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How Should I Pay for Rehab?

How Should I Pay for Rehab?One of the most common obstacles that recovering drug users face is figuring out how to pay for their addiction treatment. Many drug users in San Diego deplete their financial resources while compulsively seeking their drug of choice. Drug users may also lose their jobs when their productivity suffers or when they come to work while under the influence.

If you are struggling with drug addiction, you may want to recover, but you may feel that you are unable to pay for treatment. Fortunately, if you have health insurance, your policy may cover your treatment in whole or part. However, if you do not have health insurance, you may need to consider borrowing money from a close friend or family member or your own savings or retirement fund to pay for treatment.

How Health Insurance Can Help You Pay for Rehab

If you have a health insurance policy, read over your policy documents and speak with a representative from your insurance company who can help you fully understand your coverage for addiction treatment. Your policy may require you to pay out-of-pocket costs, such as deductibles, coinsurance, and copayments. Depending on the policy, after paying out-of-pocket costs, San Diego residents may still be responsible for a certain percentage of the total treatment costs. For example, your policy may cover eighty percent of your treatment, leaving you responsible for the remaining twenty percent. However, your insurance may also impose limits on treatment facilities, meaning that your fees will not exceed a certain amount no matter the circumstances. Limits protect both you and the insurance company from paying an inordinate amount for treatment.

If you are employed, you may have benefits other than health insurance. Talk to your human resources department about benefits for employees who need a brief leave of absence due to a health condition. Your human resources department can let you know if your employer offers any other resources that can help you pay for your addiction treatment.

Should I Borrow Money for Rehab?

Although the idea of owing money to someone may seem humbling, if a friend or family member is willing to loan you money for treatment, the offer may be worth considering. If you do not have health insurance that covers addiction treatment or if you have severely limited financial resources, borrowing money from someone who cares about your wellbeing may be the only way you can achieve recovery before you encounter serious health complications. You may also consider borrowing money from your own savings or retirement account. Although dipping into financial resources reserved for other purposes may be unpleasant to many San Diego residents, you can’t place a monetary value on your life. Continuing to struggle with an addiction leads to health problems that may result in multiple hospital stays and an increased risk of a fatal drug interaction or overdose.

Need Help Finding High Quality Rehab Centers?

If you or someone you love in San Diego is struggling with an addiction to drugs or alcohol, please call our toll-free number today. We are available 24/7 to take your call and offer you the help you need. When you call, you will reach one of our rehab admissions coordinators who can help you make arrangements for addiction treatment. We can answer any questions you have about how to pay for your rehab and help you find a financial solution that works for you and your family. Please don’t hesitate to call us at any time.