While You Wait: Figuring Out How to Pay for Alcohol Rehab
Earlier in the month, we started the conversation of how to fill your time before you head off to alcohol rehab with a couple of different posts: Preparing Yourself Mentally for Alcohol Rehab and Talking to Your Boss Before Alcohol Rehab. Today, we talk about one of the biggest factors that stop patients from getting the alcohol addiction treatment help they need: cost.
Paying for Alcohol Rehab with Insurance
There’s no such thing as an insurance policy that provides only for the payment of drug and alcohol addiction treatment services and rehab programs. But if you have health insurance, you likely will have at least a little bit of help paying for alcohol detox and the psychological treatment that play a part in alcohol rehab. There may even be provisions for continued treatment in personal therapy when you leave treatment. Here’s how you find out what is – and what should be – covered by your health insurance provider:
- Call your health insurance company. Ask about specifics and write it down. Find out what is covered under the medical portion of your plan and what is covered under preventative care and mental health and wellbeing. You may have to speak to a few different people.
- Call your state’s insurance board. Many states require health insurance companies to cover certain addiction treatment services in certain amounts. Find out the rules in your state and make sure that your health insurance company is giving you what you are legally allowed.
Paying for Alcohol Rehab Without Insurance
It’s not uncommon for those living with an alcohol addiction to allow their health insurance to lapse or to lose their insurance coverage when they lose their job. It’s still possible to find ways to cover the cost of alcohol rehab, and it may actually be a little less complicated since you don’t have to worry about working with an insurance company and wait for approval for each addiction treatment service. Here are a few options:
- Borrow from friends and family. This isn’t an option for everyone, but there are ways to make it a legal and binding agreement so that everyone feels safe and protected.
- Savings. You may have the option of borrowing from retirement savings and college savings accounts, if you have them. Talk to an accountant about whether or not this is the best move for your family financially.
- Financing. Secured loans, unsecured loans, no-interest loans, low-interest loans – there are a number of options.
If you need help paying for alcohol rehab, we can help you here at Michael’s House. Call today to learn more about making payment arrangements for our Palm Springs alcohol rehab and sober living programs.
My Wife is in rehab and Its very expensive indeed including her living expenses there that I have to provide for, that doesn’t even include the 3/4 house that we are going to have to find away to pay for once she gets out of rehab that she is required to go to. I am at a point of not knowing how we are going to pay for all of this. I am most concerned with her health and well being at this point and if she comes back a better person than it’s going to be worth every penny put into it. I didn’t think of financing a loan, that will be something I look into