Getting drug addiction help now without insurance can be a daunting task for many families. Fortunately, there are ways to finance recovery and there are options that can be used to secure a place in a substance abuse treatment facility.
Before you begin, if you do have insurance and don’t think that rehab can be covered, check again. You may be surprised to find out that your insurance does cover rehab facilities. If you are insured through the Affordable Care Act, then drug and alcohol rehab is one of the 10 essential health benefits that are required. You must do research on how much is covered and in what circumstances.
If you don’t have insurance, then this shouldn’t stand in the way of getting treatment. There are options that exist for those without any insurance.
State Funded Rehab: A state-funded rehab will use government money distributed to the individual states to help people who are in recovery from drug or alcohol addiction. These centers can also provide detox, as well as treatment services for those without insurance and you don’t have to have savings or a large income. In order to qualify for these types of programs, a person will need to show proof of residency in the state, as well as personal information and income status.
Faith Based Rehabs:
There are a number of faith-based groups that will provide treatment. Many of these programs are free of charge. In order to find a faith based rehab, talk to leaders of your religious tradition.
Grants or Scholarships:
There is the option to apply to the Substance Abuse and Mental Health Services Administration in order to find a grant that can help with treatment. Grants are targeted toward people who don’t have insurance and can’t find another way to pay for the care. You will need to see if you qualify by looking at the application on the website. You can also contact a list of centers in your area to see if they offer any scholarship opportunities. Many do, and it’s worth the phone call.
Subsidized Coverage:
For those who don’t have any income or low income and can’t pay for rehab, there is subsidized coverage available from state governments. This coverage can provide subsidies that can cover no insurance rehab or help with financial assistance for those who are seeking treatment but can’t pay for it.
Sliding Scale Payments:
Many rehabs are aware of how hard it can be to finance recovery when getting drug addiction help now. Many are willing to work with you in order to create a personalized finance plan for their services. Plans are based on income and what you can pay. This helps those with lower incomes seek the treatment they need.