Are you looking out for inpatient drug rehab in NJ but without insurance? Well, you are not alone! 13% of the people who entered into addiction rehabs in New Jersey had no insurance at all. There are many ways to support yourself for addiction treatment, and no one should be left out of a minor inconvenience. This blog explains different payment options, addiction treatment programs, and challenges in the way of finding a perfect addiction rehab!
ChoicePoint inpatient drug rehab in New Jersey provides same-day treatment plans for all sorts of substance use disorders. Call Now 844.445.2565 to book your appointment!
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Challenges of Finding Inpatient Drug Rehab NJ for Addiction Treatment Without Insurance
Finding the proper addiction treatment is a daunting process that could be hampered by various challenges, such as:
- Addiction often leads to job loss, criminal conviction, bankruptcy, or other problems that directly impede accessibility to insurance and, thus, inpatient addiction treatment
- Lack of insurance makes it a priority not to get the perfect treatment for substance use disorders, as 1 out of 5 people leave it due to inadequate insurance.
- Social stigma and pressure around a person make them fearful of inpatient drug rehab as they believe society will permanently tag them as a drug addict.
- Treatment duration often scares individuals as they have no insurance. They believe that it will be expensive and disturb their financial status.
- Admission and documentation hurdles without insurance make the inpatient process confusing and lengthy, challenging a person in the way of sobriety.
- Qualifying life events such as marriage, divorce, pregnancy, and change in address also come in the way of getting inpatient addiction treatment, leading to loss of insurance.
- Co-occurring disorders such as mental illness and substance use disorder make it a hefty sum of amount for addiction treatment when it’s without insurance.
However, there are still other ways a person can get flawless inpatient drug rehab in NJ, even without insurance, but with a bit of knowledge of options and professional guidance 844.445.2565.
Samantha Says: 3 out of 5 of my patients with no insurance feared the expensive treatment costs. We had to go through additional therapies to ensure that cost was not their concern throughout the treatment.
Samantha Says: 3 out of 5 of my patients with no insurance feared the expensive treatment costs. We had to go through additional therapies to ensure that cost was not their concern throughout the treatment.
How to Get Into Inpatient Drug Rehab Without Insurance
Getting drug addiction treatment is hard when someone has no insurance because most rehabs work with insurance companies to keep the system running smoothly. Fortunately, there are many ways a person can fund their treatment without any fuss, such as:
Personal Expense: A Quick and Easy Way
The most convenient and fastest way to opt for inpatient drug rehab in NJ without insurance is to pay from your expense or funding. It might be difficult or expensive, but it does the job for someone struggling to find quick and easy treatment without the fuss of paperwork or delays.
Friends & Family Support: Borrowing for Sobriety
Friends and family members can be an excellent option to borrow money for addiction treatment only when they fully support one’s recovery. But this is not always the case. Most of the addiction comes with bad friends, company, or torn familial relations. That is why inpatient drug rehab in NJ provides family and group counseling to recover those relations and improve sobriety, but the payment issue may hamper it.
Financing: Treatment Repayment Option
Financing is an option for those who find themselves in the middle of treatment to avoid fatal withdrawal symptoms. Financing can be obtained from banks through credit or financing unions. They pay the total amount of your treatment and decide the repayment later on with interest. However, financing can be burdensome due to high interest rates from 4% to variable percentages depending on loan plans and the fear of paying it on time due to fines.
Government Grants and Scholarships
Some governments, including NJ state, foundations, and non-profit organizations, provide grants and scholarships for those struggling to quit drugs. These aids are aimed at curbing the national addiction crisis and often come from time to time. A lot of luck is involved in achieving such grants, and one needs to keep track of rehab centers to avail of them 844.445.2565.
State-Funded Plans: Enjoying the Perks of NJ
People in NJ with low-income options or needing more on their plates can benefit from the state-funded programs for addiction treatment. There is a process of providing residency, income, and credentials proofs for individuals seeking this payment option.
Moreover, there is a complexity in finding rehabs that offer state-funding options as they need to be in-network providers with the state.
Sliding Scale: Seek Personalized Treatment Plan
Addiction affects everyone differently, and treatment costs vary. One way to get into inpatient drug rehab in NJ without insurance is to ask for personalized treatment, curbing treatment costs. For example, students, expecting mothers, LGBT, or criminal justice require different rehab modules. So, opting for customized treatment or just going with the life-saving essentials can curb the rehab cost to make it affordable.
Medicare and Medicaid: Federal-Funded Plan
If someone is above 65 and struggles with disability and addiction, they can get help from a federal medicare funding program. However, the circumstances could differ according to the states and the rehab that provides such services.
Medicaid is another federally funded program for those who have low incomes. However, one drawback is that not all facilities provide Medicaid coverage, and even if they do, they might not cover the treatment entirely.
