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How to Get Into Rehab if You Don’t Have Insurance

How to Get Into Rehab if You Don’t Have Insurance

Long term addiction can cause you serious problems; more than just the obvious health issues, an inability to work may leave you in a difficult financial position, and you may not have health insurance or any funding to allow you to pay for the rehabilitation program you need to recover.

However, there are solutions, and not having health insurance does not mean that you will not get into rehab. There are a number of possible options to finance a rehab program.

Why is rehab important?

You may feel that you don’t need rehab, and that you can quit drugs at any time without assistance; sadly, this is all too often the case. The way that drugs change your body through addiction will often take away you control, leaving you unable to quit without assistance.

Effectively recovering from drug or alcohol abuse will require professional support, not just for the physical effects of the addiction, but also the psychological issues.

You may feel that you have the strength to give up drugs alone by going ‘cold turkey’ and just stopping taking drugs; however, scientific research has shown this may make your addictions worse. In experiments it was found the addictive drive was stronger after a period of abstinence alone.[1]

What does rehab cost?

There is no one set price for treatment, and the costs vary greatly according to the type of treatment and the provider. However, the following will give you an idea of what the costs could be if you were not covered by insurance.[2]

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Type of Treatment Cost
Residential Treatment: Staying onsite at a specialized facility. Treatment may include one-on-one psychotherapy, group therapy, 12-step meetings, medication therapy, and other holistic approaches like yoga and mindfulness. $0 – $80,000 per month
Outpatient Treatment: Outpatient centers offer the same types of treatment as residential programs; however, as you don’t stay overnight, you can more easily continue to work or attend school while still fulfilling your treatment plan. c. $2,000 per month
Sober Living Homes: Previously known as Halfway-houses. These are live-in, drug-free living environments that offer peer support for recovery and long-term sobriety. $450 – $10,000 per month
Cognitive Behavioral Therapy (CBT): A common psychotherapeutic treatment for a variety of mental illnesses, including anxiety and mood disorders, as well as addiction. CBT focuses on questioning and changing negative and unproductive thoughts and beliefs in order to stop the triggers, behavior, and underlying emotions that contribute to mental illness and addiction. $100 per hour

c. $400 – $800 per month

Family And Couples Therapy: Sometimes called multidimensional family therapy, or MDFT, it is structured so that every member of the family has a voice. With the guidance of a professional therapist, the goal is to improve the interworking of each family’s relationships and their home life. $75 – 200 per hour

c. $300 – $1,600 per month

Drug Therapy: Medication can be used to help ease symptoms of withdrawal, and to prevent cravings that can lead to relapse. $21 – $1,000 per month

Possible options for funding rehab

There are a number of options to allow you to get the funding you need for treatment. One single option may not offer what you need, and you may need to combine more than one route to funding:

  • Loans or finance
  • State-funded treatment
  • Borrow or raise money
  • Grants
  • Medicaid
  • Scholarships

Loans or Finance

You should not give up hope if you are experiencing financial difficulties, or have no insurance. Many rehab providers understand the situation faced by people who have been suffering with addiction, and there are ways in which you can be supported.

Many providers may offer you a loan or finance offer, which will allow you to undergo the rehab you require, safe in the knowledge that you will have an affordable payment plan in the future. Generally, you will not start having to pay until you have completed your rehab.

Some credit card companies will offer deferred interest rate healthcare credit cards specifically for medical related expenses, including substance and mental health treatment. However, most providers will require you to have a good credit score; on average you would need a credit score of at least 640. If you do not have this you may do better to look at other options.

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State-Funded Treatment

Another available option is to use a state-funded treatment center. They are organizations that are funded by the state to support people who require rehab, but who do not have adequate insurance to cover commercial centers.

Funding for state-funded centers is limited, so there is likely to be a waiting list for a treatment program. The waiting time can vary from a month to over a year and a half depending on the state you are in.

However, if you can wait, this is an option for accessing healthcare professionals who can help you to recover.

Borrow or Raise Money

Can you borrow the funds you need from family, or perhaps raise money by selling items you have? You may be reluctant to ask your family for money; however, they may well be willing to help you if you are looking to work on a path towards recovery. Your family could pay all or part of your treatment costs as a gift, or a loan. If you have any savings, you could use these to pay for treatment; again, you may be reluctant, but you are taking a step which will improve your life, and if you recover you will not be spending money on alcohol or drugs.

The other option is to see if you have anything of value you could sell to go towards the cost of treatment. Getting yourself to a better place is a vital thing to do, and you should look for any sacrifices you can make to improve yourself and your life.

Grants

A potential option is to contact the Substance Abuse and Mental Health Services Administration (SAMHSA), which provides grants to help fund your treatment if you cannot pay for your treatment because you have inadequate insurance coverage.

