If you or someone you care about is suffering from drug addiction or alcoholism, the last thing you want to be thinking about is how you'll pay for treatment. But while this might be a valid concern, it shouldn't be one that stops you from reaching out for help. There are a number of different ways to pay for addiction treatment or alcohol rehab- even if you don't have any insurance. In fact, the people who can help you make all necessary payment arrangements are the same ones that you'll talk to when you call for a confidential consultation at a treatment center. Knowing what to expect before you make that call might help make the process go more smoothly.
Most people pay for rehab with some type of insurance. However, this doesn't always have to be an independent policy that you pay for yourself. It could include employer-sponsored insurance, armed forces insurance, state-funded insurance programs for the underprivileged or disadvantaged, and even as part of riders for some types of life insurance and other products. Each provider is unique, so it's important to understand exactly what your policy covers and what it doesn't. But if you need help figuring it all out, you should simply call a treatment center and they can properly advise you of what your coverage includes.
Many Employee Assistance and Member Assistance Programs offer coverage in the event that drug or alcohol treatment is required. However, a large percentage of people who participate in these programs are unaware of the existence of benefits that can be used for rehab. Furthermore, those who are aware may still be unwilling to seek help because they fear losing their job. While you should always check the terms and conditions of your EAP or MAP, in most cases there are no repercussions when a person seeks help through such a channel. There is often a single liaison person that you can call and discuss your options confidentially with.
Contrary to popular belief, many addiction treatment centers are affordable and people often self-pay for their treatment. Some are able to do this with cash, assets or savings they already had available, while others have taken out loans in order to pay for their treatment. In fact, some rehab centers may offer an overall reduced treatment cost if a person pays in this manner.
If none of the above options apply to you, there are still other ways to pay for addiction treatment. There are a number of federal and state programs that may be able to help- especially state funded insurance programs and Medicare. Additionally, there are scholarships and other funds available from religious and special interest groups including local chapters of AA and NA. Finally, some drug rehab centers may offer full or partial scholarships- check websites or just ask in order to find out more information.
Whatever your situation may be, chances are great that you can work with a drug treatment center to find a payment arrangement that will meet your needs. In many cases the rehab center will make all of the necessary arrangements including dealing with your insurance provider and helping you obtain other funding options, which gives all the more reason to call for a confidential consultation right now.
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