One of the most common barriers to treatment is a lack of financial resources.1 In many cases, by the time you decide to reach out for help, drug abuse has exhausted your financial resources. You may not have an employer, an insurance provider or a supportive family member to help cover the costs of treatment. So how can you pay for drug rehab? The good news is that affordable treatment programs are available when you do some research with the help of professional rehab admissions counselors.
Rehab Payment Options
No matter how you look at it, drug rehab is a big investment. Whether you calculate the cost in terms of money, effort or time, you will be channeling a lot of resources into the healing process. This investment might even seem daunting at first, but the rewards of recovery will make it worth your while. Whether you have a lot of money at your disposal, a restricted income or no income at all, treatment options are available to meet your needs. For individuals with limited resources, there are free, low-cost and sliding-scale programs are available. These programs are administered by public health agencies, hospitals, mental health centers and private facilities.
There’s a common myth that private drug rehab is completely unaffordable for anyone but the rich and famous. In reality, some of the top private treatment centers in the country offer a sliding-scale payment program for those who can’t afford the full fee. Many rehab centers accept health insurance for their services. An admissions counselor can help you determine whether your insurance company will pay for your treatment by asking the following questions:
- Does the insurance provider cover inpatient rehab, outpatient rehab or both?
- Is the treatment facility part of the insurance provider’s network?
- How many days of rehab are covered under the insurance plan?
- Which recovery services are covered (detox, medication, psychotherapy, etc.)?
Figuring out how to pay for rehab can be an overwhelming task, especially if you’re in the early stages of sobriety. Instead of getting discouraged by the prospect of paying for rehab, seek help from a treatment professional to find out what our options really are. You might be surprised to find out that you have more alternatives than you realized.
Paying with Financing
Most reputable crystal meth detox and addiction treatment programs will be able to help you with financing if you need it in order to secure treatment for yourself or your loved one. Financing allows you to present the full amount of cost directly to the treatment center, and then you pay off the amount owed at your own pace. This means that you can incorporate the cost of crystal meth rehab into your monthly budget without destroying your family’s finances. In many cases, both secured and unsecured loans are available. The interest rates for these loans are determined on a case-by-case basis.
Exploring Financial Resources
Addiction is a chronic disease like cancer, diabetes or heart disease.2 Addiction requires intense treatment. But when it comes to paying for addiction treatment, many people do not feel that they have the same level of financial help at their disposal. Covering the costs of rehab often requires turning to private sources, such as:
- Loans from family members, partners or close friends
- Help from employee assistance programs
- The sale of personal assets, such as automobiles, boats or RVs
- Retirement accounts, IRAs or personal savings accounts
There are a lot of creative financial solutions for people who are truly committed to recovery. At Michael’s House, we maintain a firm commitment to helping our clients find a way to pay for addiction treatment.
Will shares his addiction story at Heroes In Recovery: “If you are struggling with addiction issues, please keep reaching out for help, he writes. “Don’t give up. It took me several times of trying to pick up the phone and putting it back down. I finally found the strength to pick the phone up at 3:00 a.m., and I was lucky that somebody answered when they did. That phone call probably saved my life.”
Our admissions coordinators are available to talk 24 hours a day M-F and S-S from 7am to Midnight. We can even suggest alternative treatment plans if our programs aren’t the right fit for you. Please don’t wait any longer—make the call now. We’re here to help. 760-548-4032
1 Young, Joel. L. M.D. “Addressing Mental Health Treatment Barriers.” Psychology Today. 7 November 2017.
2 “Addiction is a Chronic Disease.” National Institute on Drug Abuse 7 November 2017.