Your financial responsibilities don’t stop just because you’re in rehab. How can you afford it? Who will pay your bills? How will you keep your job? How can you pay for both rehab and a mortgage?
These are the same concerns that stop many people from seeking the help they need. Worried about finances and job loss, too many miss out on the treatment that could save their lives.
Finding the Money
You might have to get creative, but fortunately, solutions are available. Here are a few ideas you might want to think about:
- Angel Funds: Many organizations raise Angel Funds specifically to help pay for treatment services for those in financial need. With rehab costs covered, you will have more funds freed up to pay your bills while in rehab.
- Scholarships: Treatment centers often offer scholarships to help people pay for rehab or pay for ongoing life expenses while receiving treatment in their facility. Ask about these options when you’re doing research on treatment centers.
- Personal loan: To cover costs of treatment or personal bills while in rehab, consider taking out a personal loan. Banks, friends, and family are all potential sources – just do your research and be sure you can pay the money back. If asking for money from friends and family, you can suggest they give directly to the treatment facility as a way to assure them the funds are going toward treatment, not your habit.
- Financial guardian: Even if you find the funds to pay for everything while in rehab, it may be difficult to physically keep up with payments. Or unexpected payments may come up while you are away. Because of these issues, it might help to appoint someone as your financial guardian. They can watch your accounts for you and pay anything that’s due while you’re in rehab. You can make an informal arrangement with a trusted friend or family member, or make it official with legal documentation to give someone authority to manage your accounts.
- Work benefits: Do you have any vacation time saved up? Personal days? Does your employer offer long-term and short-term disability? Try using these benefits to cover your time away, that way you don’t miss out on valuable paydays. Also, look into your employee assistance program. This often provides free counseling or referrals to rehab facilities.
- Insurance: If it’s deemed a medical necessity, your health insurance provider may cover substance abuse treatment. Length of stay and specific treatment facilities vary with providers, so be sure to talk with your insurance broker or human resources officer to ensure everything’s done properly.
- Medicare and Medicaid: These government programs may also cover the cost of your treatment, allowing you to spend your own money on the rest of your expenses outside of rehab, like electric and water bills.
- Crowdfunding: With sites like GoFundMe, anyone can ask the digital masses for help with anything. Put your story out there. Be open and honest about what’s going on and why you need assistance, then see if you can raise funds to help pay the bills while you’re in treatment.
- Sell stuff: Your sobriety is more important than your camera, your art collection, your media center, your boat, and even your grandmother’s earrings. Many items can be sold quickly and easily to scrape together enough cash to pay for your expenses while in rehab.
Keeping Your Job
Are concerns about keeping your job are holding you back? Here are the facts:
- ADA protection: The Americans with Disabilities Act protects those who choose to attend rehab. It requires your employer to make accommodations for you to get treatment. And, they can’t fire you because you decide to attend rehab.
- Family and Medical Leave Act: FMLA allows employees to take 12 weeks of medical leave. While in the rehab program, your job is protected.
- Confidentiality: If your employer receives any information about your treatment, they are required to maintain confidentiality.
Additional Reading: 5 Ways to Make Rehab a Little More Affordable
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