What should you do if you need the help of a rehabilitation center, but you don’t have insurance or money to pay for it? If you’re struggling with this question, then you are not alone. There are numerous options for those who want to get help and have little funds.
You can do one of the following things:
- Get A Loan
- Choose A Center with A Sliding Scale
- Borrow from 401K or Other Savings Accounts
- Use Crowdsourcing Websites to Raise Money
- Look for a State Funded Facility
- Find a Center Your Insurance Will Pay For
More Amenities Equals Greater Costs
Some facilities have swimming pools, private suites, and all the bells and whistles. The truth is that you don’t need all those extras to get better. Remember, the more amenities a center has, the larger the price tag. Movie stars make it like a holiday when they go to rehab, but it’s not like that for most people. Drugs can take you down some lonely paths that can leave you broke and without options.
Ways to Pay for Rehabilitation
Those with a drug addiction rarely have the money to pay for the cost of treatment out of their pocket. It’s an expensive habit that can leave you bankrupt and destitute. If you have an active insurance policy, then many insurance companies will pay for treatment.
Take Out A Loan
One of the best ways to cover the cost of treatment is with a loan. Just because you get welfare doesn’t mean your credit is not superior. You can get a credit card or a personal loan to cover the costs. When you get a loan that is specifically for treatment, the bank will send the funds to the center, and you won’t need to make any payments until you have completed your rehabilitation. Some loans will offer a grace period up to six months. This gives you time to get a job and get your life back on track before you need to make payments.
SAMHSA or the Substance and Abuse Mental Health Services give grants to people who need help. If you’re struggling to find a way to cover the expense of treatment, then they may be able to cover some or all the cost. They have certain criteria that you must meet, and you need to make sure the centers that take these grants cover your addiction needs.
Open an Insurance Policy with the Affordable Care Act
The affordable care act makes insurance possible for people who don’t qualify for a medical card yet need coverage. As of 2014, preexisting conditions can no longer be excluded. With a policy from the government, you can find a reasonably priced treatment center that takes your insurance. You could pay nothing out of pocket. Make sure you tell the representative that you need coverage for the reason of going to rehab. They can help you find a policy that will cover your needs.
Sliding Scale Facilities
Due to the severity of the drug epidemic, many people are forced to pay for rehabilitation costs out of pocket. Thankfully, self-pay clients can find facilities that use a sliding scale based on your income. You could pay little to nothing for treatment with a facility that uses this program.
Using State-Funded Rehabilitation Centers
If you’ve exhausted all efforts to get help, then you may want to check Florida’s list of state-funded rehabilitation centers. The state pays for the facilities and allows people who couldn’t normally get help an opportunity to get assistance. Keep in mind that these are not usually your posh centers with all the amenities as they are filled with basics. Still, they have trained staff that can help you to get clean. Whether they have all the extras or not, many still have good success rates. Another option to consider is outpatient treatment. The cost of an outpatient program versus an inpatient one is vastly different. If you need help now, and don’t have the money for a swanky center or can’t wait till a bed opens, you can always start in an outpatient center. Once circumstances changes, then you can move into inpatient treatment as it becomes available.
Using the Options You Have
Going to rehab in sunny Florida is advantageous for many reasons. First, there are many state-assisted programs and other grants that can help you get into a facility. Second, the intake staff at 877-497-6180 have a wealth of knowledge on funding, and they can tell you what programs are available for you. Don’t let a lack of money stand in the way of sobriety. There is hope and help available, but you need to know where to go.