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How to Pay for Drug or Alcohol Rehab

One of the most common questions an admission reprehensive receives is “how do I pay for rehab and how much does it cost?”. For those who are not fully covered by insurance I offer these solutions to pay for substance abuse treatment.

– Bruce Berman, Vice President – BeWell Network

There are several ways to pay for quality drug or alcohol treatment. The most common way is with insurance. However, many insurance policies do not cover all the costs associated with substance abuse treatment. Many people have no insurance or an insurance policy that doesn’t have coverage for substance abuse. How do you pay for treatment then? Don’t be discouraged; BeWell Recovery Centers has options to help you pay for rehab.

What happens if you have no insurance?

Let’s start with the person that has no insurance. You can still get quality dual diagnosis treatment if you have no insurance. BeWell Recovery Centers has a financing option and we offer a significantly reduced treatment rate for people in need of financial support. In most cases, our repayment plans are only a fraction of what you may have been spending on drugs or alcohol. Once you’re back on your feet, you’re working and you’re not spending any money on drugs or alcohol, you will begin to realize how much extra money you have. We have faith in our recovery process.

What does Rehab cost if you don’t have insurance?

Before we get into all the different ways to pay for rehab without insurance, let’s discuss how much Rehab costs. Costs vary based on length of stay and type of care needed. Quality drug and alcohol treatment can be expensive. Our rates vary as well, depending on the facility and level of care. Please contact our admissions counselors for assistance. Since we own many drug and alcohol treatment centers, we often have the flexibility to offer a reduced rate at one of our centers for those who qualify. 

What if you don’t have money or insurance?

BeWell Recovery Centers has entered into an agreement with eFinancing Solutions. eFinancing understands the unique needs of people seeking financing for substance abuse treatment. Their turnaround time is very quick, as they understand this isn’t a loan application for a new car. This is for life saving health issues and time is of the essence. Our admission staff has helped many people get into treatment through eFinancing Solutions.

If you or a loved one needs financial help to get into treatment, please call our caring staff now at 866 317- 8395. Click Here to submit a treatment financing request through eFinancing Solutions

If you need help paying for treatment, please try eFinancing Solutions. Every little bit helps. You don’t have to finance the entire cost of treatment. Many people borrow just enough to get them through the detox phase of treatment, which is about 5-10 days. Detoxing from alcohol or drugs presents the greatest risk to an addict’s health and safety. Being in a licensed and accredited medical detox is not only safer, it is also much more comfortable. Clients are given medication and monitored closely by medical staff to reduce the risk of seizures and increase the level of comfort for the client.

What other options are there?

There are other options to help you pay for a quality dual diagnosis treatment program. Some people elect to get financing for the detox portion of treatment only and then use a GoFundMe Medical Payments Program for the remaining cost of treatment. The reason this option works well for many people is that the person needing treatment is already in treatment. People are often reluctant to provide financial assistance to someone who is seeking treatment because of failed promises, but many people are open to helping those who are already in treatment. Not only do you take the risk away, you also show that the person needing assistance has already committed and made a good faith effort to pay for it themselves. Donors like to donate to something they believe will be successful. When the person in need is already in treatment, your ability to raise additional funds is much easier than you think.

You have insurance but you can’t afford deductibles and copays.

Many insurance policies, especially those from HealthCare.gov or your state’s insurance exchange, have horrendously high deductibles and copays. I have even seen employer insurance policies with deductibles as high as $10,000 to $25,000. Then, there is what is called “Out-of-Pocket Maximum”, an amount many people don’t understand. Until you have had a hospitalization or some other costly medical procedure, these costs may have never been an issue for you or your loved one.

BeWell Recovery Centers hardship exemptions can help with all or part of deductibles and copays.

BeWell Recovery offers hardships exemptions to our clients who qualify. This exemption is not for a client who has the financial ability to pay their deductibles and copays, and is just trying to avoid paying them. We have a sliding scale based on income and financial assets. We determine eligibility on a case-by-case basis. Please call one of our caring admission agents at 866 317-8395 to see if you qualify. A person with no income and assets can still get the quality care they need at BeWell Recovery Centers.

For those that want free treatment

There is free treatment out there. Free treatment is better than no treatment. Be prepared to have to “wait for a bed to open” and don’t expect to be pampered like you would at BeWell recovery Centers. The federal government has a resource for people looking for substance abuse and mental health treatment that can’t afford a private center. The Substance Abuse Metal Health Service Administration “SAMHSA” can be reached 24/7/365 at 800 662-4357.

About Bruce Berman

Bruce has personally assisted thousands of people into treatment for alcohol, substance abuse, and mental health. He has been in continuous recovery since September 1989. Besides himself, he has also placed his children, employees, family members, friends, and other loved ones into various treatment programs. Whether you or a loved one is struggling with addiction, Bruce has most likely dealt with a similar situation in the past.

Bruce is a father of four children and is happily married to his wife, Victoria, who has also been in recovery since November 1995.

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