Self-Pay Treatment Options

Making the decision to seek professional help for a substance abuse disorder is a very big deal, and at Guardian Recovery Network, we believe that making this decision and committing to addiction treatment is as complicated as your personal journey of recovery should get. Once you have decided to enter into a comprehensive addiction treatment facility, we will gladly take the reins to ensure that the admissions process is as simple and stress-free as possible – and that you begin receiving care as soon as possible. Medical detox is a necessary first step on every journey of recovery, seeing as the symptoms of drug and alcohol withdrawal can be extremely uncomfortable – even life-threatening – if not constantly overseen by a team of medical professionals. Once the detoxification process is complete, you will transfer to the next level of care, which may be intensive outpatient or inpatient treatment depending on your personal needs and your history with substance abuse. Guardian Recovery Network offers all potential clients an in-depth consultation and assessment, which will ultimately determine which addiction recovery program will best meet your needs, and which level of aftercare will best support your personal treatment goals.

Once we have determined which of our personalized and integrated treatment programs is the best fit for you, the next step is considering payment options. In most cases, major health insurance providers will cover part or all of medical detox and inpatient treatment. However, we understand that not everyone who needs substance abuse treatment services will have access to healthcare, and that even those who do may want to take advantage of a different payment option. Some recovery centers, including ours, offer self-pay and private pay options. Self-pay is an ideal option if you are uninsured, or if your current insurance plan does not offer coverage for specialized programs. Whatever your personal circumstances, it is important for you to know that we will help you in any and every way we can. We believe that quality medical care should be accessible to all those who need it.

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Private Pay Options for Addiction Treatment Programs

One common private pay option for drug and alcohol treatment is a personal medical loan. In order to take out such a loan, you will need to be in decent financial standing and have a reasonably good credit store. Unfortunately, those who have been struggling at the hands of a serious addiction for an extended period of time will generally not be the most financially stable. Supporting an addiction is not inexpensive, and many individuals will find themselves in a place of financial insecurity by the time they decide to seek the help they need. If you are still in good financial standing, a personal medical loan is certainly an option to consider. There are several pros and cons when it comes to this particular private pay option. The benefits of medical loans include expedited addiction treatment (meaning you will be able to enter detox quickly), generally flexible terms (more leeway when it comes to repayment), and the potential for the loan to cover additional costs related to seeking medical detox treatment (such as travel expenses). Some of the difficulties you might run into include high interest rates or partial coverage – medical loans do not always cover the entire value.

There are many additional private pay options. If you have a financially capable relative or close friend who is supportive of your recovery, you may want to consider asking for a personal loan. There are many benefits to this option, including very low – or nonexistent – interest rates, and a great deal of leniency when it comes to repayment. Of course, it can be difficult for those who have been active in their addictions long-term to gain the trust of their loved ones before proving how committed they are to their recovery. If you borrowed money from your loved ones in the past in order to support your habit, this option might not pan out. Some credit cards might provide low or no interest rates when used to cover necessary medical costs. In fact, there are some credit cards that are designated exclusively for medical procedures and essential treatments, such as medical drug detox and inpatient rehab. However, interest rates for medical credit cards can be exceptionally high, so it is important that you research options thoroughly before making any major decisions. Our team of experienced financial advisors is prepared to walk you through all viable private pay options if this is the route you decide to go, helping you determine which is the best suited to your personal needs, current financial situation and financial background.

Zero-interest financing

Guardian Recovery Network 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.

Insurance Benefits and Self-Pay Options

Even if you do have health insurance, you might decide that self-paying is the better option. In many cases, insurance providers will restrict the services that they cover. Depending on your personal needs, you may require specialized mental health services that you will only have access to if you choose to partially or fully self-pay. Because utilizing insurance can limit your options significantly, if you have a way to self-pay that may be the better choice. Additionally, self-paying for medical detox will allow you instantaneous admission. Our team of financial advisors will work with you directly in determining which option will best suit your needs, though if your insurance does ultimately cover the costs of detox it can take days, weeks or months for your benefits to come through. Recovery is a time-sensitive matter, and the sooner admission can occur the better.

Putting a price on your health is impossible – there is nothing more important than your physical, mental and emotional well-being. If you do not have your health, you really do not have anything at all. Still, it can be difficult for someone who is experiencing the torment of active addiction to value their life at all. It can be even more difficult to justify seeking treatment. For a moment, consider the cost of your addiction. Not only is substance abuse extremely expensive, but you are compromising every area of your life – not just your financial security. You are undoubtedly missing out on opportunities, actively engaging in self-destructive behaviors and losing yourself more and more to the vicious cycle of addiction. Once you decide that seeking professional help is a necessary next step, you have probably lost quite a lot, and suffered great consequences at the hands of your addiction. At Guardian Recovery Network, our main priority is helping you get admitted into detox as quickly as possible so that you can move onto the next phase of recovery, while working to make the entire admissions process as straightforward and easy as we possibly can.

Self-Pay Options at Guardian Recovery Network

If you have decided that you are ready and willing to begin your personal recovery journey, give Guardian Recovery Network a call today. Our team of financial advisors will conduct a free, no obligation insurance check, which determines which treatment services your current policy will cover. We work with all major providers, as well as several lesser-known providers – give us a call to discuss what your options are. We also provide a brief, non-committal pre-assessment, geared towards determining whether or not self-pay options will benefit you. For more information on payment options and for additional help regarding the admissions process, reach out to us today. We understand that the amount of options can be overwhelming, and we will do everything in our power to make the entire process as easy and stress-free as we possibly can.