They’ll never stop paying.
Addicts pay for their addiction every day, and sometimes with their life. In the year 2017, over 70,000 Americans died from drug overdoses. These deaths include the use of illicit drugs and prescription opioids.
Yet, sometimes the tolls of addiction aren’t as obvious as death. Sometimes the costs are more subtle, affecting both the addict and their loved ones. A little joy here, a little peace of mind there, until finally all that’s left is fear and pain.
Exploring rehab financing options is a great way to take action towards helping your loved one. You can’t stop someone from being an addict, but you can take steps to help them get the help and support they need.
Read on to discover how to pay for rehab, even if you don’t have the money.
Rehab Financing in Daly City CA
You know in your heart that it’s time for rehab, now what? Here are a few of the different avenues you can explore to pay for rehab in Daly City, California.
- Insurance options
- Payment plans
- Friends and family
The more information you gather about each financing option, the more empowered you’ll be in your decision. Let’s start by looking at how you can use health insurance to help make rehab payments.
Paying with Health Insurance
Do you have a private health insurance plan? Many private plans will be able to cover some portion of the rehab expenses.
Thanks to the Affordable Care Act, substance abuse is no longer thought of as a pre-existing condition. Instead, now addiction services are being considered to be essential health benefits.
To make sure your private health care plan will cover addiction services, you can call your insurance company directly to ask. If you’re not ready to speak to a live person, that’s okay. You can find most of the information you need about your insurance plan on their website as well.
If you’re having difficulty getting the answers you need from your insurance company then it’s time to contact the rehab facility. Instead of searching for information online, you’ll need to call the treatment center directly.
When you call them, they can check their database to see if they fall within your provider network. The treatment center will also be able to tell you how many days, and what specific services, your plan will cover.
Explore Payment Plans
If you don’t have health insurance, you’re not alone. There are about 3 million uninsured individuals that are currently living in California.
Instead of giving up, call the rehab facility, and ask about their financing options. Sometimes a treatment program will be able to offer you a discount if you’re able to pay with cash.
In addition to inquiring about a cash discount, ask about installment plans. If they have installment plans, you can comfortably pay for your treatment over a determined period of time.
Sometimes a rehab facility will have a variety of convenient installment plans for you to choose from. Options could include things such as monthly payments, payments upon completion, and automatic payment options.
Ask All of Your Questions
Another benefit to calling the facility is being able to remove a lot of the “unknowns”. During your call, ask them questions about the types of treatment they offer, and what the facility looks like.
Even if the rehab facility isn’t able to offer you payment options, they can still help you become more informed about their center. Knowing more about the treatment center can make it easier to ask family members for a loan.
Loans from Friends and Family
Do you cringe at the thought of asking friends and family for money? Finances can be an incredibly emotional subject, especially when coupled with the subject of addiction.
Remember, you’re not asking for help because you want to buy yourself a new car, you’re asking to save a life. Here are a few tips to make the process of borrowing money hassle-free.
- Clearly explain why you need the funds
- Set up clear repayment plans
- Sign an agreement
Having a clear agreement is a safe way to prevent any arguments due to a miscommunication.
Ask the Right People
Another aspect of borrowing money from friends and family is knowing who to ask. Carefully consider who would be in a position to financially assist you with your endeavors.
Try to avoid asking any friends, or family members, who are consistently struggling to make ends meet. Financially unstable friends could add stress to your life if they start pressuring you for payments.
Benefits of Small Loans
If most of your friends or family members are financially unstable, only ask to borrow low amounts. This way you won’t be putting your friends, or family members, in a difficult situation, if you can’t make your payments.
You can also go public and crowdfunding sites to help you gather donations. It’s normal to feel shame when talking about addiction, but it doesn’t have to be that way. Substance abuse is a disease, it doesn’t make you, or the addict a bad person.
Offering Support Throughout Addiction
Exploring rehab financing options is a tremendous way to help support a loved one during their addiction. Yet, finding ways to fund treatment, is only a part of the support they need from you.
Addicts also need you to support them emotionally. Instead of placing expectations on them to get better, offer them your patience. As you wait for their recovery to begin, educate yourself about how the disease of addiction works.
Here at Alcohol Addiction Recovery Place, we are on a mission to help stop the agony of addiction. We know that recovery is always possible, no matter how dark things may seem right now.
Don’t wait until it’s too late, learn about treatment options today. Team members from our Daly City, CA center, are standing by to answer any questions you may have. Explore our drug rehab information, and make your confidential inquiry today.