What to Do When You Can’t Afford Drug Rehab
There are many obstacles to picking up the phone and calling an addiction recovery center for help for you or your loved one. You may be discouraged by past relapses. You may be nervous about detoxing. You may wonder if you actually need help. Or you may simply be overwhelmed by the perceived financial burden of attending drug rehab.
However, many people are surprised to find that drug rehab—even in an exotic destination like Hawaii—can actually be quite affordable.
Read on to learn three great ways to fund your or your loved one’s recovery.
1. Start with Insurance
If you have insurance, there’s a good chance that your plan could cover all or part of your treatment. The level of coverage varies based on your plan, and you may still be responsible for a deductible and/or co-pay.
Here at Hawaiian Island Recovery, we accept most insurance plans. Our intake coordinators are available to help you work through your benefits and eligibility for coverage. To learn more, start by filling out our Verification of Benefits form, and someone will be in touch soon to provide more information.
If you don’t have insurance, now is a great time to purchase a plan. Under the Affordable Health Care Act, you can’t be denied coverage based on pre-existing conditions such as addiction or substance abuse, and ACA-sponsored policies typically cover 60-90% of the cost of rehab.
2. Go to a Lender
If insurance isn’t an option or doesn’t cover enough of the costs to make treatment affordable for you, an outside lender may provide the extra help you need. MyTreatmentLender.com has a variety of options based on your credit history and need. Loans can be as small as $500 or as large as $100,000, and secured auto title loans are also available.
My Treatment Lender is the only recovery-based lending company in the country, focused solely on serving those in need of behavioral health, substance abuse, and/or eating disorder treatment. Their loans can be used to cover your entire stay or just the co-pay and/or high deductible for which you’re responsible under your insurance plan.
3. Ask Friends and Family
While insurance and an outside lender should easily cover part or all of the costs of rehab, you can also turn to friends and family for additional help if necessary. GoFundMe and other crowdsourcing sites make it easy to set up a fundraiser and invite others to make donations of any size towards your rehab.
If you’d like to keep your decision to enter rehab more private, you could also ask someone close to you for a loan. While there are perks to borrowing at a lower interest rate, use this option with caution. Failing to repay a loved one can permanently damage your relationship, so make sure you’ll be able to follow through on paying them back.
Drug and Rehab Therapy You Can Afford
With the help of insurance plans, outside lenders, and even family and friends, treatment is completely possible.