If you are uninsured or underinsured, there are several other viable payment options available that will allow you to fully cover the cost of clinical care. At CuraWest, we sincerely believe that quality and effective addiction treatment should be readily available to all those who seek it. We understand that asking for help is likely the most difficult part of the comprehensive recovery process, and that individuals who have become willing to seek help will likely not be in a headspace to deal with all of the finer details.
Fortunately, our team of compassionate and highly experienced treatment advisors will help you along every step of the way. Dealing with the financial aspect of addiction treatment can seem overwhelming, confusing and stressful – in fact, the intimidation that goes hand-in-hand with covering the cost of treatment often deters people from seeking the help they so desperately need. At CuraWest, we want to make sure that as soon as you reach out for help, you receive the help you are asking for.
How to Self-Pay
Once you decide to seek professional help, one of the very next steps will be deciding how you are going to cover the cost of treatment. At CuraWest we accept most major insurance providers – however, we understand that those who have been suffering at the hands of active addiction do not always have the wherewithal to keep up with paying their premiums. Many of our clients are uninsured or underinsured. Therefore, at CuraWest, you also have the option to self-pay some or all of the cost.
We are committed to making our clinical services accessible to men and women of all walks of life, regardless of their current circumstances. While we do work with most major insurance providers and will gladly conduct an insurance benefit check anytime one is requested, we also offer private and self-pay options. We strongly believe that a lack of insurance should never prevent an individual from receiving quality clinical and medical care.
In most cases, self-pay options will come into play when an individual is uninsured or when his or her current insurance policy does not cover the level of specialized treatment that is required. Whether you are uninsured, underinsured or your benefits have simply been maxed out, it is important that you understand there are numerous other viable payment options available. Nothing should prevent you from receiving the help you need.
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Self-Pay Treatment – What is Covered?
If you are considering paying out-of-pocket for medical detox and residential addiction treatment, it is crucial you understand what services and amenities you will be covering. Keep in mind that the longer an individual stays in treatment the more significant out-of-pocket payments will be. The length of stay will depend heavily on individualized needs and requirements. At CuraWest we typically recommend that a client stays in our private, homestyle detox facility for at least one full week, and transitions into the residential portion of our program where they will stay for between 3 and 21 days. Of course, if the symptoms of withdrawal are severe, a longer stay will be necessary.
The services CuraWest provides that will be completely covered by self-pay options include:
- Room and board in our homestyle detoxification facility and residential treatment center.
- Access to three daily, chef-prepared meals and a variety of healthy snacks.
- In-depth and individualized clinical, psychiatric and medical assessments.
- Case management services.
- Medical detoxification services, including 24-hour medical care and Medication Assisted Treatment.
- Intensive therapy, including individual therapy, group therapy and family therapy sessions.
- Additional addiction treatment services, such as addiction education, a thorough introduction to the 12 step treatment modality (and other options) and holistic treatment methodologies like yoga, meditation and experiential therapy.
- Thorough and personalized aftercare planning services.
Our Drug & Alcohol Detox Services Include
At CuraWest our Admissions team and Treatment Advisors will work together to provide you with a comprehensive overview of self-pay rates, explaining each individual clinical service and its value.
Private Pay Options
There are numerous self-pay and private pay options available. Of course, we understand that those who have been suffering at the hands of a long-term substance abuse disorder are rarely in the position to write a check for the full amount of inpatient medical detox and residential treatment. Fortunately, there are many other options available. Give our Treatment Advisors a call today and they will help you determine which option is best-suited for you and your individualized needs.
If you have friends or family members who are in good financial standing and who are supportive of your recovery, you may be able to negotiate a zero-interest, private loan. However, it is important to note that active addiction often strips individuals of their ability to be trusted, especially when it comes to finances. However, if this is your first time in treatment or if you are surrounded by loved ones who avidly support you seeking quality clinical care, it probably would not hurt to ask.
You might also look into seeking a private medical loan from your bank or from another financial institution. There are numerous financing companies that specialize in behavioral health and addiction treatment loans, recognizing substance use and dependency as serious health-related issues. There are also certain credit card companies that will cover the cost of treatment and offer a reduced-interest plan for necessary medical expenses like addiction treatment. Some credit card companies will even defer interest payments entirely.
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Benefits of Self-Pay
While most major insurance companies are required to cover addiction treatment under the Affordable Care Act (ACA), many will have strict regulations about the type of substance abuse services they cover in full. For this reason, even some clients who are insured will choose to self-pay if they have the means to do so. It is very important that you choose a treatment facility based on your personal needs and clinical requirements rather than based on what your current insurance policy will cover. At CuraWest we believe that your first time in addiction treatment is ideally your last. This is why we offer an unmatched level of comprehensive and highly individualized clinical care. We offer dual diagnosis treatment and trauma-informed care for those who need it; if you have specific, personal needs that your current insurance provider will not cover, self-pay and private pay options are likely ideal.
When you decide to pay for treatment out-of-pocket rather than going through your health insurance company, you will have complete control of the services you are provided.
The Value of Professional Treatment
It can sometimes be difficult for those who are in the throes of active addiction to justify paying for addiction treatment. You may convince yourself that you can overcome your substance use disorder without professional assistance, or that paying for treatment is simply not worth it. Consider what your active addiction has cost you. Not only the money you consistently spend on your substance of choice, but a growing accumulation of missed opportunities, broken interpersonal relationships and days spent in bed wishing you felt a little stronger and a little less helpless. At CuraWest we sincerely believe that the value of treatment outweighs the cost of active addiction.
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Don’t Suffer Any Longer
Once you have come to a point where you begin to acknowledge that professional help is necessary, you have likely lost quite a lot to your addiction. Seeking the addiction treatment you need is about far more than physical stabilization. True recovery is about beginning an entirely new way of life. Treatment is not a futile expenditure — it is a true investment. You are investing in yourself and in your future; a future you might not have otherwise had.
If you have any additional questions regarding self-pay or private pay options, give us a call any time at (888) 693-1794 or submit this form click here. Our Treatment Advisors are standing by to discuss the most beneficial option for you or your loved one. At CuraWest we sincerely believe that quality clinical care should be available to everyone who actively seeks it, regardless of current financial standing. We will work with you to ensure that you are receiving the treatment you both need and deserve.