A staggering number of people who need addiction treatment postpone that treatment because of financial concerns. Sadly, this move that could put their health and life at risk. Although paying for rehab can be worrying, there are several options that can ensure you get the treatment you need.
The most common way to pay for rehab is through insurance. While not everyone has insurance, the Affordable Care Act allows more people to qualify for and afford a health insurance policy. There are stipulations with every policy, but those with insurance have a head start when it comes to paying for rehab.
Some insurance policies will handle 100% of the costs of rehab and addiction treatment. The rehab center and your insurance company can arrange billing, making this process easier on you. Other policies may only pay for rehab once individuals meet a deductible. It’s important to check the details of your insurance policy to find out whether a deductible is in place and how much it will cost you out-of-pocket.
Every insurance provider and policy is different, but some will reimburse the costs of your stay in a rehab facility. You may need to pay for treatment up front, but your insurance company will reimburse you some or all of the money after you complete it.
If you want your insurance to cover your addiction treatment, then you’ll need to work with a reputable and accredited treatment facility. These facilities tend to have the best working relationships with major insurance providers because they deliver more successful results. At Silver Pines Treatment Center, we accept a range of insurance providers, including the following:
- Blue Cross Blue Shield
- United Healthcare
- United Behavioral Health
- Magellan Healthcare
While insurance options are the best place to start, you might also want to consider financing for your rehab. Taking out a loan for rehab may feel overwhelming, but there’s no better investment than your health. Without sobriety, you can’t reliably secure a career or earn a living. Through recovery, you’ll be in a far better position financially in the years to come.
If you can’t qualify for financing on your own through a traditional bank, you may need to ask friends or family members to co-sign a loan. This is similar to a student loan, which requires a cosigner who is willing to help.
If you have any savings, then this is the time to use them. You’ll be paying for rehab, but you’ll also be paying to save your life. Every day that you don’t get treatment, you’re putting your health at risk. This is the ideal time to use that rainy day fund.
Even if you don’t have a substantial amount of savings, you might be in a position to sell off some valuable items. Jewelry or antiques might be an obvious choice, but some individuals also sell their homes or their cars. It may seem hard to part with valuable assets, but it’s important to remember that your health comes first.
Paying for Rehab is Investing in Recovery
In an effort to save money, some individuals might attempt to recover from addiction on their own. This is dangerous and is also rarely successful. At Silver Pines Treatment Center, you’ll receive a warm, inviting place to recover. Clients in rehab can expect all the following:
- Behavioral therapy
- Group therapy
- Family counseling
- Holistic approaches to recovery
- Emphasis on relapse prevention
- Pharmacological support
Paying for rehab can be daunting, but there are many options available that can help. At Silver Pines Treatment Center near Hazleton, Pennsylvania, we accept countless insurance providers to make financing your recovery easier. Call 866-345-2147 if you’re ready to begin your journey to recovery.