Ways to Pay for Alcohol Rehab
Alcohol rehab is a necessity for people who have had a problem with alcohol abuse.. The problem many people have is finding a way to pay for their rehab without going deeply into debt. Insurance is an option for many, but for those who don’t have that luxury, there are several options they can take advantage of one at a time or several at once.
Covering My Rehab Costs
There are several ways to cover the cost of your alcohol rehab. Insurance will cover many different types of rehab. Personal loans, credit/debit cards, and cash are also viable options. You may choose to use one form of payment, while others may have to use several. You may also have the option to pay for your alcohol rehab all at once or stretch the total cost over several smaller payments. Family members may choose to contribute as well knowing that the help they provide will allow you to regain your footing and build a better future for yourself. It’s important that you discuss all of the options you have at your disposal.
Insurance Coverage for Alcohol Rehab Treatment
Due to new laws, insurance companies must at least be willing to offer coverage for addiction services and that they be included in medical benefits packages that cover other essential services. Essential services are those that insurance companies must cover due to their basic nature. Insurance companies can’t choose the services they want to cover if they fall into this essential category. This is why most insurance companies will at least cover the cost of alcohol rehab.
It’s important to remember that some types of insurance plans have hidden fees and requires that you see one of the approved providers on their list. If you find a rehab facility that you really want to try, you may be out of luck if they do not appear on the list of providers the insurance company offers. This may also be where some of the hidden fees come in as well. You will need to go over your insurance policy thoroughly before you enroll in your rehab program to make sure if the facility is covered and what types of fees you may be responsible for.
Private Pay, Cards, or Cash Payments for Rehab
If you choose to bypass your insurance, you can avoid hidden fees or insurance-related expenses. By paying for your rehab yourself, you also have the option to negotiate your fees. This can dramatically reduce your overall cost and make your rehab much more affordable. It has been proven that when patients pay cash for their rehab programs, providers will reduce their costs so that their services are more affordable.
In today’s world, many patients who seek alcohol rehab live from one pay period to another. This can make paying for rehab a challenge if you don’t have insurance. If you do choose to pay for your rehab on your own, you may get a reduced price as well as the option to pay for their services on a payment plan. Private pay accounts can often be stretched out over a year or longer depending on the total cost and what other payment options you may choose to use.
Alcohol Treatment and Personal Loans
One of the most popular alcohol treatment payment options to use aside from insurance is to apply for a personal loan. If you choose to apply for a personal loan, you will want to know how much you are going to need before you approach the lending institution. Applying for a personal loan may allow you to make smaller payments than those offered by the rehab facility.
If you want to try and use a personal loan and your family is going to try and assist you in paying it off, avoid trying to get a payday loan. Payday loans have a higher than average interest rate and will take you much longer to pay off. Instead, go to a regular bank and apply for a personal loan. If a family will co-sign for you it will make the application process go much smoother and you have a better likelihood of being approved for the loan.
Understanding Your Alcohol Rehab Charges
The charges for your alcohol rehab services can be confusing. It’s important that you understand what each charge is and why it is included. If you have questions, ask the facility manager to explain them to you. You can also talk to your insurance agent to see if they can help you make sense of the charges and the fees. Understanding each of the charges will ensure that you don’t pay for services you didn’t receive. Talk to individuals you know who understand accounting and can explain how the rehab facility’s charges should be interpreted.
Billing for Alcohol Rehab
When it comes to your alcohol rehab facility’s billing practices, most of them are very simple and easy to understand. While you are receiving the treatment you need, the person responsible for managing your payments will receive a bill or monthly statement that details the charges you received. Once the bill has been received, you or your responsible party will need to make the required payment according to the schedule you agreed upon with the facility. If your insurance company is paying the bill, it will be sent to them and they will be in charge of making sure it is paid in a timely fashion.
Alcohol rehab is worth the price if it will help you get your life back on track. The right rehab recovery program will not only help you recover physically and emotionally, it will also provide you with payment options that will allow you to take care of your responsibilities without having to stress over the cost or the payments. If you are looking for an alcohol rehab facility that works with you while you are on the road to recovery, call Harmony Place today. They have the payment answers you need that will allow you to get the treatment you deserve.
- Substance Abuse and Mental Health Services Administration, SAMHSA’s National Helpline
- American Addiction Centers, How to Pay for Rehab Without Insurance
- American Addiction Centers, Loans, Insurance or Finance – How to Pay for Alcohol Rehab?
- Escudero, Nick (2020). How to Pay for Addiction Treatment, The Simple Dollar
- Help.org, How to Pay for Substance Abuse Rehab