Addiction treatment might be necessary if drugs or alcohol are dominating your life. Fortunately, many alcohol and drug rehab programs have succeeded in helping people find themselves and improve their lives.
Maybe you want to enter an addiction treatment program, but don’t know how you’ll pay for the services. The good news is that there are various ways to finance your addiction treatment.
1. Find a Second Job
Although the COVID-19 pandemic has made working (and so many other things) more challenging, there are still ways to earn additional income to finance addiction treatment or other medical care.
If you live in a warm climate, you could find a position that allows you to work outdoors, such as a job in landscaping or a job at a local park.
Other jobs allow you to work remotely using technology such as computers, internet access, and videoconferencing tools. Or, if you take precautions such as putting on protective gear, you can work as a shopper or driver to provide essential goods and transportation for others.
Second (and third) jobs are common in this new gig economy. And maybe the part-time hustle you took to pay for your addiction treatment could become a more lucrative full-time career in the future.
2. Sell Your Possessions
One thing that you can do quickly to raise funds for a rehabilitation program is to sell some of your possessions. Go through your things and consider placing any valuable nonessential items on the market. Examples of such items are electronics, gaming systems, artwork, jewelry, clothing, and the like.
Depending on what you sell, you might be able to raise the funds you need from one large sale. That way, you can pay for your addiction treatment in full and you won’t have to make monthly payments.
Instead of worrying about money, you can focus on fighting your addiction, recovering from it, and enjoying life.
3. Ask Your Family and Friends for Support
Addiction recovery can be pricey. Therefore, you might need to employ the help of other people to pay for your treatment.
Your friends and family members might be your largest supporters during this time of crisis. Go to them and let them know that you wish to better your life and you need them to help you with your journey.
Consider asking different people to contribute a portion of the money so that you don’t place too much of a burden on anyone person. You may be able to raise funds if your community comes together to help you succeed.
4. Draw on Your Existing Health Insurance
Your health care policy is another way that you can pay for 90-day drug rehab programs. The chances are high that you have some level of coverage for drug addiction treatment and mental health care if you have a health insurance policy through your employer.
You still stand a good chance of having coverage if you have a stand-alone policy that you purchased yourself. Call the number on the back of your insurance card or check the insurer’s website if you’re unsure about whether or not you have coverage.
The company’s representatives can tell you about your benefits and any copayments or coinsurance that you will have to pay to cover your treatment. They can also let you know which facilities you can attend or programs you can visit.
5. Find a Government Grant
Government programs sometimes provide grants to people who would like to receive treatment for addiction. You’ll have to meet the qualifications of the grant if you want to obtain it, but it won’t cost you anything but time to do so.
Check your government institutions and ask about upcoming grant awards. You don’t have to repay grant money. Therefore, it might be a good move to check to see if you can receive that type of funding first. You may end up receiving treatment for your addiction for free.
6. Earn a Rehab Scholarship
On a related note, students can earn scholarships to attend college or participate in other programs. Did you know that people can earn scholarships to cover the costs of their rehab stays?
They can. Private organizations such as 10,000 Beds offer scholarships to help cover rehab costs. A number of addiction treatment centers also offer scholarships for people who stay and use the services at their facilities.
7. Apply for a Personal Loan
Another option for financing addiction is to apply for a personal loan. You may be able to qualify for a personal loan if you have a steady source of income and your credit score is good. You must also have a decent debt-to-income ratio to receive approval for a personal loan.
Ask your local banks and credit unions to see if they can offer you some help. If that doesn’t work, you can apply through some smaller institutions.
You could also opt to apply with a high-risk lender, but the high-risk lender may charge you higher interest rates than other sources.
8. Use In-House Financing Through an Addiction Treatment Facility
Yet another way to finance treatment involves checking with the treatment facility that you want to visit. Some facilities have in-house financing that they offer people who wish to receive treatment.
To participate in this arrangement, you may have to present proof of income, proof of residence, and identity documentation to apply through the institution. You may be able to qualify for at least partial coverage of your treatment. You might be able to pay the rest through some of the other methods mentioned above.
9. Consider Different Addiction Treatment Options
If you are concerned that going to drug or alcohol rehab for a long time will be too expensive, it might pay to research your options.
Maybe you could go for detox (detoxification) at one place and treatment at another. You could receive addiction treatment at a government-funded center for some or all of your care.
Or, maybe you could participate in inpatient treatment for a month, which means you’ll stay at a facility while receiving treatment during that time. During this time, you can also work with your addiction treatment center to arrange inexpensive yet effective care after you leave the facility.
This care can come in the form of outpatient programs where you would visit facilities for treatment but return home at night. It can include seeing insurance-funded therapists for regular appointments or participating in periodic group therapy sessions.
10. Remember Sobriety Groups
Sobriety groups such as Alcoholics Anonymous or Narcotics Anonymous (AA or NA) are vital to many former alcohol and drug users. In fact, many people participate in one or more of these options to aid their ongoing recovery.
These groups offer ongoing support. They provide newly sober people with mentors to answer their questions and serve as role models, showing that ongoing sobriety is possible.
These groups are free but accept donations. The free nature of these groups can help people heal while making it easy on their participants’ budgets.
11. Start Your Addiction Recovery Soon
While money isn’t everything, it is important. Worries about paying for treatment, especially if addiction has already destroyed their finances, might make stressed people even more stressed. They might think that they might as well keep drinking or using drugs because they won’t be able to afford the care they need.
But care, affordable care, is available. Using the above financing methods alone or together can help you find the addiction treatment you need. With such treatment, you might find your way to recovery, better health, and overall better life.
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Patrick Bailey is a professional writer mainly in the fields of mental health, addiction, and living in recovery. He attempts to stay on top of the latest news in the addiction and the mental health world and enjoy writing about these topics to break the stigma associated with them.