Finding the Money For Addiction Recovery and Treatment Programs

Finding the Money For Addiction Recovery and Treatment Programs.

Cash, Insurance, & Financing Options Explored

When it comes to addiction recovery and treatment, the problem often lies not only with the addicts, but also with the costs associated with them getting the proper rehabilitation and assistance that they deserve.

Understanding that all addicts have problems with substance abuse, which affects not only their health and overall quality of life, but the very nature of the addiction results in an inability to obtain normal financing or obtain proper insurance against the disease.

Addictions always impact on the relationships with friends and families, with income possibilities from employment opportunities, and the addicts are affected by the lack of proper housing, dangerous lifestyles, and many more problems.

Having available cash is usually not an option for an addict as he has most likely spent everything he had on his addiction.

Being able to borrow from family or friends is nearly impossible for an addict since they usually have lost their credibility or trustworthiness within their circle of friends or especially with family members.

Sadly, when an addict who falls into a lower-income bracket yearns to quit their addiction and get the help that they so desperately need, they find that there are usually few, if any, options for them.

There is a very high cost associated with the majority of beneficial rehab programs. These high-cost rehab programs are geared towards helping addicts get the help that they need in order to quit their addiction in a safe and healthy manor, but the quality programs tend to cost a lot.

Sadly, this high cost leads to the majority of addicts not getting the help that they need, since they are not able to afford the treatment options offered to them.


Insurance & Financing for Addicts

Thankfully, not every treatment option is expensive.

Plus, there are a few different ways for addicts to get the help that they need for a lower associated cost. This is usually in the form of low-cost rehabilitation programs based on government insurance and other financing options.

Some of these government insurance and financing programs are good, while others are not very beneficial to addicts.

The secret to an addict finding low-cost help is for them to do a lot of research, ask a lot of questions, and locate the right program that works for their specific needs and desires. Finding that perfect program that you can afford is lot of work, but it  can be done.

Also, even if a treatment program is very affordable, or even free, it might not be the right program for every addict, since each addict has different needs for their specific tendencies.

And, at the end of the day, the most important thing is that addicts get the  effective and long-lasting help that they need.

There is no reason for anyone to get help with their addiction issues if it’s not going to be beneficial in the long run.

How An Addict Can Find The Right Program That Works For Them

The first step for an addict looking for low-cost and affordable help is for them or one of their loved ones to do a simple Google search online.


By searching online first, a wealth of information will be found in just a few minutes. This not only saves a whole lot of time, but also saves energy, since they will be able to find a lot of helpful information with just a few clicks of a button.

Even better, anyone searching online can get all the relevant information they need anytime of the day or night, which means, addiction treatment resources are always available.

After checking online, the next step is to write down all the programs that are of interest. This list should include treatment programs, along with phone numbers, email addresses, insurance options, and more. In the research, only note programs that  seem to work within not only the addict’s needs and wants, but also, their specified budget.

After conducting various searches and writing out detailed lists, the best thing is for the addict to speak to a live person who can answer all of the questions that they might have.

Once helpful resource is the National SAMHSA Helpline found at

SAMHSA stands for substance abuse and mental health services information, and is a great resource for all types of addicts, and those suffering from mild to serious mental health problems, to find the right treatment options that work for them.

The toll free number for SAMHSA, listed on the website, is 1-800-662-HELP or 1-800-662-4357. This is a confidential information line, and is open 24 hours a day, 7 days a week, and 365 days a year.

Insurance For Addiction – Affordable Care Act

There is no doubt that the majority of mental health and addiction treatment centers are extremely expensive, and also, tend to cater to people that are able to pay a very high premium for services.

With that being said, there are a few government-backed insurance options that cater to lower-income individuals, and are actually relatively good options for addicts getting the help that they so desperately need.

The Affordable Care Act is one such resource, and probably one of the best, for those individuals looking for low-cost addiction treatment. The Affordable Care Act provides mental health and addiction services to those that fall within the lowest-income brackets, and also, to those that require many different types of addiction treatment services.

Through The Affordable Care Act, addicts are able to get the help that they need in the form of psychotherapy services, counseling services, psychiatrist services, in-patient services, outpatient services, and much, much more. And, the best part about The Affordable Care Act is that addicts can receive all of these beneficial services at a cost that they can afford.

Additionally, there are a few private insurance companies out there that cater to lower-income individuals, who are looking for addiction and mental health treatment but these private insurance companies that cater to lower-income individuals are few and far between.


According to American Addiction Centers, the cost of addiction treatment per year averages around $14,600 for each individual receiving state-run residential care.

And, according to the National Institute on Drug Abuse, there are more than 14,500 specialized treatment facilities for drug addiction in the United States alone.

Treatment options for addicts can get very elusive, especially if those addicts fall within a lower-income bracket.

Here is a list of the best Affordable Care Act resources online:

The US Department Of Health And Human Services




Internal Revenue Service


State Health Insurance Assistance Program


The National Committee For Selecting A Plan


Private Insurance vs. Public Insurance

According to Rehabs, addicts who are looking for rehabilitation treatment can utilize either private insurance or public insurance.

Public Insurance: This type of insurance is often referred to as government insurance, and is helpful for addicts that fall within a lower-income bracket.

