HOW TO PAY FOR TREATMENT
If your family is suffering the consequences of substance abuse and is ready to seek help, you may face some significant expenses. We at Whole Families Intervention and Holistic Recovery Services are here to help you find ways to pay for treatment.
Treatment has proven highly effective. The National Council on Alcoholism and Drug Dependence (NCADD), reports more than 90% of all interventions led by a trained professional resulted in the person of concern agreeing to seek treatment. Yet it can be expensive.
Inpatient treatment can average over $700 per day. Outpatient treatment averages just over $100 per day. These costs can feel overwhelming and perhaps out of reach. The good news is everyone can afford treatment.
The question to ask is, "Is this person's life and my family's wellbeing worth saving?" When struggling with addiction and its resulting consequences for the whole family, we can't afford not to seek treatment.
TREATMENT IS A VALUABLE INVESTMENT
While the initial investment may feel out of reach, treatment is worth it. You may be saving more than one life. and in the long run, save a great deal of money on:
- the extremely high cost of drugs and/or alcohol
- high cost of medical complications and/or disease resulting from addiction
- relationship problems
- high cost of legal issues
- job losses
PROTECT YOUR INVESTMENT - TIPS TO HELP MAKE TREATMENT SUCCESSFUL
Given that treatment requires both financial and emotional commitment, it's important that everyone dedicate themselves to the process.
Treatment is most successful when both the person of concern and the family commit to their own health and wellbeing both during and afterwards.
We’ve put together a few tips to help make treatment successful. These are suggestions. Take what works for you. Leave the rest.
- Don’t be afraid to ask for help from those you trust. A strong support system for both this courageous decision and journey can give your whole family the extra confidence and determination it needs to heal itself.
- Upon leaving treatment, we encourage you and your support network to assist newly recovering people to avoid those places where they abused their substance of choice.
- Assist them in avoiding those people who don’t understand respect their decision to get clean. The temptation may be too much for them.
- Make arrangements to pay back any money you might have borrowed to pay for treatment. Honor those arrangements. This includes money that you might have borrowed from your employer, extended family, friends, and even yourself.
- It will take patience and forbearance. For the person concerned getting clean and sober - and staying clean and sober - won’t happen overnight. It will take a great deal of time and determination.
- For the person concerned and your whole family, self-care is essential in living a life of health and wellbeing. Recovery coaching is hugely helpful in encouraging and guiding the whole family toward a life of wholeness.
AFFORDING TREATMENT - FUNDING OPTIONS
There are several ways to help you afford treatment. Here are a few suggestions.
Medical insurance. If you have health insurance, you can use it to help offset the cost of addiction treatment. Most insurance companies will cover a portion of treatment costs and only require you to pay a small copay. Contact your insurance company for more information.
Obama Care. Treatment became more affordable by law, known as the Affordable Care Act or Obama Care.
The law requires health insurance companies to offer policies that cover mental health and substance abuse. Co-pays for these services must be no higher than co-pays for other basic medical services. This means that policyholders will not be required to pay an outrageous amount of money for treatment.
Medicaid. Low-income individuals might qualify for free or very affordable addiction treatment through government programs. One of these programs is Medicaid.
To find out if you qualify for Medicaid or other government assistance for addiction treatment, contact your county assistance office or your state’s department of health and human services.
Access your personal savings. Your savings is one of the quickest and easiest ways to go about financing treatment . You can withdraw money from savings and similar accounts, such as money markets. If you have retirement accounts or life insurance policies, you can usually borrow money from these as well.
Arrange payment directly with treatment center. Many treatment facilities are willing to help families who can’t afford treatment. They may offer sliding scale fees, which are based on your income. You might also be able to work out financing or payment arrangements, which will make it easier to pay a large rehab bill.
Reach out to your employer. Many businesses offer assistance to any employee that needs drug or alcohol treatment. Employee assistance programs (EAP) may help pay for treatment. Post-treatment, they may provide free or reduced cost recovery coaching.
Apply for a scholarship. Foundations or individuals often sponsor people during treatment and may pay for part of all of your time in treatment to honor a loved one. Your local addiction community center may offer scholarships for treatment. It pays to ask.
Ask family and friends. Family and friends may be supportive of your decision. If they have disposal income, they may be willing to lend some of the money needed for treatment.
CAN I REALLY AFFORD TREATMENT?
The truth is everyone can afford addiction treatment. In fact, you really can’t afford not to look into addiction treatment for someone you love. Successfully completing an addiction treatment program will save you and your family a significant amount of money in the long run.
The economic benefits of addiction treatment greatly outweigh the initial cost. According to one study, every $1 spent on treatment resulted in an estimated $4.87 in medical savings and $7 in legal savings.
Whole Families Intervention and Holistic Recovery Services is here to help you. Pick up the phone today. We'll be waiting. You and your family are worth it. In fact, each one of you is priceless.
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