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Tips to Help Pay the Bills While in Rehab

Here at the Palm Beach Recovery Group we believe that your financial obligations don’t stop just because you’re in rehab. How can you pay for it? Who will cover your expenses? How will you manage to keep your job? How can you pay for both rehab and a mortgage? These are the same issues that stop many people from finding the help they need. Worried about financial resources and job loss, too many miss out on the treatment that could save their lives.

BillsFinding the Money

You might have to get imaginative, but thankfully, options are readily available. Here are a few ideas you might want to think about:

Angel Funds:

Many organizations raise Angel Funds specifically to help pay for treatment services for those in monetary need. With rehab costs covered, you will have more funds freed up to pay your bills while in rehab.

Scholarships:

Treatment centers often offer scholarships to help people pay for rehab or pay for ongoing life expenditures while acquiring treatment in their facility. Ask about these choices when you’re doing research on treatment centers.

Personal Loan:

To cover costs of treatment or personal bills while in rehab, think about taking out an individual loan. Banks, friends, and family are all potential sources. Just do your research and be sure you can pay the money back. If asking for money from friends and family, you can recommend they give directly to the treatment facility to guarantee them the funds are going toward treatment, not your habit.

Financial Guardian:

Even if you find the funds to pay for everything while in rehab, it may be challenging to physically keep up with payments. Or unforeseen payments may come up while you are away. Because of these problems, it might help to designate someone as your financial trustee. They can watch your accounts for you and pay anything that’s due while you’re in rehab. You can make a casual arrangement with a trusted friend or family member, or make it official with legal documents to give someone authorization to manage your accounts.

Work benefits:

Do you have any vacation time saved up? Personal days? Does your employer offer long-term and short-term disability? Try using these benefits to pay for your time away, that way you don’t miss out on valuable paydays. Also, look into your employee assistance program. This often supplies free counseling or recommendations to rehab facilities.

Insurance:

If it’s deemed a medical requirement, your health insurance provider may cover substance abuse treatment. Length of stay and specific treatment facilities vary with providers, so be sure to communicate with your insurance broker or human resources officer to guarantee everything’s done properly.

Medicare and Medicaid:

These government solutions may also cover the cost of your treatment, allowing you to spend your own money on the rest of your costs outside of rehab, like electric and water bills.

Crowdfunding:

With sites like GoFundMe, anyone can ask the digital masses for help with anything. Put your story out there. Be open and sincere about what’s going on and why you need assistance, then see if you can raise funds to help pay the bills while you’re in treatment.

Sell stuff:

Your sobriety is more important than your camera, your art collection, your media center, your boat, and even your grandmother’s earrings. Many items can be sold quickly and easily to scrape together enough cash to pay for your expenses while in rehab.

Keeping Your Job

Are concerns about maintaining your job holding you back? Here are the facts:

ADA protection:

The Americans with Disabilities Act protects those who choose to participate in rehab. It calls for your employer to make accommodations for you to get treatment. And, they can’t fire you because you decide to attend rehab.

Medical Leave Act:

FMLA allows employees to take 12 weeks of medical leave. While in the rehab program, your job is protected.

Confidentiality:

If your employer receives any information about your treatment, they are required to maintain confidentiality. And of course, The Palm Beach Recovery Group is dedicated to keeping your information secure at every step of your treatment, before, during, and after you have left.

Author Ricardo A. Santiago

Ricardo A Santiago LMHC, MS currently serves as Clinical Director of Palm Beach Recovery Group. Mr Santiago holds a Bachelor of Arts degree in Communication and a Master of Science degree in Counseling Psychology from Palm Beach Atlantic University.

More posts by Ricardo A. Santiago

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