While addiction treatment can save you money in the long run, as well as significantly improve your quality of life, the cost can sometimes feel like a barrier. At Footprints to Recovery, our goal is simple: We want to make treatment as available and affordable to you as possible.
“Treatment” is an umbrella term that describes various approaches for addiction recovery. It can include formal treatment programs, but it can also mean free community programs, 12-step groups, holistic approaches, and medication. Many times, people engage in a variety of treatment approaches to find the strategy that works best for them.
With that in mind, most experts agree that formal treatment programs are essential for addiction recovery. While the other options often support aftercare efforts, many people need the structure, support, and monitoring associated with a qualified rehab.
How to Pay for Rehab
There are many ways to pay for and receive help for treatment payment. Our staff will work diligently with you to help you understand all the possibilities. Some of these include:
- Private financing
- Sliding scale options
There are also public addiction treatment programs, like non-profits. These provide free or low-cost services if you just can’t afford treatment or don’t have insurance to offset some of the costs.
How to Pay for Rehab Without Insurance
A Credit Card
It may be possible to use a credit card to pay for your treatment. Every credit card has specific credit limits based on your credit score, monthly income, and other cards. You may qualify for a 0% balance-transfer offer, which means you aren’t responsible for paying any interest on your balance.
Some credit card companies specialize in medical costs.
That said, credit cards may have restrictions, and it’s important to be aware of them. For example, the limit may not be high enough to fund the cost of treatment. It could be challenging to make monthly payments, and interest rates may be high.
Payment on a Sliding Scale
Some treatment facilities offer sliding-scale services for clients facing financial hardships.
Sliding-scale fees will take your income and financial situation into account when charging for services. They will help reduce the cost of treatment based on what you make in a year.
This is how those with lower annual incomes are able to afford the same therapy and treatments that people of higher incomes do. The sliding scale is put into place so everyone has a chance to receive equal levels of care.
How to Use Insurance to Pay for Addiction Treatment
If you have health insurance, the Affordable Care Act (ACA) ensures that you have coverage for mental health and substance abuse treatment services, just like you do for medical and surgical procedures and services. This is called parity.
Every insurance provider and specific plan is different in how they provide coverage, the level of coverage, and what treatment services are covered. Insurance coverage varies from state to state, provider to provider, and plan to plan.
The best way to find out what portion of your treatment is covered by your insurance is to let the staff at Footprints to Recovery contact your insurance provider. We can work with the insurance representative to ensure you are notified of the maximum amount of coverage possible.
There Are Many Options to Consider
A lack of insurance or other financial difficulties does not mean you can’t get help for addiction and ongoing support in recovery. There are numerous options to help you offset the cost of rehab.
The Footprints to Recovery staff is available 24/7 to answer questions about how to pay for treatment. We are more than willing to assess all your options.
To start your recovery, it’s important to evaluate what type of payment help you will need. Feel free to contact us for assistance. Our goal is to make paying for treatment as easy as we can.