According to scientific studies, 1 in every 4 people suffer from behavioral health problem. In fact, going to a rehab after you have been diagnosed with an addiction disorder can give you a run for your money. This is because the facilities that offer behavioral health care charge very high rates. And perhaps that’s why many people continue to suffer in silence. Fortunately, there are strategies you can use to cater for your behavioral health care expenses without hurting your finances. But you have to think outside the box to be able unmask such useful strategies. Here is a list of tips that can help you in paying for behavioral health care.
- Use Personal Medical Insurance
Having a personal medical insurance provides relief from the struggle of having to pay for medical expenses with your hard earned money. In fact, most people that need to be rehabilitated from drugs hardly have any money. But if you were paying your monthly premiums on time before the situation got out of hand, the facility that you will seek treatment from might offer you an exemption. The other advantage is that you can use the same insurance to buy prescription medicine. This is because an addict has to use certain medication from time to time as it helps in cleansing his intoxicated system. You can learn more in this guide from Resolutions Behavioral Health.
- Employer’s Insurance
If are engaged in gainful employment, it’s advisable you take advantage of the insurance cover that’s normally provided by your employer. In fact, the law requires all employers that have full time employees to offer the insurance cover benefits. The advantage here is that you are not required to pay for the premiums with your salary. Since your employer budgets for your unexpected medical expenses, you don’t have an excuse for not tapping into such a resource. After all, the insurance company is paid regardless of whether you go for treatment or not. It’s actually the employer that pays them. And that’s not all. You can visit high end behavioral health facilities without having to spend even a single cent.
- Ask for a Discount
The problem with most people that suffer from behavioral health conditions is that they are usually reluctant in asking for a discount. While majority of the patients regard it as a sign of weakness, it’s actually an act of boldness. But the physician will not give you a discount unless you ask. Bargaining for a discount should be easy especially when you have been visiting the same health facility over and over.
- Join Community Groups
Joining community groups that comprise of people that are suffering from behavioral problems comes with many perks. For a start, you have the backing of people who understand your problem. But most importantly, you enjoy getting behavioral treatment at subsidized rates. In fact, most community based groups are usually served by volunteers. This means you might not even have to pay anything when you are a member of such groups as the expenses are catered for by donors.
- Go to Government Facilities
Although there are just a few government facilities that offer behavioral health care services, they are cheaper than privately owned centers. If you have a problem with standing in long queues for many hours, you should consider going to the facility very early in the morning before the place is crowded. If you don’t have the money you can request to do manual work such as cleaning at the facility during your free time. You only need to make a strong argument and they will gladly accept your offer.