• Addiction
    Take the first step to getting help now.
    Help for your addiction is here
    Time to Make a Change
  • Heroin Rehab
    Successful Heroin Rehab Programs and Treatment Centers

Successful Heroin Rehab Programs and Treatment Centers Talk to Someone Now

Understanding the Cost of Heroin Rehab and How to Afford Recovery

There are some people struggling with dependence who justify their hesitance in finding help by saying “I am not sure if I could afford it,” according to the Journal of Substance Abuse Treatment. The truth is that the cost of heroin rehab is significant, but this is not solely an expense, it is an investment in someone’s future. There are a number of options available that make it possible to pay for treatment. These include using insurance for heroin rehab or borrowing the money. Let’s look at some of the alternatives that may be available.

The Importance of Professional Help

No matter how you look at it, the cost of heroin rehab is substantial. It does not matter if you consider the costs in time, effort, or money; you are channeling plenty of resources into the recovery process. It is normal that this feels daunting at first, but remember that professional recovery options represent the best possible option for long-term sobriety and getting help as soon as possible is critical.

Using Insurance for Heroin Rehab

Insurance for Heroin Rehab

Some people believe that no one except the rich and famous can pay for private drug rehab facilities. However, this is absolutely not true. The fact is that many of the top private treatment centers across the America are willing to work with those people who cannot afford the full fee. They work on a sliding-scale payment program to allow those who are unable to afford it, get the help they need. As you consider a number of options, you may want to talk with an admissions counselor who will decide whether your current insurance, if applicable, is going to pay for drug recovery treatment.

Some necessary questions that should be asked about insurance for heroin rehab include:

  • Will your insurance provider pay for outpatient rehab, inpatient rehab, or both options?
  • Does the insurance program count the facility as part of its network?
  • Under the current insurance plan, how many days of treatment are actually covered?
  • Are there recovery services that are not covered? Does this include medication and/or the detoxification process?

Finding out whether your insurance program can help you pay for treatment can feel overwhelming. However, once you are able to make sense of it all, with or without help, you may be surprised to realize that you have quite a few more options than you might have initially realized.

Some of the most common programs include:

  • Aetna – Founded in 1853, this health care company offers insurance products and related services, including disability, long-term care, group life, behavioral health, dental, pharmaceutical and medical plans.
  • Blue Cross Blue Shield – Founded in 1929, this federation of 38 separate health insurance companies and organizations offer direct and indirect insurance to over 99 million Americans.
  • Cigna – Founded in 1982 with the merger of CG and INA, this global health care management company offers administrative services (meaning they do not directly provide the insurance coverage) for medical, dental, behavioral and disability, as well as business travel and life insurance policies to almost 80% of its clients.
  • Medical Mutual – Founded in 1934, Medical Mutual traditionally served the state of Ohio exclusively. It has since expanded to include South Carolina, Indiana and Georgia.
  • United – Founded in 1977, the United Health Group ranks at number 22 on Fortune magazine’s top 500 companies in the US.

Private Pay Recovery Options

Private Pay

If you want to work towards a future of sobriety, you have to be ready to invest a substantial amount of money. Many private facilities will help you set up a payment plan or function on a sliding-payment scale. Remember, dependency is an issue that requires intensive treatment.

You can turn to private sources for funding, such as:

  • Loans from family members, close friends, or partners – It may not always be comfortable to ask someone for money, especially if the user has alienated many people before, but if the only option is to ask an uncomfortable question, there really should not be any debate.
  • Help from employee assistance programs – If you are employed, there are certain places that will match a certain monetary amount or provide an advance, only to take it back by garnishing wages every month. Even though many people would feel uncomfortable revealing that they are struggling with dependence, it is a far better option than not seeking help at all.
  • Personal assets – Some have sold RVs, boats, or a second car in order to be able to pay for rehab. When faced with the decision, monetary items simply become less important for most people.
  • Dipping into the rainy day fund – Some will look at personal savings accounts, IRAs, or retirement accounts. It is always possible to restore these in due time, it may not be possible to help someone come back from a heroin overdose.

Government Assisted/Funded Programs

There are a number of federally and state funded drug and alcohol rehab programs available. Even though these may not necessarily offer the same level of privacy or have the latest treatment techniques available, they do offer an alternative for those who are unable to pay even a dime for recovery. This is because they offer almost entirely free or completely free treatment programs. However, there are some negatives to this free option as well. These issues arise because there is a strong demand for these government programs and the constant funding cuts on a state and federal level may make it difficult to get in when you need to.

Most facilities operate with a considerable waiting list, meaning that it takes a while before someone can receive the help they need. This is not an ideal situation, because if a person is willing to enter into recovery today it does not necessarily mean they will be willing to do so tomorrow. Secondly, because of the strong demand and lengthy wait list, the treatment duration may be shortened as well. This, more often than not, results in the overall length and intensity of the therapy to be less effective than other programs. Of course, this is still better than doing nothing, but that does not mean that there are no other options available.

Factors to Keep in Mind

You may be feeling overwhelmed already; perhaps even feel ready to give up because you do not believe that you might be able to pay for recovery.

Remember these important points:

  • Look at the best treatment you can reasonably afford and invest in that. If you do have insurance, make sure that it covers the facilities you are considering.
  • If you cannot muster up the private care cost, ask them about financing or deferred payments. Many programs will have this as an available option.
  • If you are unable to pay for private care, get on the public recovery facilities waiting list as quickly as you can.

Find the Help You Need

It is time to remove that financial barrier and move forward with recovery. Whether you are doing this for yourself or someone close to you – remember that the alternative for not seeking heroin recovery treatment soon enough is far worse. If you are truly committed to recovery, there are a number of different creative financial solutions available. If you want to know more about your options for managing the cost of heroin rehab, be sure to call today. We focus on finding the right program that suits both your needs and your budget.