What’s the general cost of rehab, and can you have your rehab covered by insurance? If you’re trying to treat drug and alcohol dependence in Portland Oregon, you may be wondering how you’ll pay for your treatment plan. Here’s a step-by-step guide to figuring out the general cost of rehab.
1. Figure Out the General Cost of Your Program
Your program is going to matter. Inpatient programs cost more than outpatient programs, and the length and the location of the program matter. First, find the program that best fits your needs.
You may want to ask about quotes for multiple programs, but finding the program that will work best for you truly matters. Otherwise, you may just find yourself going in and out of rehab repeatedly, which will ultimately be more expensive.
2. Ask About Sliding Scale or Low Income Rates
If you have low-to-moderate income, you may be able to get a payment plan or sliding scale plan through the program itself. Ask them whether they will reduce your costs, or if they have scholarships or grants available internally.
3. Check With Your Insurance Company
It’s not always very clear what your insurance will or won’t cover. Your insurance company is likely to cover some rehab programs or not others, or some facilities and not others. Have your rehab program submit information to your insurance company before you assume that it isn’t covered.
Medicaid and Medicare will usually cover rehab, but they may only cover a certain type of rehab or a certain amount. It’s important to be specific about your insurance coverage if you don’t want to run into unexpected costs.
4. Go to Your Employer
Don’t be afraid to talk to your human resources department. Many companies provide money for rehab. After all, rehab is important for your maintained health, and having an alcohol or substance addiction is an illness that has to be treated.
Your employer cannot discriminate against you based on your rehab needs, and they should be able to give you time off for your rehab as well. If you feel as though you’ve been discriminated against, you can talk to your rehab program for advice.
5. Look for a Credit Account
A credit account may be able to help. There are credit accounts that are specifically for medical purposes. These accounts often have low introductory rates and can have higher than average allowances, because they can only be used for medical debts.
It’s not generally advisable to put the cost of rehab on a general credit card, but a personal loan can also be a viable option. A personal loan at a low rate will give you time to pay off your rehab over time.
6. Crowdfund Your Rehab
If the cost of rehab seems to be so great, you may be able to crowdfund. Consider starting a donation circle or consulting with your family and friends. They can donate money to the rehab center directly if they are uncomfortable, giving large amounts of money to you.
You can also raise money by having a garage sale, or otherwise selling some things that you don’t need.
7. Look Into Local Charities
There are charities that can help you get into rehab, including general grants and scholarships that are available to those in need. It may take some time if you apply through these programs, but eventually, you may be able to get into rehab without any out-of-pocket cost. In the meantime, you can pursue other methods, such as going through outpatient treatment.
While rehab can seem costly, it’s important. It will often cost much, much more if you don’t go into rehab. If you don’t go into rehab, you’ll find yourself spending money on your substances, you could lose your job, and of course, you could alienate friends and family. With all that in mind, the cost of rehab itself can seem very minimal.
As you can see, while the cost of rehab can be highly variable, there are ways that you can get rehab paid for — and start your recovery journey. It’s time to contact Crestview Recovery. Call today at 866.262.0531.