Similar to college, the cost of treatment seems overwhelming, but the result is better and more beneficial for you in the long run. Unlike college, rather than risking opportunities for higher paying jobs, you are risking your life if you don’t seek treatment.
Your insurance may cover some of your treatment costs. We accept PPO insurance with all companies that cover out-of-network providers. The best part is we do all the work: we verify the benefits, take care of the pre-authorization and negotiate the best coverage for you. The only thing you have to do is call us with your insurance information or take a minute to fill out our form.
FAMILY AND FRIENDS
If family and friends supported your cover-up stories for addiction, how much more will they support you when you are honestly spending their money to get healed? Perhaps you are hesitant to ask them for help. You don’t have to be ashamed to ask for help because addiction is not your fault. Addiction is a disease, and you need treatment. Your family and friends might surprise you with stretched out hands knowing that you are finally committed to recovery.
WHAT IF THEY WANT ME TO PAY THEM BACK?
That’s okay. If this is the case, you can set up a loan agreement with them and be sure to keep your end of the deal after treatment. Paying them back is actually a perfect opportunity for you to show them that you’re becoming a new person.
WHAT IF THEY ARE WILLING TO HELP, BUT DON’T WANT TO GIVE THE MONEY TO ME PERSONALLY?
Perhaps your family and friends are scared to give you money again because every time they have in the past, you have spent it on drugs and alcohol. However, they can give their support to a point person, like a trusted family member, who then can give it directly to Duffy’s. Try not to be hurt by their lack of trust; instead recognize it as one more reason why you need treatment—to help you rebuild what addiction has damaged.
Have you been saving money for a rainy day? You can tap into your personal savings, CD or money market account to help cover the costs of rehab and let some sunshine back into your life.
TIPS ON SAVING MONEY FOR A RAINY DAY:
- Set up direct deposit at work to have 10% or more of your paycheck deposited into your savings account.
- Deposit at least 50% of bonus checks into your savings account.
- Deposit tax refunds, birthday and holiday money into your savings account.
- Make sure the savings account is hard to access—don’t get a debit card for the account; out of sight, out of mind.
- Only use money from your savings account on rainy days—when times get hard and you absolutely, desperately need the money.
You might be able to take out a low-interest loan to help pay for rehab. Although a loan means another payment you’ll have to make, it also means the opportunity to get your life back. In the long run, the cost is small compared to the cost of addiction.
Duffy’s offers financing for up to 50% of your treatment cost. We are more than happy to answer any questions you may have about our financing options. Please call, email or chat us today.
BANK OR CREDIT UNION
You can get a personal loan from a bank or credit union at a lower interest rate than a credit card. Generally, the bank with which you have a history will offer the best rate, but credit unions offer competitive rates as well.
Another option for a low-interest personal loan is social lending, or person-to-person lending, where only individuals are involved rather than a financial institution. Lending Club and Prosper are two of the most popular social lending sites.
Although credit cards have high interest rates, they provide the immediate and short term funds you need to pay for treatment. Many credit cards have a 0% intro APR (annual percentage rate), so if you qualify, opening up a new credit card might be a wise choice, especially if you can pay all or most of the amount back before interest begins to accrue.
Did you ever sell personal items so you could get your next fix? Why not do the same so you can get treatment? We listed some ideas below, but think outside the box; you might have items for which people will pay good money.
- Designer purses
- Sports gear
- Weapons (knives, guns)
- Game Consoles
- Collector’s items
Some items are easier to let go than others. Start selling those ones first while keeping your mind open for other options of paying for rehab. When you still come up short, you might have to make difficult sacrifices, but your life is far more valuable than your 46 inch-1080p-LED-TV. Plus, just think . . . if you don’t go to treatment, chances are you’ll probably sell these items anyway to fund your addiction.
Recovery is starting over, starting fresh. You can start over with your personal possessions too.
FINDING A TREATMENT CENTER THAT FITS YOUR BUDGET
We know how serious addiction is and want to see you get treated, whether it is here or elsewhere. Although quality and availability varies with each treatment program, receiving some form of treatment is better than none at all.
PUBLICLY FUNDED PROGRAMS
Programs that are partially or fully funded are very affordable and have to provide treatment for those seeking treatment whether a person can pay or not. However, these programs cannot afford the same quality of care that you would see at most private treatment centers. You also may run into a long waiting list instead of getting treatment when you need it most.
Outpatient programs are cheaper than residential treatment and offer similar services, such as group therapy and individual counseling. Also, insurance companies often cover some or most of outpatient treatment costs. These programs give you the flexibility of staying home and continuing to work. However, you are responsible to voluntarily stay free of drugs and alcohol, while a residential program provides that safe structure for you.
With this facility locator you can narrow down treatment centers according to location, services and forms of payment. With careful research, you can find a quality treatment program even if you are on a tight budget.