With or Without Insurance

With or Without Insurance Addiction Treatment

The struggle to come up with the money to pay for drug and alcohol rehab can be daunting for those without enough cash in the bank to cover the cost – which is almost everyone.

Rehab insurance is often the first stop for those researching their options, and it’s a good place to begin. But for those who don’t have insurance or whose insurance offers little in the way of financial assistance, there are other options for payment.

If you would like help finding a drug rehab that will work with you and your financial circumstances, contact us at the phone number listed above today. We can help.

With Insurance

You are not guaranteed payment assistance for drug and alcohol rehab just because you have a health insurance policy. Most states do require health insurance agencies to provide at least some amount of assistance, but the exact services or percentage of coverage is not standard. It is important that you check with both your insurance provider and your state’s insurance agency in order to make sure that you are getting a fair shake.

Without Insurance

For those who don’t have insurance and those whose insurance company only covers a small portion of the rehab bill, there are other options to pay for treatment.

Among these options are:

  • Using savings or investments.Even if your savings was invested for another purpose, like retirement, it may be a financially sound choice to utilize some of the funds to pay for treatment. If you have a large amount of money locked up in funds that will incur a penalty if you withdraw early, discuss your options with an accountant.
  • Borrowing from friends and family. Most who have been living with addiction for a long period will have already burned their bridges in terms of borrowing money from those around them. However, if the money borrowed is for treatment, many family members may be interested. Ask them to give the money directly to the addiction treatment facility and request a legal agreement so they will know that you intend to pay them back after you successfully complete rehab and become gainfully employed.
  • Financing. Financing options are the most common way for those who don’t have the funds for drug and alcohol rehab to get the money they need quickly. Secured and unsecured loans are options and, depending upon credit history, low-interest or no-interest loans may be a possibility. In many cases, patients can opt for repayment periods of up to 30 years for their convenience.

How Should You Pay?

Patients who have health insurance should absolutely begin the process of finding the funds they need for drug and alcohol addiction treatment by contacting their health insurance provider. Don’t worry if the claim doesn’t cover the full amount of the bill.

Though patients will be responsible for covering the remainder of the bill on their own, there are so many options that it is always feasible.

If you don’t have health insurance, don’t worry. Most people pull from multiple resources to pay for treatment and there’s no law that you must have insurance help you. Money should never stand in the way of your medical health. There’s always a way to cover the cost of drug and alcohol rehab.

Find a Rehab that Will Work for Your Financial Circumstances

Don’t let cost stop you from getting the drug and alcohol addiction help you need.

By cobbling together what you can from your own funds, the assistance of friends and family and health insurance, you can always make up the difference with financing. In fact, many people pay for the whole bill with a loan taken out solely for the purpose of paying for drug rehab. It’s simple and many get the money they need to cover the cost of treatment in just a few days.

If you would like to speak with someone who can help you locate a drug rehab that will be able to work with your insurance company and/or has a financial partner willing to work with you to get the money you need for treatment, contact us today.

We can help you to not only find the drug addiction treatment program that will suit your needs but one that will provide you with the financial assistance necessary to make changes in your life. Call now.

You're not alone. We're here to help, 24/7. Please call: 877-345-3281