Recognizing that you have an addiction and admitting you need help is the biggest first step you can take toward getting the treatment you need. However, many people never take a second step toward getting treatment because they’re afraid of the cost. Trying to locate a rehab for drug or alcohol addiction without insurance is another challenge itself.
If you need help for a drug or alcohol addiction and currently do not have insurance, don’t panic—we are here to help. All Marketplace health care insurance plans provide some level of coverage for addiction rehab, but what if you don’t have insurance to get into rehab? Does this mean you should avoid seeking treatment unless you have a lot of money? The short answer is no, here’s why.
Finding a Rehab Without Health Insurance
There is a good chance if you’re reading this article that it has been difficult for you to find an alcohol or drug rehab without insurance. For most facilities you call, the first thing they will ask for is your health insurance information. There are plenty of options for an individual to find treatment without health insurance and we are here to help.
In addition, varying levels of care influence the total costs. So, consider the minimum level of care that you need. For instance, if your home environment is safe from triggers and your loved ones support your recovery, a day treatment program could be a way to keep the costs low.
Double Check Insurance Coverage
Before we panic let’s make sure you double-check your health insurance coverage. Sometimes health insurance can show inactive for various reasons. If you call your insurance carrier they will be able to double check.
If you recently lost your job due to your addiction, most employers will keep your insurance active until the end of the month. After that, you would be able to apply for Cobra, which would keep your insurance active for the remaining 90 days. Double-checking your insurance coverage is highly suggested.
State-Funded Rehabs
Depending on what state you are located in, options for rehab without insurance will vary. You might be able to get into a state-funded rehab center. These centers use money from the government to help people get into treatment and overcome their addiction. If you attend a state-funded rehab without insurance you will still receive detox, inpatient rehab, and outpatient rehab.
Rehabs That Are Faith-Based
Do you consider yourself a spiritual person and would like options for a faith-based rehab without insurance? There are rehabs that are specific to your religious beliefs. You may be able to ask your church to help with any cost associated with a faith-based treatment center. A lot of facilities that have a spiritual component work with other religious organizations to provide scholarships.
Financing Options for Rehab
If you do not have health insurance but would like a private rehab stay, financing treatment could be a great option. Most treatment facilities work with 3rd party lending companies to help with the financial burden of rehab. Typically what happens is you would call the admissions team and they would link you up with the financing company.
Most of the time, the individual seeking treatment has exhausted most financial resources throughout their addiction. So it is a good idea to bring family and friends into these conversations.
Rehab Without Insurance in Murfreesboro, Tennessee
At Tulip Hill Recovery, we focus on discovering what factors in your life may be contributing to addiction in order to treat it at its main source. Our treatment model emphasizes the dual diagnosis approach, which means we treat addiction as well as co-occurring mental health disorders that might be fueling the addiction. This helps a person in recovery become better equipped for dealing with the challenges of mental health disorders without feeling like they need substances or alcohol to cope.
Are you ready to talk to someone about treatment for addiction for you or someone you love? Contact us today to get in touch with our team and start the recovery journey.
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