If you or someone you care about is struggling with an addiction to alcohol or drugs, you’re obviously looking for a way to pay for a reliable detox program. If you are having financial troubles, a detox and rehab program may seem like a far-fetched dream that won’t ever materialize. Luckily, there are plenty of ways you can pay for such an important program.
If you are wondering how to pay for detox, read on for some useful ideas.
Health Insurance
If you have insurance, either through your place of employment or through your state, you may be surprised to learn that your provider might offer coverage. Call the company and ask to speak to a representative to find out more. Try this option before anything else to see if you can have part or all of your detox covered. If they do offer some type of coverage, you may have to pick from an approved list of rehab centers as part of the process. In some cases, insurance will only cover the cost of detox. If you wish to stay in a program longer, then you will likely be responsible for some of the costs.
Once you find out what your insurance company will cover, it is time to figure out how to pay for the rest. Keep reading to learn more.
Government Assistance
Depending on the state you live in, you may be able to find private assistance options from companies and programs that offer help. For example, you may find a government-run program that will cover some of the costs of rehab if you are a low-income resident. To take advantage of state-run programs, make sure to have the necessary information on-hand. This will include your income, credit history, assets, and net worth. Some programs will offer assistance based on your income, or they may offer payment plans if your credit history is high enough. Exhaust all of the private assistance options you may have before moving onto the next step.
Employer Assistance Programs
If you are currently employed, talk to your employer to find out if they offer an EAP, or employer assistance program. An EAP typically offers help for employees who are dealing with personal problems or family challenges. They will usually help you pay for drug or alcohol rehab programs, legal issues, and mental health problems. Contact your human resources department to find out if your company offers this and how to take advantage of it if they do.
Credit Card Options
If you have credit cards with a high enough limit, you may be able to use them to pay for detox. Your best bet will be to use a credit card that has the lowest APR to pay for part or all of your detox stay. If one card doesn’t have a high enough limit, the detox center may allow you to split up the amount between two or three cards. Talk to a representative of the detox facility to find out your options.
Cash Payment
Most detox centers will be more than happy to accept cash payments for their programs. If you have any savings you can use, consider applying the money to your bill. Remember, getting clean is one of the most important choices you will ever make. In fact, it could be a life-saving decision! It may be difficult to part with your hard-earned cash, but you will be thankful for the decision in the long run. Talk to a representative to find out if you could even set up a payment plan for your stay to break up the cost into easy-to-manage payments.
Bank or Credit Union Loan
If you have an account with a local bank or credit union, you may be able to take out a loan to pay for detox. While this will mean taking on a new monthly payment, your life will be much better if you complete a detox program. Negotiate for the best loan possible before signing on the dotted line. Look for loans with the lowest APR to save money in the long run. If your bank doesn’t want to give you a loan, you may have better luck with a local credit union. Their policies are often more lenient than local banks, and you might get enough of a loan to cover part or all of your detox stay.
Call Our Detox Center Today
Let us help you figure out how to pay for detox. Talk to a representative today to learn more. We can be reached at 833-497-3812. We look forward to hearing from you!