Self-Pay Treatment Options
Once you have made the life-changing decision to seek professional help for a substance abuse disorder, you will need to begin looking into detox options. Medical detox is a crucial first step of every recovery journey. Choosing an appropriate medical detox facility will allow you the opportunity to withdraw from your drug of choice in a safe, secure and supportive environment. Choosing the right medical detoxification facility is an important decision, and fortunately, it is not one you will have to make on your own. Boca Detox and Recovery Center offers free, no obligation assessments to help you determine if our program will provide you with all of the services you need to successfully detox and eventually move onto the next phase of your recovery journey. If we do believe that our program will best suit all of your personal needs, the next step will be looking into covering the costs of detoxification. In the majority of instances, your insurance provider will cover some or all of your medical detox experience. However, Boca Detox and Recovery Center also offers self-pay options to those without insurance coverage, or to those who are looking for a different payment option for a variety of other reasons.
At Boca Detox and Recovery Center, we are dedicated to providing quality and effective care to all those who need it. We believe that professional detox services should be available to everyone, regardless of personal financial background. We want to make the entire process as simple and straightforward as possible, therefore we deal directly with the majority of major insurance providers. We understand that not everyone has access to comprehensive healthcare, and we work with each individual client to help work out a private pay or self-pay option so that a lack of insurance never acts as a barrier to receiving adequate help.
Private Pay Options for Medical Drug Detox
There are a number of private pay and self-pay options available for medical detox. We understand that not everyone will be able to cover the full cost of treatment out-of-pocket. While medical detox is a necessary and life-saving service, it can be difficult for those who are underinsured or uninsured to completely cover the value. There are several viable options available depending on your personal circumstances. In some cases, your bank or financial institution will offer a personal medical loan. Such loans can help cover treatment expenses, however, they are best suited for those who have good credit and a stable and consistent financial history. Unfortunately, addiction strips individuals of many things, often including financial stability. Most of the money you earn during your active addiction will go towards supporting your habit. It is not uncommon for those who have been grappling with substance abuse disorders to find themselves in unfavorable financial situations. Debt is extremely common, and building good credit or saving any amount of money often becomes an impossibility. The good news is that many personal medical loans are unsecured, which means that you will not be required to risk any significant personal possessions – like your home – in order to pay off accumulating medical debt. However, providing necessary collateral could prove to be an obstacle. If you have not been suffering from an addictive disorder for an extended period of time, and if you have not accumulated debt while active in your addiction, a personal medical loan may be the way to go.
Boca Detox Center has a relationship with M-Lend Financial that may be able to help cover the cost of treatment for clients who are uninsured or under-insured. Clients and their families may be able to obtain interest-free financing for one year or low-interest fixed rate financing for two years (eligibility for either is determined by the lending company). Speak with one of our admissions team members about how to set up a consultation.
You may find that a close friend or family member who is financially capable and supportive of your recovery is willing to help. Negotiating a private loan is an ideal option, because private loans generally come interest-free – and if you have a personal relationship with the lender, you may not have a strict time limit in which to repay the full amount of the loan. If you do choose to request financial assistance from someone you know well, be prepared to be met with a certain level of skepticism. Drug addiction and alcoholism tear families apart and destroy friendships, and it often takes a good amount of time to heal and repair these damaged interpersonal relationships. If you have borrowed money from your loved ones in the past, going this route might be even more difficult. However, this can be a great option for those who have not yet lost a great deal at the hands of addiction, and still have a good amount of interpersonal support.
Insurance Benefits and Self-Pay Options
Some individuals who have health insurance benefits will still decide to self-pay for medical detox. While your insurance company may agree to cover the costs of addiction treatment, they could potentially have very strict guidelines and stipulations. They might offer to pay for some services but not others, for example, your insurance provider might cover the cost of inpatient treatment but not of medical detox. This can be detrimental to your overall recovery if you limit your options based on what your insurance provider is willing to cover. At Boca Detox and Recovery Center, we believe that receiving the services you need to get the most out of your detox experience is of the utmost importance. Not only does our team of experienced and licensed professionals work to physically stabilize those who are experiencing symptoms of withdrawal, we also provide mental health services to those who need additional care. Regardless of your financial ability, it is essential that all of your individualized needs are being met. For this reason, we will work with you even if your insurance does not cover all of the services you need. You may be able to partially self-pay and rely on your insurance for partial coverage as well. If not, self-pay options will provide you with complete freedom when it comes to available services – you will undeniably get the level of care you need, and have access to all our available resources. Our financial advisors will work with you closely to explore all potential options and ultimately find the best solution for you.
Addiction VS. Addiction Treatment
At first, exploring payment options might seem somewhat overwhelming, seeing as there are so many routes you can take. It can also be difficult to appropriately assess the value of medical detox when you are deep in the throes of addiction. If you are having a difficult time justifying or adequately weighing the cost of treatment, consider how much your active addiction is costing you on a daily basis – not just financially, but in every aspect of your life. Not only is substance abuse itself extremely costly, but consider all of the opportunities you have missed and all of the self-sabotaging you have been actively engaging in. Maybe your career has suffered as a result of your addiction, or you have lost out on significant financial opportunities because of issues directly relating to substance abuse, like anxiety, depression or a lack of motivation. Coming to terms with the fact that your current situation is not working and you need professional help probably means that you have suffered immense personal consequences. While addiction recovery is certainly an investment, it will undeniably change the entire course of our life. Once you become willing to seek and receive help and commit to recovery, you will be amazed at how much you can accomplish and at how quickly all of your current issues will be resolved.
Self-Pay Options at Boca Detox and Recovery Center
To learn more about the self-pay and private payment options that Boca Detox and Recovery Center offers, give us a call at any time. We offer no obligation insurance benefit checks, and our team of financial advisors will conduct a free pre-assessment to determine which payment option is right for you.