10 Insider Secrets to Getting Affordable Alcohol Addiction Treatment
Many people refuse to go to alcohol addiction treatment because they claim that they cannot afford it. But, there are many ways to finance your trip to rehab. The following list covers some insider secrets that should help you finance the treatment that you need.
In 2014, only 8.9 percent of the people who needed treatment for an alcohol use disorder received it. If they knew more about funding, more of them would have been treated. To learn more about covering the cost of rehab or to find a rehab program you can afford, call 800-481-6320Who Answers?.
1. Attend State Funded Treatment
If you are considered low income and you have no insurance, state funded alcohol rehab is an option worth looking into. In general, you simply need to provide:
- Proof of income and insurance (or lack thereof)
- Legal resident status in the US
- Residence in the state
- Proof of addiction and need for services
As these programs are funded by government sources, they offer their services without charge. To locate a program, contact a local substance abuse or mental health agency.
2. Use an ACA-Sponsored Health Plan
Under the Affordable Care Act, all small group and individual health plans must provide coverage for alcohol rehab. The percentage of coverage that they offer is dependent upon the type of plan that you have. People whose incomes fall between the federal poverty level and four times that level are eligible for tax credits.
It is worth visiting the Health Insurance Marketplace, if you have not already, to see for which level of coverage you are eligible.
3. Consider Faith-Based Rehab
There are a lot of groups that provide faith-based alcohol addiction treatment, and many of them provide care at a low cost or for free. For example, Salvation Army’s Adult Rehabilitation Centers and Harbor Light programs provide:
- Group therapy
- Individual therapy
- Residential housing
- A clean, healthy environment
- Spiritual direction
They don’t get government funding, so they rely on the items sold in their thrift stores and on donations to fund these programs., This allows them to offer them to people with substance use problems free of charge.
You can often find faith-based alcohol rehab options by speaking with spiritual leaders and community outreach representatives.
4. Look into Financing
If you need treatment right now and you simply don’t have the money to pay for it, financing may be your best option. Many people with alcohol addictions have a hard time holding down a job and managing their finances, so it isn’t unusual to be in this position.
Typically, a financing plan offers you the full amount needed for rehab and you give that to the treatment center. At that time, you agree to a payment plan, as you would with any other loan. Many plans do not ask for the first payment until after you have completed treatment and some will even provide a grace period for you to get back on your feet.
Some programs even offer zero-interest financing.
5. Ask About Scholarships and Grants
There are treatment programs and non-profits that will subsidize a portion of your treatment expenses via scholarships and grants. Each one will require a different set of information be provided, but generally, they are looking for:
- Demonstrated commitment to recovery
- Financial need
- Insurance information
Look for online applications by Googling and make sure to ask every rehab center you consider whether or not they offer any grants or scholarships.
6. Ask About Sliding Scale Fees
If you have significant financial obstacles to treatment, look for a rehab center that has a sliding fee scale. They offer their services at a rate that matches your ability to pay.
7. Dip into Your Savings
This may be the time that you have to take money out of your savings or retirement. You might also sell a financial asset, like a car or boat. It doesn’t necessarily make things feel affordable, but it allows you to go to rehab and that’s what matters.
Platforms like GoFundMe and other crowdfunding alternatives give you an opportunity to subsidize some of your care by asking the people around you to pitch in. People who are concerned by your alcohol abuse are often glad to contribute to your recovery because they love you and want you to get better.
9. Ask Friends and Family to Borrow Money
Unlike crowdfunding, this would be an actual loan that you would have to repay, but your family is likely to give you quite nice terms.
10. Go Abroad
Rehabs that are offered in countries like Thailand, which have a lower cost of living cost considerably less than American rehab centers. Of course, they also offer a different level of care. However, if you can afford the plane trip across the globe, you may find the final cost of your stay to be much lower than it would be stateside.
To learn about affordable care near and far, call 800-481-6320Who Answers?. You can afford to get better.