Many people with addiction issues have lost their job. After that, their savings account dries up. Finally, many people decide to sell many of their possessions to try to find some extra money. Entering a drug rehab center is a costly venture. While entering anrehab facility is the best decision for a patient, their family, and their friends, this doesn’t mean that there aren’t ways to save money. Here are some tips for finding affordable drug rehab centers.
The first step for everyone is to check their insurance coverage. For people who have managed to keep their job, having a working spouse with health insurance, or who are young enough to remain on their parents’ plan, insurance may cover their stay in a drug rehab center. Ask the insurance company if they cover drug rehab treatment. If they say yes, it is important to ask how much of the stay they cover. Many companies have limits for the type of treatment, the number of days they will pay for, and the total cost of the treatment. Many people still have a co-pay that goes along with the stay. Sometimes this fee is per day. Be sure to factor this into the decision. Finally, make sure the treatment center accepts the insurance.
Next, ask the treatment center if they charge people based on sliding scales. Many treatment centers know that their patients come from a variety of socioeconomic backgrounds. They may charge customers different prices based on their ability to pay. After looking at a patient’s income, they decide on a price based on what they think the patient is able to pay. Most treatment centers in this category have a financial adviser that will discuss payment plans with patients. Patients should have paycheck stubs or bank information as proof of financial status.
In addition, ask the treatment centers if they offer scholarships for treatment. Many of the drug rehab centers have generous donors who provide money to keep the facility funded. These donors frequently set up scholarships in their name as a way of thanking the facility for their service to the community. Figure out how much of the total treatment cost these scholarships will cover and ask what the eligibility requirements are for applying for these scholarships.
Finally, do not forget about the tax implications of entering a drug rehab facility. Anyone who spends more than 10% of their annual income on medical expenses can deduct anything over this limit from their gross taxable income. This is a great way to save money on medical treatment.
While drug rehab treatment has been stereotyped as overtly expensive, this doesn’t mean there aren’t ways to save money. Using the advice above can uncover some affordable drug rehab centers that can help people get their life back on the right track.