Accepting that you have a developing dependency problem on alcohol and realizing that you need help is the first major step to gaining treatment. However, when reality dawns on you that addiction treatment comes a cost, another barrier is identified. “How am in going to pay for rehab?” often is the leading question among victims of alcohol addiction.
Unknown to a majority of addicts and their families, the cost of substance addiction treatment is a barrier but doesn’t really need to be if you explore your options properly. Today, the government, treatment facilities, and certain non-profit making organizations have made it possible for people to benefit from subsidized and free alcohol addiction treatment programs. If you aren’t insured or employed, but you are determined to get your life on track by enrolling for addiction treatment, this piece is for you.
Try out Medicare and Medicaid options
The government set out special state and federal sponsored health benefits for specific segments of the American population. Both Medicaid and Medicare programs cover the cost of alcohol addiction treatment in facilities that liaise with the government. They target people from low-income households, the elderly, children, pregnant women, or the disabled.
Each program has its own set of requirements that should check out if you are eligible for addiction treatment. It’s important to note that not all rehab centers accept these covers. You might want to find out rehab centers in your area of residence willing to take Medicaid or Medicare as cover for their services.
Consider state-funded rehabs
Without insurance and unemployment, you may have limited resources to get you through rehab successfully. Fortunately, state-funded rehabs are sprouting throughout the country, and they can be the ideal option for you. These programs are affordable and sometimes even free reason being; they run on government funds. Depending on your needs and goals, a good number of these state-funded rehabs offer outpatient, inpatient, after-care support, and partial hospitalization. Consider asking around your area to see if there are any state-funded rehabs that you can try out.
COBRA Coverage
Unemployment can be quite detrimental to how you handle your addiction problem. At a time when unemployment rates rise by the day, there are still viable options available. If you find yourself in a situation where you lost your employment status along with your job-based insurance coverage, you could speak to your employer about offering you COBRA continuation.
What is COBRA? Also known as the Consolidated Omnibus Budget Reconciliation Act, is an agreement between you and your former employer after losing your employment status. It allows you to continue benefiting from the job-based health insurance coverage for a specified amount of time. Get to clear the details with your employer and insurer and see if you qualify for COBRA to help you cover for the addiction treatment.
Explore scholarships and grants
Philanthropists, faith-based rehabs and non-profit making organizations, occasionally offer scholarships and grants to less fortunate individuals willing to benefit from alcohol and drug addiction treatment. Interested candidates often must be from low-income households, have no external support from family, pregnant women, the disabled, or unemployed. You will be required to apply for funds. There is no harm in trying out these options, especially if you demonstrate some willingness to work on your sobriety and align with the organization’s missions. Most of the funds from these organizations are from donations and fundraisers.
Financing
Your alcohol addiction problem continues to deter with your quality of life the longer you wait without seeking professional addiction treatment. Unlike in the past, when financial institutions couldn’t offer financing for health matters, today, many banks and money-lending companies provide loans for medical assistance. If you have a good credit score, consider seeking finances from these institutions to help you get on your feet, go back to work and, pay them back.
Most of the terms in the lending plans include some grace period where you can recover fully from addiction and still find time to find a job, repay your borrowed amount, and rebuild your savings. However, be careful not to sign up with unscrupulous lenders with ridiculous interest rates.
As they say, the end justifies the means. Other options, such as fundraising, borrowing friends, and family, can help raise the required amounts required to take you through alcohol addiction rehab. Contact us today to speak to one of our specialists about your options and journey to sobriety. We will be delighted to be part of your story. Call us today at 833-820-2922!