The last thing you need when trying to beat an addiction is to lose your job. Unfortunately, it has happened to many people who are dealing with substance abuse. In some cases, losing their source of income is the wake-up call some need to get clean or sober.

Regardless of how it happened, losing your job is overwhelming and anxiety-inducing. If you’ve been thinking about going to rehab, losing your employer-sponsored health insurance can jeopardize those plans.

The good news is there are ways to get the help you need to overcome addiction, even without the benefit of a job-based health insurance package.

Paying for Rehab After Losing Your Job

The first thing to do once you’ve decided on going to rehab after losing your job is to familiarize yourself with the available treatment options. Depending on the type and severity of your addiction, you may need to go into a partial hospitalization program, an intensive outpatient program, or an outpatient program. Determining which rehab treatment option suits you helps you narrow down your search, making it easier to estimate how much your treatment will cost.

Once you have the estimates, it’s time to figure out how to raise the cash without insurance from your employer. Here are some options to consider:

  • Medicaid or Medicare. Both of these are state-funded insurance plans that can help you meet the costs of rehab treatment. Medicaid covers low-income individuals while Medicare covers those who are 65 and above or those with disabilities. Both forms of insurance have limitations so ensure you’re familiar with these beforehand.
  • COBRA insurance. It stands for the Consolidated Omnibus Budget Reconciliation Act. This allows you and your dependents to continue with the health insurance plan you had under your employer for a limited time after losing your job.
  • Flexible payment plans from the facility. Rehab treatment facilities often have mechanisms in place to help their clients meet the cost of treatment. Some facilities offer loans while others allow clients to pay for their treatment in installments. Talk to your rehab facility and see how they can help.
  • Help from friends and family. Asking for help isn’t easy but chances are your loved ones will be glad to participate in your recovery journey. This may be through attending family therapy sessions or contributing to your treatment kitty. You’ll never know until you ask.

Contact Evolve Indy Today

At Evolve Indy, a trusted substance abuse treatment facility in Indiana, we’re committed to getting rehab treatment to as many people as possible. That’s why we provide various payment plans for our clients.

Don’t let a lack of employer health insurance stop you from living a clean, sober life. Contact us today and one of our treatment specialists will guide you through the available payment options. Go ahead and give us a call or book a free consultation through the form on our website.

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