Handling Medical Bills From Rehab
Rehabilitation is a vital and life saving step that helps bring people who are addicted to drugs or alcohol to a place of mental and physical well being. Addiction is a serious and complicated disease and treating addiction can require much medical and psychological attention.
This may well mean that stays in rehab take quite some time and can result in hefty medical bills. If you have recently left rehab and are facing large medical bills that you are unsure how to pay, do not worry. There are plenty of financing options available to you that can help keep your rehab debt manageable.
Talk With the Billing Office At Your Rehab Facility
If you receive a bill that is too high for you to realistically pay, do not allow it to become past due. Contact your treatment center and discuss with them the amount that you can realistically pay right away, and whether they would be open to setting up payments for you.
If you can pay a little more upfront, you may be able to make smaller monthly payments on your bill or even have the total amount that you owe reduced. If you have access at all to cash, see if your treatment center can offer you a lower balance in exchange for paying cash up front. You may also be able to extend the due date of your bill simply by making arrangements with your treatment facility.
Explore the Option of Third Party Financiers
Many companies are devoted to helping finance large medical bills. Many of these companies can offer low monthly payments and interest rates, and often do not charge a fee for early repayment. Many treatment centers have specific companies that they work with and can refer you to a company that is trusted by medical professionals. Talk to the billing office at your treatment center and see if they can advise you as to the best financing company to work with.
If You Have the Option, Take Out a Personal Loan
If you are fortunate enough to have a friend or family who is willing to loan the money for your treatment, consider accepting a personal loan. A personal loan may allow you to lower your total bill by paying cash upfront and will help you save money by avoiding financing charges. Even if you can take out a small personal loan to put against the principal you owe, you will likely save money.
Do Not Avoid Payment or Fail to Contact the Billing Office
Under no circumstance should you let a bill that you have received become past due. If a bill is too high for you to pay right away, the sooner you speak with the billing office, the more likely you will be to have success in finding an option that will make your bill more manageable. Your treatment center wants to make your bill feasible for you to pay and will likely work with you to ensure that you are able to stay current on all invoices. Failing to make proper arrangements could have a disastrous effect on your ability to seek help with your bill payment.
Further, delinquent payments can lead to higher fees and an inability to contest charges which you think may have appeared in error. Delinquent payments can also have a negative impact on your credit, which can take years to rectify. Remember that as you continue to work through sobriety, the staff at your facility wants you to have the resources you need to continue to build a healthy and stable life. Help is there if you need it.