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.