subject: Substance Abuse Treatment Payment Option Vary [print this page] You might know you need substance abuse treatment, but the financial side of it may be daunting. If you are not sure how to pay for it, you should get to know some of the methods of payment that may be available to you. Then you can feel a bit more confident as you make plans to get treated.
If you have health insurance, you probably have some coverage for substance abuse treatment. After all, if you have to wait to be treated because you are not covered, you will face higher medical expenses due to the conditions caused by drugs and alcohol. For this reason, it is in the best interests of your insurance company to get you treated as soon as possible. Find out what is covered. Most plans cover a certain number of days in a hospital, after which they may only cover doctor visits, counseling, and medications as needed.
If you do not have insurance, you should look into state coverage. This is offered to low-income residents, but you may qualify even if you consider yourself middle-class. Your income and medical expenses will be taken into consideration, and if you qualify, most or even all of your costs will be paid for. You simply have to look into the requirements for your state, and then apply.
Some people have to pay for substance abuse treatment on their own if they do not have private health insurance and do not qualify for state coverage. However, few people can pay cash upfront, and you will not be expected to do so. If you cannot afford to pay all the costs at once, you can consider putting it on a credit card and paying it off slowly. You can also ask the center for a payment plan so you can make several manageable payments. This allows you to pay it off over several months or even years, depending on the total cost. All centers have different policies and payment plans available, so find one that will work with you on this detail.
You should not have to end up in debt for years just because you need substance abuse treatment. There are enough options that money should not stand in your way of getting the help you need. You should look into each of these choices before you decide on the best center for your situation. This way, you do not have to file for bankruptcy or go without basic necessities while you are treated.
by: Andrea Avery
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