Individuals addicted to drugs or alcohol often come to rehab through different routes. Sometimes they decide of their own accord that they need a place to unwind and tease out their troubles with addiction and other issues in their lives. Often it is friends and family who approach an individual and urge him or her to seek help in the form of rehab. No matter what way an individual decides to attend rehab, two things are sure. First, it’s a great choice. Choosing rehab means choosing life and happiness over the darkness and destruction that are caused by addiction. And second, remember there is always going to be a price for rehab.
Often this price of rehab is a deterring factor, but it shouldn’t be. There are many financing options for anyone who feels they need rehabilitation. This article aims to explain the main routes to financing anyone’s rehab and the steps to take to make recovery a feasible goal. Read on to learn more.
Step 1: Addiction is Not a Habit Anyone Can Afford!
The first step will be analyzing what it’s really costing someone to be addicted in the first place. And it’s not just the actual price of alcohol and drugs. Speaking only of “cost” in terms of actual money on top of the price for the actual substance, there are many other expenses.
First there’s employment. Many drug and alcohol addicts lose their jobs as their addictions get worse, cutting off their supply of money. Then there is the reckless spending that often accompanies being high or drunk. Individuals may also have run ins with the law and have to pay court and lawyer fees, not to mention fines. Some are kicked out of housing or taken off government subsidy programs because of their addiction.
Finally, many drug and alcohol addicts will find themselves in the doctor’s office or emergency room at one time or another, which can cost hundreds if not thousands of dollars. Saying that drug and alcohol rehab is “too expensive,” is a ridiculous statement when you compare it to the price of addiction.
Step 2: Consider Using Savings or Assets First
Once it is realized how important rehab is for recovery, abusers can assess their options in terms of financing. The first place to look is in savings and assets. If the person seeking rehab has any savings, it’s definitely worth it to use them to finance rehab. The money will come back eventually once recovery is attained.
If no savings are present, selling assets like valuables, electronics, cars and even houses are more options. When you weigh the importance of being healthy and sober and having family relationships and friendships back, things become minuscule. You can always get things back, but that’s not necessarily true with relationships and health.
Step 3: Consider Insurance or Medicaid
Check with your insurance company or with the government for Medicaid. You may be able to figure out a financing solution with insurance in this way. This can eliminate or at least lessen out of pocket expenses. Sometimes there are restrictions on insurance financing options, and medicaid is not always an option for everyone, but it’s definitely something to consider.
Step 4: Consider Loans From Family or Friends
It is often friends and family who come to drug and alcohol abusers in the first place to offer help and guidance. When rehab comes into the mix, those closest often want to find ways to lend a hand in the process of recovery. For those individuals who feel comfortable with it, approaching a parent, grand-parent or other guardian for a personal loan may be a viable option. Siblings and other relatives and close friends may also be able to lend a financial hand. If this is the case, it is very important to make it known to the lender that the the person in rehab will pay back the loan after he or she is released.
Step 5: Consider a Private Loan
Private loans are another option, although interest rates will be highest in this arena of borrowing. For those who are looking to this option to finance drug and alcohol rehab, research should be done as much as possible to find the lowest interest rates and to extend pay-back time if possible. Banks and other private lenders are often willing to work with individuals, so making an appointment with a knowledgeable representative is a good idea.
Step 6: Don’t Waste Time
Remember that even though rehab costs money and the recovery process will not necessarily be simple, it is well worth it. Drugs and alcohol destroy lives. They not only make the health of an individual deteriorate at a rapid rate and cause other life threatening illnesses, they can tear marriages, families and friendships apart. Often, those relationships are never recovered, but heading in the opposite direction as recovery is still not the answer.
If you or someone you know is having trouble with addiction, don’t wait. Prolonging a talk or discussion about rehab options and how to kick the habit will only make things worse and may leave just enough time for a real catastrophe to occur–one that may not be recoverable. Make the call today and think about rehab on the path to recovery. It could make all the difference in the world.