What Resources Do You Have to Quit Meth If You Don’t Have Insurance?

Taking illicit street narcotics like meth has a way of making people feel good in the beginning, only to end up ultimately causing severe problems in their lives. There's absolutely nothing good about someone having to live with an addiction to meth.

The good news is meth addiction does not have to destroy lives. If caught in time, this is one disease that can be arrested with the proper treatment. Setting aside all the crazy Internet cures for drug addiction, the best and only viable way to beat an addiction to meth or any other substance is by seeking help from a reputable addiction treatment center.

When considering where and when to get treatment, a prospective patient has a lot of choices to make. At the end of the day, paying for treatment usually presents the biggest obstacle. If the individual has a viable healthcare insurance plan, paying for treatment becomes less of a problem. Why?

When the Affordable Care Act of 2009 was signed into law, it gave insurance companies a clear directive about how to treat addiction treatment costs. Cutting to the chase, insurance companies have to cover said costs the same way as they would any other medical condition. A particular policy may only cover a portion of the costs, but the patient will know ahead of time how much their potential exposure is going to be after their insurance benefits have been applied.

With only partial coverage or no coverage at all, the patient is going to have to find other resources to pay for treatment. Before we go on to discuss possible resources, it's worth noting that outpatient care is significantly cheaper than inpatient care. It may not be the most appropriate treatment option, but it's certainly better than passing on treatment altogether. Under no circumstances should anyone allow finances to deter them from getting much-needed addiction treatment.

Let's move on and discuss possible ways to pay for rehab if healthcare insurance is not available.

Paying for Meth Addiction Treatment Without Insurance

With the right motivation, a prospective addiction treatment patient should be able to identify possible payment resources. Beating the addiction and reclaiming a better life should provide that motivation.

Given the possible payment options could be difficult to identify, we thought we could help by offering a few viable suggestions. We would suggest the following:

  • Using personal savings, even 401K retirement monies if available
  • Credit cards and personal loans
  • Scholarships and grants
  • Rehab facility financing

Let's explore these options a little closer.

Personal Savings

If you have invested in your future by setting aside money for retirement or a major asset purchase, it might be a good idea to use said funds for treatment. The truth is nothing in life is more important that your health and personal welfare. Perhaps, the best way to invest in your future is by making sure you have a future. No matter how much of your savings you use to get help with your addiction, you'll have other opportunities to replenish those funds at some point in the future.

Credit Cards and Personal Loans

Debt is a scary thing. In fact, debt can sometimes be one of the reasons why someone felt a need to escape reality through self-medication. Still, taking out a personal loan or using credit cards to pay for treatment would make sense if all other options were unavailable. Secured debt would be preferable because of the lower costs associated with borrowing. Credit cards are easy to use but come with higher borrowing costs. Either way, the borrower should treat borrowing for treatment as a necessity and repay said debt as soon as possible without stressing.

Rehab Facility Financing

Many of the nations top rehab facilities offer ways for patients to finance treatment costs in-house. With a leaning towards compassion, it's quite possible the rehab facility will offer patient-friendly terms that might include discounts. An individual's credit profile might be relevant.

Scholarships And Grants

Through endowments and donations, some rehab organization is able to offer scholarships and/or grants to help pay for addiction treatment costs. There's also a number of government agencies and independent charitable organizations that might have funds available to help members of the community get the help they need.

If you need help but aren't sure how to cover the costs, you need to give us a call at 800-737-0933. We will do everything we can to get you into treatment and help you find the resources to pay for treatment.