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There are details of the process you need to follow to obtain grants on the SAMHSA website.

Medicaid

Medicaid is a federal government program administered by your state. It provides payment for medical services for people who have low income, or who are unemployed. To qualify, you need to meet the income levels set by the government.

There are a number of rehab centers that will accept Medicaid patients. The funding is paid directly to your provider, and you may be asked pay a small part of the cost of treatment. This co-payment requirement is dependent on state rules.

There are numerous requirements that must be met to be eligible for funding; these may include your age, whether you are pregnant, disabled or blind; your income and any savings you may have or items you could sell to fund treatment is also considered. You are required to be a U.S. citizen or a lawfully admitted immigrant.

If you have a low income and are in one of the eligibility groups, you should apply for Medicaid.

Scholarships

There are some organizations that offer scholarships for people with low incomes. You should contact your chosen rehab provider to see if you are eligible for a scholarship. A number of providers can offer scholarships, and it is worth contacting your providers to see if they can support you, and if you meet their scholarship requirements.

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Low-cost or Free Options

There are also some low-cost, or even free options available to you via a range of organizations, including Alcoholics and Narcotics Anonymous. These offer self-help support groups where there is peer support, often following the 12-Step program.

12 Step Program

A twelve-step program is used to support recovery from addiction or compulsion. It was initially created by Alcoholics Anonymous in their 1939 book, Alcoholics Anonymous: The Story of How More Than One Hundred Men Have Recovered from Alcoholism. The twelve step program has now been adopted by a number of organizations based on the original 12 steps:[3]

  1. We admitted we were powerless over alcohol—that our lives had become unmanageable.
  2. Came to believe a Power greater than ourselves could restore us to sanity.
  3. Made a decision to turn our will and our lives over to the care of God as we understood Him.
  4. Made a searching and fearless moral inventory of ourselves.
  5. Admitted to God, to ourselves, and to another human beings the exact nature of our wrongs.
  6. Were entirely ready to have God remove all these defects of character.
  7. Humbly asked Him to remove our shortcomings.
  8. Made a list of all persons we had harmed, and became willing to make amends to them all.
  9. Made direct amends to such people wherever possible, except when to do so would injure them or others.
  10. Continued to take personal inventory, and when we were wrong, promptly admitted it.
  11. Sought through prayer and meditation to improve our conscious contact with God as we understood Him, praying only for knowledge of His will for us and the power to carry that out.
  12. Having had a spiritual awakening as the result of these steps, we tried to carry this message to alcoholics, and to practice these principles in all our affairs.

Individuals are often supported through the steps by a sponsor, a more experienced person who has gone through the process and can provide peer support.

The 12 step program is a well respected process, however only about 3% of people suffering from alcoholism and attending Alcoholics Anonymous involved in a study found recovery results without relapse from the 12-step programs treatment.[4] However, they can be used alongside or following other treatment to provide a peer network and ongoing support which may prevent future relapse for individuals.

Reference

[1] Professor Moshe Szyf: McGill University and Bar Ilan University
[2] Cost of Treatment: https://www.addiction.com/get-help/loved-one/paying-treatment-for-loved-one/
[3] Bill W. (June 2001). “Chapter 5: How It Works”
[4] Robert B. Cutler “Are alcoholism treatments effective? The Project MATCH data” BMC Public Health

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Last Updated on August 20, 2019

How to Control Your Thoughts and Be the Master of Your Mind

How to Control Your Thoughts and Be the Master of Your Mind

Your mind is the most powerful tool you have for the creation of good in your life, but if not used correctly, can also be the most destructive force in your life.

Your mind, more specifically, your thoughts, affect your perception and therefore, your interpretation of reality. (And here’s Why Your Perception Is Your Reality.)

I have heard that the average person thinks around 70,000 thoughts a day. That’s a lot, especially if they are unproductive, self-abusive and just a general waste of energy.

You can let your thoughts run amok, but why would you? It is your mind, your thoughts; isn’t it time to take your power back? Isn’t it time to take control?

Choose to be the person who is actively, consciously thinking your thoughts. Become the master of your mind.

When you change your thoughts, you will change your feelings as well, and you will also eliminate the triggers that set off those feelings. Both of these outcomes provide you with a greater level of peace in your mind.

I currently have few thoughts that are not of my own choosing or a response from my reprogramming. I am the master of my mind, so now my mind is quite peaceful. Yours can be too!

Who Is Thinking My Thoughts?

Before you can become the master of your mind, you must recognize that you are currently at the mercy of several unwanted “squatters” living in your mind, and they are in charge of your thoughts. If you want to be the boss of them, you must know who they are and what their motivation is, and then you can take charge and evict them.

