When you finally realize that you or a loved one needs help with a substance abuse problem, the next step is choosing a rehab center. But what if you can’t afford it? As most people are aware, treatment for anything doesn’t come cheap these days.

Before you make any rash decisions or assumptions, it’s important to know exactly what your options are. Affordable treatment for drug and alcohol addiction has improved as of recently, and you might have more options than you realize.

Let’s take a look at three common scenarios that you may fit into and how you can cover the cost of treatment.

Scenario #1: You have insurance but your deductible is high.

Thanks to the Affordable Care Act, most people with private insurance have some type of treatment for substance abuse. Because addiction is recognized as a chronic illness that requires specialized treatment, it is now covered under most private insurance plans.

Unfortunately, the deductible isn’t always affordable. You might find that while your insurance covers the cost of treatment, you still have to pay a high deductible or co-pay that you can’t afford.

If this is the case, do not let this stand in your way. Speak with a treatment center or referral network and see if you can work out a payment plan or be referred to a facility that can better accommodate you.

Scenario #2: You don’t have private insurance.

With the Affordable Care Act, everyone has access to medical treatment even if they don’t have private insurance. If you are under Obamacare, addiction and substance abuse treatment are covered. If you visit this website, you can check out your options for rehab based on your location and other factors.

If you haven’t enrolled yet, you either have to wait for a life change that gives you Special Enrollment, or you have to qualify for Medicaid or CHIP. You can find out more at ObamaCare Facts.com.

Scenario #3: You don’t have any insurance.

If you missed the deadline for Obamacare and you can’t enroll late, you don’t have to wait to get treatment. Again, talk to the treatment center of your choice or a referral network. Many rehab centers are willing to work with patients to get them into treatment. There are government grants and loans available, and you always have the option to pay for the cost of treatment with a personal loan or credit card.

The River Source offers AFFORDABLE substance abuse treatment. We accept most insurance companies and have financial assistance available. Call us to learn more.