over the course of the program period on a per-session basis.  This is most helpful for outpatient treatment programs where the costs are far less than an inpatient facility.

Paying as you go offers the security of knowing that there will be no lingering bills once the process has been completed.  However, if money is tight, you may also want to consider obtaining private financing so the recovering addict will not be forced to suspend treatment before it is completed.

Private Financing

Money in hand
Obtaining a loan from your financial institution may help to cover the costs of addiction treatment.  Taking on an additional monthly payment is a small price to pay for the benefits of sobriety, especially when measured against the costs of using drugs on a regular basis.

To make the process easier, you may want to consider obtaining your financing prior to finding and committing to the treatment facility.

Once you know that you can pay for the treatment in advance with the loan funds, you can then come to an agreement on price and services with the facility.  Private residential treatment centers may be in a position to negotiate a price based upon the funds you already have available, while others will not consider admitting you or your loved one until you can prove you have the ability to pay for the program.

Sell Personal Items

Many individuals possess something of value, even if they do not realize it.  By searching your jewelry box for a few pieces of mismatched gold trinkets, you may find that you have enough to begin the recovery process for you or a family member.  In some cases, selling an antique might raise enough funds for the entire program.

Parting with an object of sentimental value can be difficult, but if you consider the positive effects that might come about from the sacrifice, the trade could be well worth it.  Is your diamond ring more important than your life or the life of your child?  When it comes to the life of a family member, no sacrifice is too great.

If you own a camper or boat, consider placing it on the market at a fair price to offset the cost of rehab.  With the increased ability to work and make positive career advancements, you can always buy a new boat.  Most important during this difficult time is your health and your ability to defeat your addiction through the help of trained professionals.

Other items to consider selling include:

  • Bicycles, especially mountain bikes or cruisers, depending upon your geographic location
  • Sports equipment such as snow skis, water skis or expensive hobby paraphernalia
  • Art collections
  • Music collections

Paying for TreatmentFinally, consider hosting a garage sale.  Even small items in your home that fetch a price of a few dollars can help when combined with other items.  If your neighbors, friends and family are willing to donate items they no longer need or use to your sale, you can increase your earning potential.  In fact, you may wish to advertise a multi-family yard sale as a fundraiser for you or your family member.  You may find that members of your community will come simply to support your efforts to make the best decision for yourself, your family and your community.

Ask for Cash Donations

The amount of love that family members and friends have for one another may surprise you.  Many of the friends and family members of a drug-addicted individual find themselves helping the individual financially because their drug addiction has prevented them from properly managing what funds they may have.  For instance, a drug addict with small children may ask to borrow cash to pay the utility bill so their children will have heat in the winter.  Even if the family member pays the utility bill directly, they have enabled the addict to spend other funds on the drugs to which they have become addicted.

These same loving family members or friends may be far happier to help provide the cash needed for the drug addict to enter treatment than to facilitate their ability to purchase more drugs.

Another benefit to receiving help from family members is the show of support that this will give to the recovering addict.  Studies have shown that individuals with a large amount of support are more likely to stay in treatment for longer periods of time than those without a support network at home.

Insurance Can Defray the Costs of Rehab

Many states now require that certain types of insurance companies provide benefits for alcohol and drug rehab.  Because of the impact of drug addiction for companies and corporations, many work-sponsored benefits packages will include coverage for rehab even when they are not required to by law.

Since insurance policies can vary significantly, it is important to find out what your benefits are before you begin the process of recovery.

For instance, some insurance programs will require that:

  • The patient must undergo outpatient treatment before considering inpatient treatment.
  • A co-payment must be made at each visit for outpatient care.
  • The patient is covered for a limited number of visits per year or over the course of a lifetime for mental and nervous conditions.
  • The patient is covered for a limited dollar amount for treatment.

Each of these parameters are important when it comes to ongoing treatment, so be sure to ask your insurance provider about these terms prior to entering a treatment program.

Another aspect of insurance coverage to consider is the prospect of a dual diagnosis.  When a patient at a treatment program suffers from drug addiction in association with another mental or behavioral disorder, you may wish to ask your insurance company if the billings are separate.  For instance, if you have coverage for both mental and nervous conditions as well as drug addiction, is it possible to split the billings between the two diagnoses?  Your insurance company may have a policy where they treat a dual diagnosis as a single treatment modality, so be prepared to find additional funding should the limitations on the insurance policy reach the maximum before treatment is completed.

Apply for Government Grants

Depending upon where you live and the age of the drug addict, you may apply for federal funding and grants to help pay for family-based treatment for substance abuse.  Smaller communities may offer similar programs, as well as offerings on the state level.

A grant is a sum of money allotted to an individual or group for a specific purpose.  The best part about a grant is that it is not a loan.  Rather, these are funds that the recipient does not need to repay, regardless of the outcome of the program.  The funds must be used for the purposes specified in the grant and there may be a requirement for audits and proof of where the money ultimately went, but the overall reason for grants is to invest in the community. By offering grant monies to increase the earning potential of its citizens, government agencies are investing in the future of a community as well as a family.

No matter how you raise the funds for a good treatment facility or rehab program, the results will be worth the effort in the long run.  A drug addict or alcoholic cannot begin the recovery process without first obtaining the help they need to overcome addiction.  Any investment in this future is money well spent.