Financial Assistance
Undoubtedly, one of the most stressful aspects of recovery will be financial issues. Do I still have a job? How will I pay for the recovery center? What will my financial situation look like after I leave the recovery center?
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The cost of therapy can vary greatly. Detox can range from $600-$1,000 or more per day. Outpatient treatment can range from $250-$500 or more per day. Inpatient treatment probably varies the most, depending on the type and location of the treatment center, and can cost $14,000-$27,000 or more. Aftercare is also an expense per session. Overall, you are likely looking at a cost of around $25,000+ for PHP, IOP and aftercare combined. Some treatment centers may provide a sliding scale payment option based on income.
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Below are a few creative financing options to help ease the financial stresses:
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The first place you should check is your health insurance. Many health insurance companies will cover at least a portion of your recovery expenses.
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If you are comfortable making your situation public, crowdfunding sources such a GoFundMe may be an option.
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Lending Options-This link will give you multiple different lending options for a personal loan. There are several options for loan length, amount, etc. They often have higher interest rates, but provide a lump sum in a pinch.
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State Disability-Check with your state's Department of Health Services to see if you can apply for disability benefits.
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Social Security Disability-Depending on your salary and the amount you have paid in, you may be eligible for substantial social security benefits. Keep in mind that this will subtract from your overall retirement benefit.
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*Remember to be responsible when borrowing money. You don't want to ruin your credit in the process. It is a good idea to sit down and take inventory of your monthly expenses, taking into account the amount of any loan payments. Plan your expenses for six months to a year away from work. This will be a good basis for figuring out loan amounts as well.
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*All financial figures obtained from rehabs.com
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