If you’re in this position, we want to reassure you that there are many treatment programmes and various options in place to help those who need support with funding the cost of rehab.
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What is the Cost of Rehab?
There is no one answer to how much rehab treatment costs. The cost will be dependent on several factors such as whether you’re undergoing treatment as an inpatient or outpatient, how long your treatment programme will last, what kind of rehab clinic you choose to join, and if you require medical support for alcohol or drug detox.
Rehab clinics range from addiction services provided by the NHS which are typically low-cost or even free, to private drug and alcohol rehab clinics which will understandably be more expensive.
If you’re feeling overwhelmed about the cost of rehab, then your first point of contact should be your GP who will likely refer to you an addiction rehab team with the NHS. Most of these treatment programmes are free, however, there are downsides to receiving complimentary rehab treatment. Of course, addiction is a very complex disease which requires a high level of attention, understanding, and knowledge to overcome.
Whilst free local health services like the NHS provide rehab to the best of their ability, they’re unfortunately restricted by time and resources. This means that you’ll likely be added to a long waiting list to receive your rehab treatment which can sometimes take months, having a detrimental effect on your recovery.
You’ll also receive a generic treatment programme as offering a tailored plan requires much more time and resources than they have at their disposal. For these reasons, free addiction treatment with the NHS doesn’t usually produce effective results with regard to addiction recovery.
For some people, this is their only option, and whilst it is possible to recover from drug addiction using these services, your chances are much higher of a first-time recovery in the most effective and beneficial way if you utilise private rehab, as long you’re able to cover the costs.
Outpatient rehab is typically cheaper than inpatient treatment as it still provides therapy sessions, medically assisted detox, and counselling alongside a variety of other support services, but without the requirement to stay overnight at a rehab clinic as you would if you were an inpatient.
What are My Payment Options?
Firstly, check if your health insurance or employer has any policies which can help to support your rehab treatment. If it isn’t covered, then there are still plenty of options to consider that can help you fund your rehab journey.
If you’re living with an addiction, you’ve likely noticed that your negative behaviours aren’t only impacting you but also those around you. Your loved ones will be eager to do what they can to help you receive the professional treatment you need, so whilst you might not be comfortable asking or accepting support from family or friends, their support could be life-changing for all of you.
Getting a loan to cover the cost of private rehab is also an option to consider. This might sound like a good idea initially, however, people take out loans for houses, cars, and even holidays, so taking out a loan to fund an essentially life-saving treatment plan should certainly be worth considering. If you’re worried about credit checks then you could ask a friend or family to help you get a loan as an investment for your future.
You may want to research setting up a personal fundraising platform to help raise money for addiction treatment, websites such as GoFundMe have proven to be effective. It’s also possible that some rehab centres offer more affordable payment options such as paying in instalments each month.
Does Insurance Cover Private Rehab?
If you’re considering joining a private rehab clinic but are concerned about the costs, then you should initially check with your health insurance provider as these services are sometimes covered.
Many health insurance plans cover support for mental health diseases and substance abuse disorders so it’s certainly worth checking. There may also be a sponsored or discounted service through your employer which can support the cost of rehab treatment, so this is another option to look at.
Whilst many people pay for rehab using insurance, we also understand that not everyone has insurance or they may have lost their job in which case you can check if you’re eligible for COBRA (Consolidated Omnibus Budget Reconciliation Act) which offers employees and their families the chance to continue their group health coverage for a limited amount of time.
There are plenty of resources available to you whilst you’re waiting to receive treatment or even whilst you’re receiving treatment such as local support groups like Alcoholics Anonymous or Narcotics Anonymous. Many people also find self-help books to be very useful in addition to a variety of apps that you can download.
You can contact your local mental health or substance abuse agency to enquire about local rehab options that may be more manageable. The website for Substance Abuse & Mental health Services Administration (SAMHSA) is very useful for referrals to local treatment facilities, support groups and community-based organisations which may offer rehab services at a subsidised cost.
Other organisations to seek advice from include SMART recovery which helps young people and adults with drug or alcohol addiction through group therapy sessions, Salvation Amry who have been helping people overcome addiction for around 150 years and offer a 6-month addiction treatment plan for free, and SOS (Secular Organisations for Sobriety) who are a non-profit network of non-professional local groups who help people to maintain sobriety from drugs or alcohol.