Going through drug detox is one of the first steps in the recovery process. When you learn that a loved one has a problem with drugs, you may look for the first drug detox center in your area and call to schedule a time to bring in that loved one. Before you make an appointment though, you really need to think about how you will pay. A detox program can last for a few hours or an entire weekend and make it easier for an individual to make the transition to a rehab program. You can both manage and plan for how you will pay for a loved one’s detox.
Work with Insurance
If your loved one has any type of health insurance, check the policy carefully to see if it covers drug treatment. Many policies will cover shorter programs but not longer programs, and some will cover drug detox and not drug rehab. You may need to make some type of copay before the facility will accept your loved one. Those who do not have health insurance can apply for insurance through Medicaid or Medicare or apply for a private health insurance policy that covers drug rehab.
When you find a facility that offers detox and can help your loved one, ask about financing options. Many of the top facilities in the country work with creditors and lenders. These lenders require that you fill out an application. They run a credit check to determine if you are a worthy candidate. If you qualify for financing, you can use up to the limit awarded to you and make low monthly payments to pay off the financing in the same way you would a credit card. You can ask someone to apply for that financing with you or ask that your loved one apply for financing.
Apply for a Loan
Even if you do not qualify for a loan from a medical financing company, you may qualify for a loan from your own bank. These loans may charge less in interest too. The bank can ask for something to secure to your loan like your home or vehicle. You can take out a second mortgage on your home to get the cash that you need. Payday loans and title loans attached to your car can help too. Using any of these methods will help your loved one get the help he or she needs.
Call us and we can help you navigate through all of this 855-782-1009