Tricare: Veteran Seeking Drug Rehab
People who are active or retired military personnel, along with their families, have the fantastic benefit of opting into drug rehab in NJ with Tricare cover insurance. However, there is a lengthy documentation process, and not all facilities provide such insurance, but ChoicePoint does!
Crowd Funding: Let the World Help You
Nowadays, a new crowdfunding trend on online platforms such as social media and other websites, i.e., GoFundMe, allows people struggling with financial crises or hurdles in addiction treatment to get help from online peer fellows. However, it can be difficult for shy people or increasing scams in the online world.
Affordable Addiction Treatment Programs at Inpatient Drug Rehab NJ
Even if someone misses out on having insurance, it does not imply that they should not seek addiction treatment for a better life. One can always seek individual treatment programs even if they are lacking funds. A typical rehab offers the following treatment programs that are more than enough:
Dual Diagnosis: Dealing Addiction and Mental Illness
Drug addiction can be a fuss when it co-occurs with mental illness such as
- PTSD
- Anxiety and Depression
- Substance use disorder, i.e., alcohol, opioids, cocaine, benzodiazepines, heroin etc
Such ailments complicate the treatment even more when someone is out of insurance or struggling to pay. However, inpatient drug rehab in NJ will have a dual diagnosis treatment program that covers these issues comprehensively without going into different facilities for both disorder treatments!
Medical-Assisted Detox: First Step of Recovery
Are you out of insurance and funds but tired of addiction and want to start your recovery? Detox is the first and foremost step towards sobriety. To diminish the cost, one may begin with at least a detox that would cover all drug withdrawal symptoms and provide assistance from FDA-approved medications such as
- Buprenorphine (Subutex) for opioid addiction
- Naltrexone (Vivitrol) for opioid dependence and alcohol addiction
- Suboxone for opioids and withdrawal symptoms from drug addiction
Medical detox can be an excellent opportunity for people struggling to pay out but wanting to get sober. Experts will be able to assist the initial recovery and provide a safe passage from drug withdrawal.
Psychotherapy: Maintaining Sobriety and Preventing Relapse
Addiction can only be entirely eradicated when underlying mental illness and social aspects are covered. In that case, psychotherapy is the best option that includes psychiatrist-oriented behavioral therapies such as:
- Cognitive-Behavioral Therapy (CBT) works for the betterment of negative behavior and skill development to avoid drug use
- Dialectical Behavior Therapy (DBT) normalizes aggravated emotions leading to drug misuse
Payment can be a big problem in dealing with such therapy sessions, but one can easily manage by curtailing personalized sessions to curb the cost.
Consider ChoicePoint for Inpatient Drug Rehab NJ Without Insurance
ChoicePoint inpatient drug rehab in NJ solves your no-insurance issue with varied payment plans. We know the importance of recovery regardless of insurance. Our DEA-certified experts will cater to your needs to achieve complete sobriety without inconvenience. Call Now 844.445.2565 to discuss your treatment and payment options with our 24/7 virtual expert!
Questions About Inpatient Drug Rehab NJ
You might be wonderings some queries about inpatient drug rehab in NJ with no insurance, such as:
Do Medicare and Medicaid Cover Drug & Alcohol Rehab?
Yes! According to the Affordable Care Act, the government has made it mandatory to completely cover the insurance fund for substance use treatment and behavioral treatment in drug and alcohol rehabs.
Where to Get Help for Drug Addiction Near Me?
There are some steps to get help:
- Look into online directories for addiction rehabs
- Find out the good rated reviews on Google for rehab
- Look out for the addiction treatment programs best suitable for you
- Call 844.445.2565 to discuss your options and appointment
- Start your recovery journey!
How Much Does Inpatient Drug Rehab Cost?
Inpatient addiction treatment cost is not one size fits all. It depends on several factors, such as:
- Type of addiction
- Co-occurring disorder
- Severity of addiction
- Recovery performance
However, the average cost of drug rehab in New Jersey is $56,570. But one can quickly lower it with personalized treatment or varied funding options.
How Long Is Inpatient Drug Rehab?
A typical inpatient drug rehab can last anywhere from 30 days to 90 days and can extend beyond that in severe cases. However, Its duration depends on a person’s addiction severity and recovery performance, and it may increase or decrease accordingly.
What Is the Role of Inpatient Rehabilitation?
Inpatient rehab is the highest level of care, aiming to cover all aspects of addiction. It does so by improving and restoring impaired physical and psychosocial functioning to help one live life to the fullest.
Does TRICARE Cover Inpatient Rehab?
Yes! ACA has mentioned that all of the state-funded insurance programs must cover all of the substance use disorder treatment, including inpatient rehab. However, there
Medical Disclaimer:
ChoicePoint aims to improve the quality of life for people struggling with substance use disorder and mental health issues. Our team of licensed medical professionals research, edit and review the content before publishing. However, this information is not intended to be a substitute for professional medical advice, diagnosis, or treatment. For medical advice please consult your physicians or ChoicePoint's qualified staff.