Here are four of the “squatters” in your head that create the most unhealthy and unproductive thoughts:

1. The Inner Critic

This is your constant abuser who is often a conglomeration of:

  • Other people’s words; many times your parents.
  • Thoughts you have created based on your own or other peoples expectations.
  • Comparing yourself to other people, including those in the media.
  • The things you told yourself as a result of painful experiences such as betrayal and rejection. Your interpretation creates your self-doubt and self-blame, which are most likely undeserved in cases of rejection and betrayal.

The Inner Critic is motivated by pain, low self-esteem, lack of self-acceptance and lack of self-love.

Why else would this person abuse you? And since this person is actually you– why else would you abuse yourself? Why would you let anyone treat you this badly?

2. The Worrier

This person lives in the future; in the world of “what ifs.”

The Worrier is motivated by fear which is often irrational and with no basis for it. Occasionally, this person is motivated by fear that what happened in the past will happen again.

3. The Reactor or Trouble-Maker

This is the one that triggers anger, frustration and pain. These triggers stem from unhealed wounds of the past. Any experience that is even closely related to a past wound will set him off.

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This person can be set off by words or feelings, and can even be set off by sounds and smells.

The Reactor has no real motivation and has poor impulse control and is run by past programming that no longer serves you, if it ever did.

4. The Sleep Depriver

This can be a combination of any number of different squatters including the inner planner, the rehasher, and the ruminator, along with the inner critic and the worrier.

The Sleep Depriver’s motivation can be:

  • As a reaction to silence, which he fights against
  • Taking care of the business you neglected during the day
  • Self-doubt, low self-esteem, insecurity and generalized anxiety
  • As listed above for the inner critic and worrier

How can you control these squatters?

How to Master Your Mind

You are the thinker and the observer of your thoughts. You must pay attention to your thoughts so you can identify “who” is running the show; this will determine which technique you will want to use.

Begin each day with the intention of paying attention to your thoughts and catching yourself when you are thinking undesirable thoughts.

There are two ways to control your thoughts:

  • Technique A – Interrupt and replace them
  • Technique B – Eliminate them altogether

This second option is what is known as peace of mind!

The technique of interrupting and replacing is a means of reprogramming your subconscious mind. Eventually, the replacement thoughts will become the “go to” thoughts in the applicable situations.

Use Technique A with the Inner Critic and Worrier; and Technique B with the Reactor and Sleep Depriver.

For the Inner Critic

When you catch yourself thinking something negative about yourself (calling yourself names, disrespecting yourself, or berating yourself), interrupt it.

You can yell (in your mind), “Stop! No!” or, “Enough! I’m in control now.” Then, whatever your negative thought was about yourself, replace it with an opposite or counter thought or an affirmation that begins with “I am.”

For example, if your thought is, “I’m such a loser,” you can replace it with, “I am a Divine Creation of the Universal Spirit. I am a perfect spiritual being learning to master the human experience. I am a being of energy, light, and matter. I am magnificent, brilliant, and beautiful. I love and approve of myself just as I am.”

You can also have a dialogue with yourself with the intention of discrediting the ‘voice’ that created the thought, if you know whose voice it is:

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“Just because so-and-so said I was a loser doesn’t make it true. It was his or her opinion, not a statement of fact. Or maybe they were joking and I took it seriously because I’m insecure.”

If you recognize that you have recurring self-critical thoughts, you can write out or pre-plan your counter thoughts or affirmation so you can be ready. This is the first squatter you should evict, forcefully, if necessary:

  • They rile up the Worrier.
  • The names you call yourself become triggers when called those names by others, so he also maintains the presence of the Reactor.
  • They are often present when you try to fall asleep so he perpetuates the Sleep Depriver.
  • They are a bully and is verbally and emotionally abusive.
  • They are the destroyer of self-esteem. They convince you that you’re not worthy. They’re a liar! In the interest of your self-worth, get them out!

Eliminate your worst critic and you will also diminish the presence of the other three squatters.

Replace them with your new best friends who support, encourage, and enhance your life. This is a presence you want in your mind.

For the Worrier

Prolonged anxiety is mentally, emotionally and physically unhealthy. It can have long-term health implications.

Fear initiates the fight or flight response, creates worry in the mind and creates anxiety in the body.

You should be able to recognize a “worry thought” immediately by how you feel. The physiological signs that the fight or flight response of fear has kicked in are:

  • Increased heart rate, blood pressure, or surge of adrenaline
  • Shallow breathing or breathlessness
  • Muscles tense

Use the above stated method to interrupt any thought of worry and then replace it. But this time you will replace your thoughts of worry with thoughts of gratitude for the outcome you wish for.

If you believe in a higher power, this is the time to engage with it. Here is an example:

Instead of worrying about my loved ones traveling in bad weather, I say the following (I call it a prayer):

“Thank you great spirit for watching over _______. Thank you for watching over his/her car and keeping it safe, road-worthy, and free of maintenance issues without warning. Thank you for surrounding him/her with only safe, conscientious, and alert drivers. And thank you for keeping him/her safe, conscientious, and alert.”

