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Nitty Gritty: Financing & Insurance

A sign held by an alcoholic asks “Are you Covered”? As he considers his options for rehab.The Cost of Treatment And How To Offset It

There are individuals who can pay the full amount to treat their alcohol addiction up front, but there aren’t many, so how do most people do it? In a number of ways:

  • Working with the residential rehabilitation centre to come to an arrangement
  • Getting part of the treatment covered by private or work-provided medical insurance
  • Borrowing from family and loved ones eager to help
  • Using some savings, lines of credit or other personal financial options
  • Raising the money, although this is rare due to the sensitive nature of alcoholism

Working With The Treatment Centre You’ve Chosen

Private treatment centres that specialize in alcohol addiction treatment, like Foundation, can work with you to come to a more agreeable arrangement for financing the cost of rehab. Instead of paying all of the cost upfront, a monthly payment schedule can be set up to help ease financial stress and allow you to focus on healing.

Using Insurance To Cover Part of The Cost

Medical insurance companies often cover alcohol addiction treatment. They may pay for part of the cost, the entire amount or in some cases pay a part of it at first and cover the remainder if you complete rehab. Contacting your insurance provider is very important before considering this option, as they will most likely have a list of treatment centres they cooperate with, and more likely than not it will be based on geographic location. Luckily, this is most likely a factor for you as well, so two birds can be killed with one stone when it comes to researching the best treatment centre near you and how to pay for it.

Financing Alcohol Rehab Through Family, Friends or Personal Finances

Paying for alcoholism treatment can be expensive. Despite the rising numbers of alcoholics, and subsequently those seeking treatment, rehab is not yet at a stage of being easily subsidised locally, provincially or federally. Often times someone suffering through alcoholism will have to use their savings or credit to get the help they need. While this isn’t ideal, it is still advisable to do so if no other option presents itself. The cost of one’s life far outweighs that of rehab.

Borrowing from family and friends is difficult for most people. It makes someone seem reckless or irresponsible that they can’t pay for everything themselves, but to put this bluntly, that’s nonsense. Alcoholism can affect anyone of any age, race, religion or economic background. It can make the rich poor, and the rest desperate. Continuing on the path alcoholism sets out for someone will often lead to loss of family, career and life, and family and friends can see that happening. It would surprise many what those closest to us would do if we needed help, so while this option may at first seem unattractive, it’s one to consider if there is no wiggle room elsewhere.

It would be truly a wonderful world if no one had to worry about covering the cost of their alcohol addiction treatment, and although costs can alarm many seeking to change their lives for the better, it’s worth every single penny. The world may not be perfect, but there are many fantastic souls who would seek to help those in need of it should they ask. The takeaway? There are options available to those in need of treatment, don’t be discouraged and stay on the path to recovery and prosperity.