The road to recovery and sobriety is a long and hard journey, riddled with trials and tribulations.
Besides the obvious challenge of overcoming the mental and physical symptoms of withdrawal, you will also have to consider the financial costs.
If you’ve decided to work towards your sobriety, don’t let financial burdens overwhelm or dissuade you. Many people struggling with substance abuse are unable to get the help they need because of their financial difficulties.
How will you keep your job, or pay your home bills and rehab expenses?
Luckily, there are various practical measures and strategies to help you cover your bills for a successful transition towards sobriety.
Let’s take a look at some tips to cover your rehab expenses:
1. Friends & Family
Once you have achieved sobriety, you will be able to renew your energies and determination.
However, you will need your friends and family’s support to get past the obstacles and achieve your goals. There’s nothing wrong with reaching out to your friends and family for financial assistance.
Think of it like an interest-free loan that you can return once you return from rehab and resume work. You can consult your family members, siblings, and friends to give you a loan.
You can even ask them to pool in the funds together to cover your rehab expenses. Approaching your loved ones is always a better, more practical strategy than approaching banks and financial institutions.
Today, there is a wide variety of rehab-focused insurance providers that can help you achieve substantial coverage.
Typically, health insurance providers provide coverage for substance abuse treatments if it is considered a medical necessity. It is essential to consult your insurance broker or consultant about the duration of stay, specific facilities, and treatment expenses.
It is best to do your research on local rehab center insurance providers and shop around for the ideal insurance products.
3. Angel Funds
Angel funds are an ideal strategy to cover your rehab costs and allocate your income or savings towards other financial obligations.
Angel funds are amounts raised by various organizations to facilitate the medical treatment of those who are financially burdened or overwhelmed. It is crucial to do your research on all angel fund programs in your locality and check your eligibility for it.
4. Government-Funded Programs
Federal and state governments in the United States monitor and regulate various free rehab and substance abuse treatment programs. These treatment centers provide a comprehensive range of services, including therapy, medical cleansing, and rehabilitation.
These programs come with a wide array of advantages and facilities, but there is often a lengthy waiting list. If there is a program in your locality, be sure to apply without delay and engage counselors on your case.
Government programs, such as Medicaid and Medicare, also help in covering the expenses of rehab treatments. If you qualify for such a program, you can use your own money to pay off other financial obligations, such as rent or utility bills.
Many treatment centers offer scholarships to cover rehab and other financial obligations during their treatment facility. Be sure to explore all such opportunities and programs as you’re doing your research.
5. Take Out A Loan
Taking out a personal loan is another practical solution to cover your rehab expenses or private bills while undergoing treatment.
As you explore personal loans, be sure to shop around for various products. You can check out the individual loan specifications and criteria for multiple banks and lenders.
Typically, banks and financial institutions have strict eligibility criteria, and they undertake an extensive investigation to determine your risk potential.
Even if you qualify for a personal loan, you need to assess your ability to pay back once the treatment ends. If you have friends and family who can facilitate you, it’s best to go for an interest-free and flexible loan.
Crowdfunding is a lucrative strategy to raise funds from a global audience. All you have to do is put your story out there, and the experience is bound to be empowering and uplifting.
In recent years, crowdfunding sites, such as GoFundMe, have risen because of their striking success rates.
You have to be open and ensure honesty as you narrate your story and request for financial assistance. Transparency is of the utmost importance because the digital masses look to help people who are genuinely in need of assistance.
7. Selling Off Belongings
Now that you’ve made the difficult decision of going to rehab, your sobriety must be your sole priority. If you need to sell off a few belongings, such as your music collection or some old furniture, avoid overthinking.
You can buy everything in the world, but you cannot put a price on your mental health and physical wellbeing. Just walk through your home and make mental notes of all the things that you can sell to scrape together funds for your treatment.
It is highly advisable to appoint a friend or family member as a financial guardian to oversee your affairs. While you’re in rehab, unexpected payments can come up, or you may find it challenging to keep up with the payments.
Having a financial guardian on board will certainly make things easier. Rehab is an overwhelming journey towards rehabilitation, and it is wise to surround yourself with friends and family.
You will need your support systems, so instead of isolating yourself, reach out to your loved ones, and share your decision.
About The Author:
Britney Caira is a good writer, and her primary goal is to educate readers and share quality content, She would love to write about Health and Insurance. She assures you that the readers will find her writings interesting and engaging.