Once you have decided to take the first step on your personal journey of addiction recovery and reach out for help, you will need to begin thinking about the most effective way to pay for the drug addiction detox program that you have decided on. Fortunately, health insurance policies tend to cover a major portion of addiction detox; in many cases, a policy will cover the entire process. If you aren’t currently covered there are several different options you can take. At Princeton Detox and Recovery Center we offer a self-pay option for those who are admitted to our detox program and want to cover some or all of the value themselves.
At Princeton Detox we understand that engaging in active drug addiction for an extended period of time does not always leave you in the best financial standing. Those who struggle with addiction rarely are completely consumed by the disease; concepts like budgeting, saving and keeping up-do-date on premium payments fly out the window completely. We are dedicated to making sure that our detox program is attainable to everyone who needs it. We actively support our potential patients during the insurance claim process, offering any advice and support that is required. If health insurance isn’t a viable option, we will work with you to develop a self-play plan so that you can cover treatment yourself. No matter what your current circumstances, we believe that quality treatment should be available to all those who need it.
In most cases, self-pay is the most logical option when you need a specialized detox program that your insurance does not fully cover, if you have no insurance coverage available or when you have already maxed out the allotted addiction treatment portion of your plan. Regardless of what your current coverage and financial circumstances are we will work closely alongside you to ensure that you get the treatment you need as quickly as possible.
Options for Detox Programs
Even if you aren’t able to simply write a check that will cover our comprehensive detox program there are still many private pay options that will help you to get the quality treatment you need without completely breaking the bank. You may want to consider whether you have any close friends or family members who would be willing to finance a loan so that you can enter detox and get started on the road to recovery as quickly as possible. Those who are close to you and who want to see you succeed and overcome addiction will understand that your health and well-being are valid investments. Of course, depending on what road your addiction led you down, attempting to negotiate a private loan could be met with skepticism and disbelief (if you stole money from your family members while active in your addiction for example, this may not be the best route to take). If you are serious about getting and staying clean however, sitting down and speaking one-on-one with a loved one who has the financial ability to pay privately for detox is not a bad idea.
Depending on your current standing with your bank or your credit union you may also be able to request a personal medical loan. Medical loans are used to pay for medical expenses that you are unable to cover yourself. Many do not require any collateral, meaning that they are unsecured personal loans. Lenders will take your personal financial history into account (your credit history, whether or not you have a steady source of income, etc.). You may also want to consider applying for a secured personal loan which will require some collateral but will also allow for more competitive rates. Some pros of medical loans are quick access to the allotted funds and cost-effectiveness, depending on your credit and personal financial history. For more information speak with a representative from your bank. There are also some credit card companies that are willing to reduce interest rates for certain expenses such as medical expenses for drug and alcohol detox programs. However, applying for a loan might be the most cost-effective option if interest rates are not reduced.
Even if you do have health insurance coverage you might choose to self-pay for detox. Not every insurance provider will cover the cost of addiction treatment and if they do they may have very rigid guidelines regarding which facilities are covered and which are not. At Princeton Detox and Recovery Center we believe that addiction recovery is a unique and individualized process, and that while one detox program might be the right fit for someone, someone else might require a different level or program of care. If you suffer from underlying mental health conditions for example, you will want to make sure that you’re attending a detox facility that specializes in comprehensive, dual diagnosis care. Rather than find the detox facility that fits your budget, find the detox facility that is right for you and we will do all we can to help you work out the details. Drug detox should be a one-time experience – avoid compromising the quality of care because you feel overwhelmed by the financial aspect of treatment. We are here to help.
The Value of
It truly is impossible to put a price tag on your personal well-being – if you don’t have your health, you don’t have anything. If attending a detox program feels like too much of a financial burden try considering what your active addiction is actually costing you. Your relationships with your friends and family members, your happiness, your ability to reach your full potential… your freedom. Living with an active addiction makes for a hollow existence. Additionally, consider how much you spend on drugs and/or alcohol on a daily basis. Supporting a serious habit is not inexpensive and attending a detox program now will ultimately save you an immense amount in the long run. If you are suffering from an untreated and underlying mental health condition you have probably also missed out on a lot of opportunities throughout your life, like career advancements, the development of romantic relationships… even events like family vacations or school trips can be greatly hindered by untreated issues like depression or anxiety. At Princeton Detox and Recovery Center we address all concerns simultaneously and make sure that each of our patients is receiving the comprehensive and in-depth care he or she needs to go on and lead a fulfilling, substance-free life. Attending our detox program is not simply about getting clean in a safe and supportive environment. It is about setting you up for continuous success in recovery and allowing you to live the life that you deserve.
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If you have additional questions regarding the self-pay or private pay options at Princeton Detox and Recovery Center, reach out to us today and we’ll help you determine which option is right for you. While financing treatment might seem overwhelming it truly doesn’t have to be. We have experience working with those of all financial backgrounds and we understand that committing to a drug detox program is stressful enough in itself. Our job is to make the overall process as easy as possible for you while working hard to ensure that you are getting the professional care that you need. We are more than happy to explain how our self-pay program works and do everything we can to get you started on your own personal journey of recovery as efficiently as possible. Give us a call and talk to one of our Treatment Advisors today.