When you get to the point you realize you need help with your addiction, you will have taken the first step towards recovery. It does very little good for one person to try to force another person into rehab. The fact you want help is indicative of the fact you understand you have a serious problem. What’s your next step? The choices you make about treatment will have a direct effect on the quality of care you will get. Furthermore, the quality of care you get is going to have a direct effect on your ability to stay in recovery. With so much on the line, you need to focus on finding an addiction treatment center that’s going to do right by you. Here’s a list of factors that should go into your decision-making process. While all of these factors are important, some may be more important to you than others:
- The cost of treatment – the amount of out-of-pocket money you will need to spend
- Proximity of the treatment center – closer to home in not necessarily better
- The quality and reputation of the treatment facility – very important
- The types of treatment options in the offering
- The actual facility and the types of amenities that are made available to residential patients
Each prospective patient will view these factors differently. However, most patients are going to be most concerned about the first one, the cost of treatment. The following discussion is going to be directed at paying for treatment.
How To Get Help In A Drug Treatment Center When You Don’t Have Insurance
Even though the ACA requires all American citizens to carry some form of healthcare coverage, the fine for not doing so has been lifted. For that reason and a number of other reasons, there’s still a significant portion of the population that doesn’t have coverage. If you don’t have insurance coverage, you certainly are going to be concerned about how you are going to pay for addiction treatment. It’s unfortunate, but it shouldn’t dissuade you from getting the treatment you need. It’s vitally important that you’re committed to getting help. The lack of insurance to pay for that help should been seen as an obstacle that needs to be navigated. The reality is there’s plenty of payment alternatives. It’s up to you to find the one(s) that fits your personal circumstances. Here’s a list of alternatives, after which we will go into more detail:
- Outpatient treatment instead on inpatient treatment
- Credit cards or personal loans
- From personal savings – 401K
- Treatment center financing or scholarships
Outpatient Treatment Instead of Inpatient Treatment
With your financial back against the wall, you might have to settle for what you can afford. Outpatient treatment programs are significantly less expensive than residential treatment. Not to worry, outpatient programs offer intensive therapy and group participation. You would have to focus on obeying strict rules to stay in an outpatient program.
Credit Cards and Personal Loans
Taking on more debt and incurring interest is never a good thing, especially for someone in recovery. However, a lasting recovery might take the sting out of incurring the debt associated with getting that recovery. The advantage of this option is you would be able to pay for your treatment over time.
From Personal Savings
So, you have been saving for a rainy day or retirement? Well, a reasonable person would say that suffering from an addiction is a pretty hard rain storm. As for retirement, a serious addiction might make it difficult for you to live until retirement. These are harsh notions. However, you have to know that investing in your future is a noble way to spend your savings. If you get your life back on track, you can start saving again and everything will be fine.
Treatment Center Financing or Scholarships
It’s always possible that one of the top drug treatment centers will have an in-house solution for patients who desperately need help. That solution could be center financing with a reasonable interest rate and repayment schedule. It’s also possible the facility receives endowments and charitable contributions that are available to patients who face financial challenges but need treatment. If you need treatment, we can help you find ways to pay for it. For more information, you need to contact one of our staff members at 770-299-1677.