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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, individuals may spend an exorbitant amount of money to support their drug habits.

While some of these funds may come from illegal activities, such as selling drugs to earn money to put right back into their own drug purchases, a significant portion of it may come from borrowing cash from family and friends for supposedly legitimate purposes – often only after first sinking all of their savings and other earnings into the drug addiction.

Money and pills

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.

Lower-End Mid-Range Upper-End Typical Length Recomm. Length
Intervention $1,000 $3,000 $7,500 N/A N/A
Detox $350-$750/day $750-$1,500/day $1,500-$3,000/day 3 days 7 days
Inpatient Rehab $5,000-$12,000/month $12,000-$25,000/month $1,500-$3,000/day 28-45 days 90 days
Outpatient Rehab $1,500-$3,000/month $3,000-$7,500/month $7,500-$12,500/month 30-60 days 90 days
Sober Living $500/month $2,000-$5,000/month $5,000-$12,500/month 30-180 days 6 months – 1 yr

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 concerns the existence of a dual diagnosis.  When a patient at a treatment program simultaneously suffers from drug addiction (or substance use disorder) and another mental health condition (e.g., mental illness, eating disorder, behavioral addiction), you may wish to ask your insurance company if the billings are separate.

For instance, if you have coverage for both mental health 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 you might be required to secure additional funding should the limitations on the insurance policy reach the maximum before treatment is completed.

Financing Options

Financing for 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 program, however, 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 may be most feasible 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 individual will not be forced to suspend treatment before it is completed.

Private Financing

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

Personal belongings in boxMany 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

Other items you might consider selling include:

  • Bicycles, mountain bikes or cruisers.
  • Sports equipment: snow skis, water skis or expensive hobby paraphernalia.
  • Art collections.
  • Music collections.

Finally, 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.

You may even 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.

Asking for Cash to Feed the Addiction vs. Asking for Cash to Stop the Addiction

Many friends and family members of drug-addicted individuals find themselves continually helping these individuals financially because the drug addiction has prevented drug users from properly managing their own funds.

For instance, an individual struggling with drug addiction who has 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 addicted individual to spend personal funds on drugs instead.

These same loving family members or friends may be far happier to help provide the cash needed for drug addiction treatment – rather than provide cash to meet temporary needs that help facilitate the drug user’s ability to purchase more drugs.

Another benefit to receiving help from family members is that this show of family support may help the individual more successfully follow through with the recovery process.

Apply for Government Grants

Government grantsDepending upon where you live and depending on the age of the drug user, 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.

Addiction Treatment Facility Types

As you investigate your financing options for paying for addiction treatment, it will be important for you to understand a few of the different types of treatment facilities that are available to you. Treatment type and setting will greatly influence the amount of money required to participate in such a program.

  • Luxury rehab programs provide 24/7 residential substance abuse treatment often in private, secluded and/or vacation-like destinations – set amongst high-end, resort-like amenities designed to make your recovery process as comfortable as possible.
  • Executive rehab programs also offer residential addiction treatment with many high-end amenities – but also cater to busy professionals by availing time and resources for residents to continue tending to their important outside work duties.
  • Standard rehabilitation can be obtained as either a residential or outpatient program. While they infrequently contain the same luxury amenities offered by either luxury or executive programs, they do tend towards a more affordable price range for those with relatively limited budgets.

Learn More and Find Help

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. If you struggle with drug or alcohol addiction, you can begin your recovery process by obtaining the help you need to overcome addiction. Any investment in your future wellbeing is money well spent.

Call us at 1-888-744-0789 to discuss any questions you may have about your addiction or about your addiction treatment options.