A drug or alcohol addiction is a highly destructive disease, and it affects both addicts and their loved ones. When an addict reaches the point where he or she is ready to get sober, the cost of rehab should not be a barrier to getting treatment. Many people tend to assume that in-patient drug or alcohol treatment is beyond their means, so they don’t even consider it. However, the long-term cost of an addiction, financially and in other ways, is far higher than the cost of any treatment program. The following are few different ways that people pay for rehab.
In many cases, health insurance plans, including Medicaid and Medicare, will cover the cost of addiction treatment. An insurance plan may limit the insured to a specific list of treatment centers, but if a center is on the list, the bulk of the cost will be covered. Unfortunately, many addicts have no insurance due to the loss of a job or an inability to work full time, but there are some other options.
Many drug and alcohol rehab centers offer reasonable payment plans to cover the full cost of treatment. The patient typically does not have to start making payments on the loan until he or she is finished with the program, and often, the payments don’t start until weeks or months later, which gives the person a chance to find a job.
For many people, even the thought of paying back a loan is overwhelming. For these patients, there are some grants available, either through national organizations or through endowments made to local treatment centers. It is worth taking the time to call and ask if financial assistance is available for uninsured patients. Local treatment centers may also offer a sliding scale according to income, and this can be a big help.
Other ways that people pay for rehab include borrowing from friends and family, dipping into savings, and raising money online. It’s also helpful to research the cost of different types of facilities and to consider opting for a free 12-step program and, if possible, individual counseling. Visit this site to read more about the cost and the benefits of rehab.