Intensive Outpatient – Worth the Investment
At Guardian Intensive Outpatient (IOP) we completely understand that committing to addiction treatment is a huge investment. But continuously putting off your recovery is not something that you can afford to keep doing. Addiction is a progressive, relapsing brain disease, meaning that symptoms will continuously get worse the longer they are left untreated. Symptoms of addiction will never resolve on their own. If you have been struggling with substance abuse or dependency, and you have attempted to quit only to find yourself unable to do so for any extended length of time, seeking professional help will be necessary. The sooner you commit to receiving the treatment you need, the sooner you will be able to go on and lead the happy, fulfilled and substance-free life you deserve. At Guardian IOP, our top priority and personal commitment is helping you get the treatment you need as quickly as possible. We will work closely alongside you and your family members to determine which payment option is the most suitable for your personalized needs. We offer a variety of payment options, from private pay options to insurance coverage and payment plans for those who may need them.
If you are in need of outpatient treatment, it is absolutely crucial that you do not continue to put off seeking the treatment you need. No matter what your current circumstances, we at Guardian IOP are available to help in any and every way that we can.
Will Insurance Cover IOP?
One of the most common financial concerns we come across is whether or not insurance companies will cover our intensive outpatient program. Guardian Recovery Network works closely with many major insurance providers, and in most cases insurance will cover the full cost of treatment. If not, your insurance provider may cover part of the cost. If you are unsure what your provider will cover, our team of admissions counselors will provide you with a free, no obligation insurance check. Once you give us a call and let us know which provider you are associated with, we will take it from there. We also understand that it can be difficult to keep up with health insurance while battling an active addiction. Addiction is an all-consuming disease, and personal obligations and important monthly expenses often fall to the wayside. If you are uninsured or underinsured, we offer a wide variety of additional options that might be more viable. These include self-pay and private pay options. Even if you are currently insured, you might opt for a private pay option for a number of reasons.
Private Pay Options
There are a number of private pay options available. You may be able to negotiate a medical loan with your bank or with another financial institution. This is an ideal option for individuals who have not yet lost a great amount at the hands of addiction; who still have good financial standing and a reasonable credit score. There are many benefits when it comes to medical loans, but there can also be downsides. Medical loans might require a great deal of interest, and they could take awhile to clear, meaning that treatment might not be accessible as quickly as it would be otherwise. Some credit card companies offer low or no interest options when it comes to medical expenses. There are other credit cards that are designed specifically to cover medical expenses. These cards can be a good option if you are able to pay off expenses over time.
Another option is seeking a private loan from a financially capable loved one, such as a close relative or friend. It is important to consider before doing so that if you previously borrowed money to support your habit, your loved ones might be more skeptical of your intentions. If you did not do significant damage to your interpersonal relationships while active in your addiction, negotiating a personal loan is an extremely good option. Not only will the funds be available immediately so that you can enter into outpatient treatment as soon as possible, but there will typically not be any expected interest over time.
What If I Can’t Afford IOP?
At Guardian IOP we sincerely believe that intensive outpatient treatment services should be available to all those who need them, regardless of financial capability. We are dedicated to making sure that you receive the quality care you need – your well-being is our number one priority. For this reason, we also offer an in-depth pre-assessment before accepting you into our specific program. If we believe that Guardian IOP is not the best fit for you and you would benefit more from a higher level of care or a different recovery program, we will point you in the right direction. If we believe our program is an ideal fit, we will do everything we can to make sure you are admitted as quickly as possible.
Additional Payment Options
If you are concerned about self-pay and you are currently uninsured, there are other options available. We never want you to be concerned about how you will cover the value – we know that committing to recovery can be overwhelming enough in and of itself.
We offer the following payment options to those who qualify for additional assistance:
Sliding Scale Payment Options
Depending on your current financial circumstances, we will offer sliding scale payment options. Sliding scale payment options were designed to offset the value of treatment for those who might have lower incomes, who have experienced significant financial hardships or who are in need of urgent professional care and cannot currently afford the care they need. Low income patients often qualify to pay less on a sliding scale. For more information, give us a call today.
Guardian Recovery Network provides partial scholarships to those in need. If self-pay is not possible – even if it is partially possible, but you cannot cover the full value out-of-pocket – you may be eligible for a scholarship. In most cases, these scholarships are generously provided by members of our alumni group – men and women who have been where you are, and who now lead fulfilled lives thanks to long-term recovery (which ultimately allows them to give back).
Interest-Free Loans and Zero-Interest Financing
At Guardian IOP we work closely with several lending companies, who can potentially provide you with interest-free financing options if need be. Give our admissions counselors a call to discuss options and to see whether or not you qualify.
Guardian IOP has a relationship with M-Lend Financial that may be able to help cover the cost of treatment for clients who are uninsured or under-insured. Clients and their families may be able to obtain interest-free financing for one year or low-interest fixed rate financing for two years (eligibility for either is determined by the lending company). Speak with one of our admissions team members about how to set up a consultation.
No matter what situation you are currently in, we are dedicated to helping you get the professional, quality care you both need and deserve. Self-pay and private pay options are often ideal for a number of reasons. If you have the ability to self-pay for addiction treatment, you will have access to care as soon as you make the decision to admit yourself. Other payment options might delay the process – however, regardless of your payment needs and financial ability, we will work to ensure that you receive the care you need as soon as you need it. To learn more about our no obligation insurance checks and to speak with one of our experienced financial advisors, give us a call today. We look forward to speaking with you soon and getting you started on your own personal journey as quickly as possible.