Financing Available

The high cost of all medical care in the United States has prompted great political turmoil as the Affordable Care Act was passed. The ACA does mandate that private insurance pay for some or all of addiction treatment, which is great news for millions of Americans.

However, not all insurance will cover every expense associated with addiction rehab care. There are however other ways to pay for care other than cash upfront or insurance. One method is to finance one’s treatment through credit. Credit cards are accepted by the vast majority of treatment centers and will result in care being available immediately. Of course credit card interest rates can be high, and monthly payments can be burdensome. This is an option to hold in reserve if you have the ability to pay the debt off fairly quickly, or make monthly payments in excess of the minimum payments. Bank loans are also options in times of crisis. Banks sometimes see that helping return a member of the community to active work status is good for everyone. Typically the bank will ask for a piece of collateral. Consider such items as cars, boats, or other luxury items that can be used as collateral.

Another option is to seek care at a local or community mental health care center. Partially or completely funded by the state or federal government, you do not have to be a Medicaid recipient or living below the poverty line to receive care at such a facility. Often a sliding scale is used, where the amount one pays is based upon one’s earnings.