Sobriety on a Shoestring: Understanding Your Options for Rehab When You’re On a Tight Budget

If you or someone you love needs substance abuse treatment, the last thing you want getting in the way is finances. Unfortunately, the expenses related to rehab make getting sober difficult for many people.

Like most medical services, the cost of addiction treatment is quite high. If you don’t have insurance or your policy doesn’t cover rehab, hope may seem out of reach.

However, it turns out there a number of options for rehab even if you’re on a tight budget. Let’s go over some ways to get the funding you need.

Finance the Treatment

A serious drug addiction requires immediate treatment. The longer you wait, the more dangerous and life-altering the situation can become.

Taking out a loan is a good way to pay for rehab now and make payments to the lender over time. This allows you to get clean and back on your feet before you have to start the repayment process. In fact, you can find loans you don’t have to start paying back for 6 months.

If your credit isn’t healthy enough to finance your treatment, ask a family member to help. They can take out a loan for you or co-sign on the financing.

Choose the Right Facility

There are countless programs and facilities that help people get sober. When on a budget, it’s important to choose the right one. This ensures you don’t overspend.

Research a rehab facility’s website to make sure it’s right for you. Many provide informative articles about different addictions so you can read more about quitting drugs like meth or alcohol.

You’ll need to steer clear of luxury facilities. They’re very expensive and you can find the same level of treatment with a rehab center that doesn’t have all the bells and whistles.

Look to Family and Friends

If getting a loan from a bank isn’t an option, a personal loan may be the answer. This situation will be much less stressful, especially if the family member or friend doesn’t require repayment right away.

This may be a hard thing to ask for, but the people who care deeply about you will likely want to help. When reaching out to them, it’s important you’re upfront about the severity of your addiction and your financial situation.

It will also help to have a plan of action already worked out. Have a facility and program chosen so they know you’re serious about getting sober.

State or Federal Assistance

Depending on your situation, you may qualify for federal or state grants. These programs help people with financial constraints get the treatment they need.

Most of these programs have strict requirements, so make sure you research them before applying. Government organizations like SAMHSA help individuals locate grants that are right for them.

The great thing about grants is you don’t have to pay them back. Even if they only cover a portion of your treatment, they’re worth looking into.

Understand Your Options for Rehab on a Budget

Just because you’re struggling financially doesn’t mean rehab is out of the question. Your second chance is out there. You just need to find it.

Use these tips for locating affordable options for rehab facilities and get the help you need today.

Check out more articles for tips on managing finances and finding ways to save.