One of the most significant problems in the world of addiction treatment is getting people to begin a rehab program. Each year, countless people don’t get the help they need. All too often, this happens because prospective clients and their families are worried about the expense. Paying for rehab can seem complicated, but there are some options.
Paying for Rehab With Health Insurance
One of the most common ways of paying for rehab is with health insurance. The overwhelming majority of Americans today have some form of health insurance. If you’re under 26, you might have healthcare through your parents. If you’re employed or a student, then your insurance might come through your employer or your college.
Whatever type of medical insurance you might have, it will cover at least some part of rehab. Current healthcare legislation mandates that every health insurance policy available in the United States include substance abuse treatment. Today, it is widely recognized that addiction is an actual disorder. It deserves medical care just like cancer, diabetes, or any other medical condition.
Keep in mind that paying for rehab through health insurance depends on the policy you have and the rehab options you’re considering. Many policies have restrictions on coverage. Most commonly, healthcare providers might require you to attend rehab at an accredited facility.
The good news is that even if a policy doesn’t outright cover treatment, there are partial coverage options. Sometimes, clients can pay a small percentage of the costs, but insurance will cover the rest. In other cases, clients can pay upfront but get reimbursed by the health insurance provider later on.
Using Savings to Pay for Rehab
For those who don’t have health insurance, or whose insurance policy won’t cover a specific rehab program, there are other options. If a person has access to personal savings, this can be a smart way to pay for addiction treatment.
Sometimes, people are wary of breaking into their savings accounts. While that is a reasonable concern, it is hard to imagine a better investment. Overcoming addiction means that you will be better able to keep a job, earn money and make smart decisions in the future. Using savings to pay for treatment could end up being one of the best financial decisions you’ll ever make.
Family and Personal Loans
Many individuals finance their addiction treatment. One of the most common ways of doing so is through credit cards. If the remaining costs of treatment after insurance or savings is minimal, then credit cards can be a smart option.
Some clients also take out personal loans or mortgages on their home to afford quality rehab. This is more common than you might realize, and banks are very familiar with the need to take out loans for medical treatment. If close friends or family members are willing, you can also borrow money to cover the costs of rehab.
Understanding the Value of Rehab
If paying for rehab is a big concern, you might wonder whether rehab is truly worth the cost. Rehab is not optional, however. By skipping rehab, you are putting your health at risk. You’re also reducing the chance of successful, long-term recovery from addiction.
Rehab is not a summer camp or a luxury vacation. It is a time to work on recovery, dig deeper into underlying issues and create a relapse prevention plan. You can’t put a price on sobriety. Without rehab, you’ll almost certainly have a tougher time throughout the recovery process and beyond.
What to Expect From Rehab
As you’re working out how to pay for rehab, don’t lose sight of what you can expect in a rehab program. At Kemah Palms, recovery is comprehensive and treats the whole person, not just the symptoms of addiction. Through the course of treatment, you can expect all of the following treatment methods and therapies:
- Group counseling
- Family recovery programs
- Motivational enhancement therapy
- Chronic pain recovery program
- Relapse prevention therapy
Paying for rehab can happen in a number of ways. Whatever option you choose, it will be a smart investment. At Kemah Palms Recovery® in Texas, you can expect treatment that prepares you for a lifetime of health. Take back control over your life by calling us at 855-568-0218.