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How Can I Go to Rehab Without Insurance?
Rehab Without Insurance
You’ve finally admitted you have a problem and you need help. But money’s tight, and you don’t have the means to pay for rehab – especially since you don’t have health insurance. Not to fear – you don’t have to let recovery fall to the wayside simply because you can’t afford it. There are low-cost – and even free – options for those who aren’t insured. You just have to be diligent in finding them.
Begin Your Search
First, familiarize yourself with the treatment options available. Do you need inpatient or outpatient services? Inpatient programs are those where you’re required to live at the treatment facility for the duration of the program, while outpatient treatment allows you to receive treatment during the day and go home at night. Determining which option best suits you will help you narrow down your search.
Next, zero in on national service locators. A great resource is the Substance Abuse & Mental Health Services Administration (SAMHSA) website, which provides referrals for local treatment facilities, support groups, and community-based organizations.
Free Rehab Programs
Most states provide funding for rehabilitation services that can be accessed by those with no insurance or income. These centers usually require that the clients qualify by meeting certain requirements, such as a demonstrated lack of income or addiction status and/or need for intervention.
To begin this process, one can get in touch with their state or local mental health or substance abuse agency. SAMHSA also maintains a Directory of Single State Agencies (SSA) for Substance Abuse Services that makes it easier for people to determine who to contact.
Another widely recognized and available treatment center offering free drug rehabilitation services is The Salvation Army. For over 100 years, The Salvation Army’s rehab programs provide spiritual, social, and emotional assistance for those struggling with drug and alcohol problems.
Even if free treatment isn’t available, there are other routes you can take to get the help you need. Here’s a look at some of those options:
- Insurance: Just because the Affordable Care Act (ACA) is under threat of repeal by the Trump administration doesn’t mean you can’t hurry and sign up for insurance in order to get treatment. In fact, a record number of Americans have signed up for 2017 coverage under the ACA. What are you waiting for?
- Loans: Many treatment centers provide financing, which allows qualified applicants to pay back the amount in small increments during or after treatment.
- Friends and Family: Asking for help is hard for anyone – especially when you’re asking for financial help. But you never know who might step up and invest in your recovery. It’s worth a shot.
Maintaining your health insurance coverage during job loss can be anxiety inducing and overwhelming, but there are options available to you. Upon losing job-based coverage, your former employer may offer you COBRA continuation. COBRA (Consolidated Omnibus Budget Reconciliation Act) provides workers and their families with the opportunity to continue the group health coverage that they previously had under their employer’s group health plan—for a limited amount of time.
In order to be eligible for COBRA, you must have insurance that is covered by COBRA, a qualifying event (including job loss), and be a qualified beneficiary. If you have lost your job, your employer will inform you of your eligibility to maintain your insurance through COBRA. You will have at least 60 days to decide if you would like to continue your coverage. Once you have decided to continue your coverage, you will sign up for COBRA, and you will be responsible for paying the entirety of your premium (what was previously covered by you and your employer).
Once you are enrolled in COBRA, you will have the same coverage that you previously had while you were employed. That includes any mental health and substance misuse treatment that was covered through your insurance plan. If you are pursuing treatment while covered by COBRA, treatment facilities will likely need you to fill out a COBRA election form and you will be responsible for paying your premium. Although it might be slightly more complicated than it was when you were employed, unemployment does not mean that you cannot receive the alcohol or drug treatment that you need.
The bottom line: There are ways to get the help you need if you don’t have the cash. Don’t let a lack of money stop you from living the sober life you deserve!
Additional Reading: 9 Practical Tips to Help Pay the Bills While You’re in Rehab