If you’re suffering from drug and alcohol addiction, you should not delay treatment because you think it’s too expensive. Living with a substance use disorder—that’s what is costly, to your finances, your physical health, your mental and spiritual well-being, and your personal relationships.
At JourneyPure Bowling Green, we realize every person’s circumstances are different. That’s why our benefits checks, free to anyone who reaches out to us, not only checks whether you have the necessary insurance plan, but whether or not you might be a good candidate for an insurance plan. Should it turn out that you could benefit the most from a different rehab facility, we will get you to that place. Your well-being is what’s important.
For those in need of substance use disorder treatment but who lack insurance, don’t be discouraged. There are lots of viable options to cover the costs of a stay in a rehab facility. Read on for options regarding rehab without insurance.
If you are able, you may also choose to pay for your drug and alcohol rehab program completely “out-of-pocket,” meaning with zero help from an insurance plan or third-party lender.
If your personal financial circumstances permit you to pay for rehab with a single out-of-pocket payment, or if a family member has stepped forward to offer help, you can and will be accommodated. If you’d like to obtain an estimate of the total cost of drug rehab, our admissions specialists are happy to go over that with you.
Health Savings Accounts
HSAs are a good way to reduce your out-of-pocket expenses related to treatment, especially if you don’t have insurance or have a plan with a high deductible.
If you have a Health Savings Account (HSA), the funds from that account may be eligible to use for certain aspects of drug rehab, such as:
- Transportation to and from 12-Step meetings or therapy sessions
- Certain pharmaceuticals (if your treatment regimen calls for them)
Employee Assistance Programs
A lot of companies offer an Employee Assistance Program (EAP) to their employees. Employee Assistance Programs are designed to help you manage personal or work-related problems, such as those involving child care, family issues, psychological disorders, and drug and alcohol abuse.
Lots of EAPs help companies and other organizations cope with and prevent workplace violence, trauma, and other emergency situations. EAP counselors also work with managers and supervisors in a consultation role to address employee challenges and needs.
EAPs are often provided at no cost to the employee, and EAP benefits may even extend to other members of your family that are covered by your medical insurance, such as a child or a spouse.
To find out if you have access to an Employee Assistance Program, review your company’s benefits manual or speak to your organization’s human resources manager. If It turns out your employer does offer an EAP, contact our admissions team and we’ll help you figure out how to get the most from your EAP.
What sort of third party makes loans to people with substance use issues? For those of you picturing backrooms full of loan sharks with questionable motivations, you might be surprised at the number of viable options out there.
However, your ability to obtain a private third-party loan can vary, depending on the strength of your credit and your overall financial picture, which, let’s face it, if you’ve been living with a substance use disorder for any extended period of time, might not be all that great. Still, a third-party loan can help cover the costs of rehab by allowing you to pay over an extended period of time, via monthly or quarterly installments. And JourneyPure can help you secure a third-party healthcare loan to help pay for rehab.
While picking up extra debt at this point in your life might not be ideal, delaying your recovery because you’d rather not deal with future bills is unwise. You need help and we’re here to help. Reach out to us today!