It is an unfortunate circumstance if you or someone you love is addicted to drugs. Now that you decided to change and kick the bad habit, you are now faced with the possibility of financial burden. The drug rehabilitation costs are so expensive that it is of major concern if you are not insured.
Depending on the gravity of the drug addiction, you might be feeling desperate on how you can avail the urgently needed drug rehab.
The good news is that there are ways to pay for the drug rehab treatment over a period of time. Here are some of the most common options available.
For urgently needed treatment this is a loan given by a bank either to a family member or the patient. It sends the funds from the bank directly to the place of treatment. Payments can be made immediately if the loan was sourced by a family member, or, if it is the patient who sourced the loan, there is a grace period allowed before payments are due, usually, after the treatment is completed. Very often a grace period of up to 6 months is allowed to give the patient time to sort themselves out financially with a job after the treatment is completed.
Scholarships & Grants
The Substance Abuse and Mental Health Services Administration have grants that can be applied for if you don’t have insurance. If you qualify they will cover the cost in full. On their website, there is an application process for you to go through. It is also worth inquiring about scholarship options at treatment centers, just make a list, ring them up and ask to see if there are opportunities for those without insurance.
If a patient is on a lower income they may be suitable to receive a subsidy from the government and this can help lower the health insurance premiums.
This scale refers to some centers taking the step to help those that can’t afford treatment through means testing’ their finances. They work with you to create an affordable plan which is based on your income and general financial status. This option is put there to encourage those coming from a lower socioeconomic status to seek out treatment of this nature.
If all the above options fail for you, you may be pushed to borrow money from a family member. Remember, your family will support you if they know you are committed. Send an email out and see what happens. Personal savings are another option. This process of recovery is more important than holding on to your savings. When you get well, you can build them up again. Raising money is another option, sell some personal items, or ask for cash donations.
Treatment facility types affect greatly the costs incurred. There are three main types as follows.
Luxury: these programs offer residential addiction treatments. It is designed to be as comfortable as possible as these places are designed with a resort like feel and have additional holistic amenities available. There is 24/7 access to professional staff.
Executive: These places are designed around someone who has business interests that they still have to maintain despite being in a residential setting. Top end amenities are available while taking the treatment.
Standard: these offerings are more widely available and would be the most used. The quality of treatment is still high, but onsite amenities are fewer and the accommodation is at a more standard functional level. This makes the costs significantly more affordable.
The state of Florida has a wide-ranging choice of centers available. You still have a chance of getting into drug rehab even with no insurance coverage. You can even avail the state funded rehab programs. Do a search online and take that step of making contact to see how you can achieve your goals today.