Smile when you think about it or say it aloud, and phrase it in the present tense; both of these will help you feel it and possibly even start to believe it.

If you can visualize what you are praying for, the visualization will enhance the feeling so you will increase the impact in your vibrational field.

Now take a calming breath, slowly in through your nose, and slowly out through the mouth. Take as many as you like!

Replacing fearful thoughts with gratitude will decrease reactionary behavior, taking the steam out of the Reactor.

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For example:

If your child gets lost in the mall, the typical parental reaction that follows the fearful thoughts when finding them is to yell at them.

“I told you never to leave my sight.” This reaction just adds to the child’s fear level from being lost in the first place. Plus, it also teaches them that mom and/or dad will get mad when he or she makes a mistake, which may make them lie to you or not tell you things in the future.

Change those fearful thoughts when they happen:

“Thank You (your choice of Higher Power) for watching over my child and keeping him safe. Thank you for helping me find him soon.”

Then, when you see your child after this thought process, your only reaction will be gratitude, and that seems like a better alternative for all people involved.

For the Trouble-Maker, Reactor or Over-Reactor

Permanently eliminating this squatter will take a bit more attention and reflection after the fact to identify and heal the causes of the triggers; but until then, you can prevent the Reactor from getting out of control by initiating conscious breathing as soon as you recognize his presence.

The Reactor’s thoughts or feelings activate the fight or flight response just like with the Worrier. The physiological signs of his presence will be the same. With a little attention, you should be able to tell the difference between anxiety, anger, frustration, or pain:

  • Increased heart rate and blood pressure; surge of adrenaline
  • Shallow breathing or breathlessness
  • Muscles tension

I’m sure you’ve heard the suggestion to count to ten when you get angry—well, you can make those ten seconds much more productive if you are breathing consciously during that time.

Conscious breathing is as simple as it sounds; just be conscious of your breathing. Pay attention to the air going in and coming out.

Breathe in through your nose:

  • Feel the air entering your nostrils.
  • Feel your lungs filling and expanding.
  • Focus on your belly rising.

Breathe out through your nose:

  • Feel your lungs emptying.
  • Focus on your belly falling.
  • Feel the air exiting your nostrils.

Do this for as long as you like. Leave the situation if you want. This gives the adrenaline time to normalize.

Now you can address the situation with a calmer, more rational perspective and avoid damaging behavior.

One of the troubles this squatter causes is that it adds to the sleep depriver’s issues. By evicting, or at least controlling the Reactor, you will decrease reactionary behavior, which will decrease the need for the rehashing and ruminating that may keep you from falling asleep.

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Master your mind and stop the Reactor from bringing stress to you and your relationships!

For the Sleep Depriver

(They’re made up of the Inner Planner, the Rehasher and the Ruminator, along with the Inner Critic and the Worrier.)

I was plagued with a very common problem: not being able to turn off my mind at bedtime. This inability prevented me from falling asleep and thus, getting a restful and restorative night’s sleep.

Here’s how I mastered my mind and evicted the Sleep Depriver and all his cronies.

  1. I started by focusing on my breathing—paying attention to the rise and fall of my belly—but that didn’t keep the thoughts out for long. (Actually, I now start with checking my at-rest mouth position to keep me from clenching.)
  2. Then I came up with replacement strategy that eliminated uncontrolled thinking—imagining the word in while breathing in and thinking the word out when breathing out. I would (and do) elongate the word to match the length of my breath.

When I catch myself thinking, I shift back to in, out. With this technique, I am still thinking, sort of, but the wheels are no longer spinning out of control. I am in control of my mind and I choose quiet.

From the first time I tried this method I started to yawn after only a few cycles and am usually asleep within ten minutes.

For really difficult nights, I add an increase of attention by holding my eyes in a looking-up position (Closed, of course!). Sometimes I try to look toward my third eye but that really hurts my eyes.

If you have trouble falling asleep because you can’t shut off your mind, I strongly recommend you try this technique. I still use it every night. You can start sleeping better tonight!

You can also use this technique any time you want to:

  • Fall back to sleep if you wake up too soon.
  • Shut down your thinking.
  • Calm your feelings.
  • Simply focus on the present moment. 

The Bottom Line

Your mind is a tool, and like any other tool, it can be used for constructive purposes or for destructive purposes.

You can allow your mind to be occupied by unwanted, undesirable and destructive tenants, or you can choose desirable tenants like peace, gratitude, compassion, love, and joy.

Your mind can become your best friend, your biggest supporter, and someone you can count on to be there and encourage you. The choice is yours!

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Featured photo credit: Priscilla Du Preez via unsplash.com

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