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Paying for rehab: 5 things you should know

Financing

Paying for rehab

If you’re suffering from a substance abuse problem and ready to seek help, there’s a good chance that you’re facing some frightening expenses. Both inpatient and outpatient rehab are effective, but expensive, options. Inpatient rehab can average about $715 per day. Outpatient rehab comes in at about $135 per day.

However, investing in addiction treatment is typically worth it in the long run, as it can save you a great deal of money. Individuals who overcome addiction will be able to save money on:

  • buying drugs or alcohol
  • medical problems due to substance abuse
  • relationship problems and divorce
  • legal troubles
  • job losses

Paying for rehab: 5 things you should know

Keep in mind that rehab is something of an investment, and you should protect your investment. There’s no sense in paying for rehab, if you’re going to waste that money by not following through. We’ve put together a few tips to help you make your rehab successful.

  1. Don’t be afraid to ask for help. Everyone needs a little help sometimes, and a strong support system during rehab and recovery can give you the extra confidence and determination that you need.
  2. Avoid places where you’re likely to abuse your substance of choice, as well as people who don’t understand respect your decision to get clean. The temptation may be too much for you.
  3. Make arrangements to pay back any money that you borrow to pay for rehab, and honor those arrangements. This includes money that you borrow from your employer, family members, friends, and even yourself.
  4. Realize that getting and staying clean and sober won’t happen overnight. It will take a great deal of time and determination.
  5. Understand that everyone makes mistakes. If you slip up, don’t give up on your recovery. Learn from your mistake, don’t repeat it, and move on.

Financing rehab

Even if you have insurance to help pay for rehab, there’s a good chance that you’ll still have some out-of-pocket costs. There are a few ways that you can go about financing rehab and make treatment more affordable, regardless of whether you have insurance or not. How?

Access your personal savings. Digging into savings is one of the quickest and easiest ways to go about financing rehab. You can withdraw money from savings and similar accounts, such as money markets. If you have retirement accounts or life insurance policies, you can usually borrow money from these as well.

Arrange payment directly with the rehab. Many rehab facilities are also willing to help individuals who can’t afford treatment. They may offer sliding scale fees, for instance, which are based on your income. You might also be able to work out financing or payment arrangements, which will make it easier to pay a large rehab bill.

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Apply for a scholarship. Search for help through a local addiction community center. Foundations or individuals often sponsor people during rehab and may pay for part of all of your time in rehab to honor a loved one.

Help paying for rehab

There are a number of places you can turn if you need help paying for rehab. Family and friends may be very supportive of your decision, for instance, and willing to lend you some of the money you need for treatment. Your employer might also offer assistance to any employee that needs drug or alcohol rehab. Employee assistance programs may help pay for rehab or offer free or reduced cost counseling.

Affordable care act and rehab

Also consider that rehab is becoming more and more affordable by law. In March of 2010, the Affordable Care Act was signed into law by President Barack Obama. Amongst other things, this law requires health insurance companies to offer a policy with mental health and substance abuse coverage. Co-pays for these services must also be no higher than co-pays for other basic medical services. This means that policyholders will not be required to pay an outrageous amount of money for treatment. You can purchase private health insurance through the Health Insurance Exchange beginning in October 2013.

Rehab payment questions

Hopefully, you now realize that paying for rehab doesn’t have to be grueling. There are a number of resources out there that you can use to your advantage. However, if you have any other rehab payment questions, you can leave them in the comments section below. Our readers are important to us, and we look forward to helping you move toward a sober lifestyle.

Reference Sources: NCBI: Benefit–Cost in the California Treatment Outcome Project: Does Substance Abuse Treatment “Pay for Itself”?
The White House: Substance Abuse and the Affordable Care Act
SAMHSA: Health Reform
MCCA: Employee Assistance Program

Leave a Reply

8 Responses to “Paying for rehab: 5 things you should know
Bonnie
4:07 pm November 22nd, 2015

Meth addiction, ptsd, battered women s syndrome, homeless, tired, and PREGNANT .HELP ME

12:30 am November 27th, 2015

Hello Bonnie. You’ve too much on your plate! Stay strong, and everything will be fine. I suggest you call the number displayed on our site to get in touch with our trusted treatment providers who can help you access adequate treatment program. Good luck!

Skylar
3:29 am August 23rd, 2016

I liked your points on how paying for rehab is an investment. it’s true that once you get better you’ll end up saving because you can hold a job and you’re no longer purchasing certain substances. My brother is needing to get into rehab, we’re talking about financing right now.

1:03 pm August 24th, 2016

Hi Skylar. Glad you found some good points in this article. I wish your brother and family a successful recovery.

Roylan
3:29 pm November 13th, 2017

I want to rehab my mom but i dont know how? Can you please help me!

Lydia @ Addiction Blog
3:11 pm November 15th, 2017

Hi Roylan. I suggest that you download our free e-book ‘The Definitive Guide To Rehab’ to learn more about the whole process: http://addictionblog.org/ebooks/the-definitive-guide-to-rehab/
Also, call the helpline you see on the website to get in touch with a trusted treatment consultant who can help you find the best rehab program for your mom.

justamom
1:07 pm January 20th, 2018

my son needs rehab asap. severe TBI when he was 20. several personality disorders, ptsd,perm brain injury frontal lobe, so very hard to talk to when gets upset. had severe adhd since grade school, still has add but quit all add meds long ago. has ssdi due to the accident and brain injury, but now has huge heroin addition when they cut off the oxy he had been on for 10 yrs for pain injuries from accidents. has spent all savings he had. i dont think hes even paying utility bills now, and having infections, and asking for money, as i think every bit of money is going to the drugs. i know if he goes to in patient facility they will cut off ssdi benefits.??we dont have money to pay for it im on disability myself and barely getting by. or can he get first 30 days as in patient without losing his ssdi benefits? then medicare for the outpatient? he cant do it cold turkey, he losing everything his health getting bad. i want to get him to detox and rehab somehow

Lydia @ Addiction Blog
2:45 pm January 25th, 2018

Hi Justamom. Call the helpline you see on the website to get in touch with a trusted treatment consultant who can help you find the best rehab program for your son.

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