Is It Time For Drug Rehab?

 

Diagnosis and assessment

Diagnosis begins with you making first call to a Drug rehab clinic. You may have expectations of that call; it will involve an initial intake with you and a follow up intake appointment with rehab administrators and a behavioral healthcare professional. During the intake you need to be honest with what problems you are having and why you think this particular facility can help. They will assess your condition and make recommendations of what they can do for you and create an individualized treatment plan for your success.

Facility qualifications and treatment options

You may be in much distress and not thinking clearly so having someone to help you find a facility that offers many options especially if you need to detox is extremely important. Researching or finding recommendations on the facility can be helpful. Treatment options can include in house detox, in house residency (30 up to 90 days), or outpatient treatment. Outpatient treatment can be a first line of treatment course for you or it may be included as follow up treatment following a short term residency stay.

Program options

Each facility in your area may offer different program options. Individual men and women’s programs are common. There are also special programs that cater to adolescents. A Dual Diagnosis will require a specialized treatment plan the important things is there is treatment available. Many facilities use a 12 step program to help change your way of thinking. There also are Christian based programs that can be very successful for some people as well as holistic and wellness alternatives. The message each of these programs seems to have in common is “the person you are got you into this mess”, you have to make changes to your psyche and surroundings in order make it as a clean and sober person.

Financial Assistance

It is so important not to let money stand between getting the help you need to live a happy, healthy, drug and alcohol free life. There are many financial aid programs available for Drug rehab clinic facilities. There is State and Local funded addiction programs that may differ in each state. Government funding is available through Substance Abuse and Mental Health Services in the form of grants, as well as Medicaid, Medicare, U.S. Department of Veterans Affairs, and the Affordable Care Act. If you have personal health insurance there may be coverage for addiction programs included in your plan. At the time of your intake you can find out assistance available to you. The important thing is that you are reaching out for help; let someone be on the other end that can help you.

Richard Wojcik Says More Families Opting For Funeral/Burial Insurance

Richard Wojcik says families looking for more affordable options for funeral expenses are choosing funeral/burial insurance. Life insurance plans have always been the primary choice when it comes to providing relief and financial security for loved ones, however, with limited funds, funeral insurance have become a good option.

Funeral expenses can spiral, placing a burden on loved ones. Far too often, loved ones realize the true cost of a funeral. And to add to the grief, learning a life insurance policy has lapsed, or will not cover all the essentials add onto the emotional toll. Everything from preparing the body to a memorial service becomes an expensive affair. Wojcik points out how families rarely consider all the expenses of a funeral, until that day comes.

There are three different types of funeral/bural policies:

Burial Insurance: This type of policy has a named beneficiary and that person will apply the death benefits, to the funeral expenses, in any way they deem necessary.

Pre-need Funeral Insurance: Typically, a funeral home will be named and the policy will be paid out to cover the funeral expenses. The policy holder will have already organized, with the funeral home, whether they want cremation or embalming, casket or urn, flowers, burial plot, etc.

Final Expenses: With this policy, a funeral home is not linked and the funds can be used at any funeral home.

Is It Worth It?

At a younger age, it makes sense to purchase a term or whole life insurance policy, because you have more time to spread out payments. However, if you have no responsibilities, like lingering debt, and you’re looking to simply cover the funeral expenses, a funeral policy is a good choice. Funeral life insurance is a policy that can be purchased without a medical examination, which typically appeals to seniors. The plan provides permanent coverage and customers who have health problems can still qualify for a policy. Also, premiums are very affordable, and coverage values are between $ 5,000 and $ 50,000.

According to Forbes magazine, the average cost of a funeral is between $7,000 and $10,000, and this doesn’t include the burial plot. Richard Wojcik says many families are opting for basic, essential services, and from an economic point of view, burial insurance provides an affordable option.

Should You Buy A Funeral Policy?

Richard Wojcik says the need for this type of policy depends on your situation. First, consider your and your family’s financial status. If you do not have any life insurance policy, you have limited funds, and no other way to pay for a funeral, you may want to consider a funeral policy.

It’s also a good way to take control of your funeral and arrange the final expenses to your wishes. Funeral policies can be as low as $5 dollars per month, and according to Wojcik, taking the planning in your own hands can lessen the emotional toll at a time when families need it most.