Using 401k & Other Savings for Treatment
You might have a personal savings account or a 401k (a retirement savings and investing plan provided by your current employer). You might be hesitant to tap into personal savings in order to cover medical detox. If you are on the fence, we recommend considering the cost of medical detox versus the cost of active addiction. If you continue along the path you are currently on, symptoms associated with addiction will continue to worsen in severity and you will lose more and more at the hands of your substance use disorder. Your interpersonal relationships will suffer, your financial stability will crumble in time, and your personal career goals will eventually fall by the wayside. A short stay in medical detox can change your life for the better, and give you the motivation you need to begin living a life of recovery.
Asking a Friend or Loved One to Help Pay for Detox
If you have a close friend or family member who is in good financial standing and who supports you on your journey of addiction recovery, it might be a good idea to ask this person if they would be willing to help cover the cost of detox. Asking a loved one to help pay for detox might prove difficult if you have been in and out of treatment multiple times in the past, or if you have previously “borrowed” money and spent it on drugs and alcohol. Before asking a loved one for financial assistance, we recommend honestly considering how much you need and how long it will take you to pay them back. For example, if you have little to no financial assets, avoid promising to pay your loved one back as soon as your stay in detox ends. Let them know you are planning on continuing your recovery journey, and you will prioritize paying them a certain amount every month once residential treatment ends and you are able to maintain a full or part-time job. Be realistic, and try not to be too discouraged if your family is unable or unwilling to help. When it comes to addiction, trust is often something which must be slowly rebuilt over time.
There Are Many Ways to Pay for Detox
When considering how you are going to cover the cost of detox, remember you have several viable options available. We know it can all seem overwhelming at first, but avoid letting coverage-related stress prevent you from seeking the professional help you need. We are readily available to help you quickly decide which coverage option is best for you or your loved one. According to the National Institute on Drug Abuse, treatment is always less expensive than its alternatives, like incarceration, criminal justice costs, theft and substance-related accidents and injuries. If you are struggling to determine whether or not medical detox is “worth it,” we encourage you to consider the cost of active addiction. If you make the decision to give addiction treatment your full effort, your quality of life will undeniably improve — in fact, you will likely start living a life beyond your wildest dreams.
The sad truth is many people who are in desperate need of medical detox services avoid seeking professional help because they believe they cannot cover related costs. At Pine Tree Recovery Center our main priority is helping you receive the care you need no matter what. Whether you utilize your current health insurance plan, apply for a medical loan or seek treatment from a state-funded facility, we are available to walk you through every step of the process from start to finish.