Public insurance makes inpatient and outpatient care obtainable, which is why it is so popular with low income addicts that can’t spend a lot of money.

It is generally hard to predict how much treatment will cost addicts under public insurance plans, since each rehabilitation center is different.

It’s important that each interested party check with the individual rehab facility in question, as to inquire about what they specifically require in terms of payment and insurance coverage.

Another option for lower-income individuals looking for low-cost treatment, that also falls under public insurance plans, are non-profit facilities. Non-profit treatment facilities are generally not very expensive.

And, the best part about non-profit treatment facilities is that they usually offer payment plans and minimal cost plans to those looking for addiction treatment.

Private Insurance: This is probably the most beneficial type of insurance out there, but unfortunately, also the most expensive.

With private insurance, addicts are able to choose the type of rehabilitation facility that they want to go to from a large array of high-quality options, as well as choose the type of care that they need, in order to get the best addiction treatment possible.

Private insurance includes plans offered by an employer or place of employment, as well as private individuals paying for their plans completely out-of-pocket.

Another great feature of private insurance plans is that many often cover holistic treatment approaches such as yoga, acupuncture, and herbal treatments.

These holistic treatment approaches are not only a unique approach to addiction treatment, but tend to be an effective way to help addicts fight their addiction peacefully, because they don’t utilize any harmful medications to quell addiction, or require any long hospital stays.

Unfortunately, holistic treatment approaches are generally not covered under public insurance plans, but only under private insurance plans.

Rehabilitation Programs

While each addict is different, and each rehabilitation facility varies from one to another, most all rehab programs tend to have quite a few similarities and follow certain standard guidelines.

First of all, the majority of rehabilitation programs tend to be 30 days long. For those looking for a longer treatment program, many rehab facilities also offer 60-day and 90-day programs.

Since each different rehab program caters to each individual addict, the programs differ somewhat, depending on what facility an addict goes to, and what addiction they are getting treatment for, but most all rehab facilities involve three main parts.

These three main parts include the detox program, substance abuse therapy, and an aftercare program.

Starting with the detox program, this first part of the rehabilitation process is meant to rid the body of all addictive substances (i.e. drugs and alcohol).

There is no doubt that this first step is a very important part of the rehab programs, but can be difficult at times. Detox is not handled well and sometimes, harsh side effects can arise during this process, which can be frightening and dangerous to the say the least.

The detox part of rehab is vital, and it is also important that a medical professional be supervising the addict at all times during the detox process, as it can be a potentially dangerous part of addiction treatment.

The next part of many rehabilitation programs is the substance abuse therapy portion, which consists of behavioral interventions that address the underlying causes of each addiction. This part of the rehabilitation process occurs after the detox has been completed.

During substance abuse therapy, addicts learn how to avoid addiction “triggers” and develop healthy strategies for avoiding potentially dangerous and addictive situations. After the substance abuse portion has been completed, the last part of most rehabilitation programs is the aftercare portion.

Aftercare can include group therapy, support groups, sober living arrangements, and more.

At the end of the day, the main issue surrounding addiction treatment is that the treatment is not only dependent on the addict stopping their addictive tendencies in the moment, but making sure that they do not return to their addictive tendencies ever, especially, once they have detoxed and been through addiction therapy.

This is one reason why the aftercare portion of the rehabilitation program is so important, and really, ongoing.

The truth is that addiction treatment never really ends for addicts, since they should be working on their sobriety day in and day out, for the rest of their entire lives.

All Addicts Deserve Treatment In Order To “Kick” Their Addiction To The Curb


The purpose of addiction recovery and treatment is to help addicts stop their addiction dead in its tracks. This takes a tremendous amount of time, energy, and effort, and is difficult, not only on the addicts themselves, but on the treatment professionals as well.

The entire process of addiction treatment is a valuable and worthwhile investment in someone’s life. No matter the level, status, or ability to pay, it’s important since everyone’s life is precious, no matter what.

For addicts who fall into an lower-income bracket, they deserve treatment just as much as an addict who falls into a higher-income bracket.

This is why it is important for all addicts, no matter what their income level is, to get the help that they so desperately need in order to live a healthy, thriving, and vital life.

At the end of the day, it’s important for treatment centers to help addicts in any way that they can, regardless of cost or how much money an addict has to spend on treatments.

It’s also up to us as a society to stand up and help addicts as much as our abilities will allow.

Getting Help

One of the smartest things you can do, in your search for a recovery and treatment program, is talk to a professional who has experience in financial options that are available to recovering addicts.

If you, a friend, or a loved one has addiction problems and need help finding financing, you can get in touch with the Hotline at our Recovery Center and discuss the problem and possible solutions with our trained staff.

The staff at Chateau Recovery is extraordinarily experienced with insurance and financing options and will always be available to help you with your questions regarding addiction recovery and treatment.  Call anytime.

Chateau Recovery Center 375 Rainbow Lane

Midway, UT 84049, USA Phone: +1 435-654-1082

Please call our toll-free helpline which is open 24 hours a day, seven days a week and is staffed by experienced and caring professionals who can answer your questions and help you navigate through the process of evaluating and securing a treatment program.

If you or someone you love has questions concerning the rehabilitation process, call our free helpline Phone: +1 888-971-2986 for more information. Calls are always confidential, private, and secure.