Drug Rehab - No Insurance? Learn Your Free Rehab Options

Few of us ever plan on needing drug or alcohol rehab, and unfortunately, some of end up needing it without the insurance coverage to pay for it.

With a month's stay at a private rehab running as much as 000 or more, few of us have the savings to self finance a stay at rehab; and unfortunately a lot of us have jobs and homes and families, and although we are in need of assistance, we also do not qualify for state of federal treatment funded aid.

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Too poor to pay for rehab, and too rich to qualify for governmentally funded treatment; truly stuck between a rock and a hard place.

You may have heard about more affordable programs, but a Google search doesn't seem to help much, and where can you go to learn more about the options available to you?

There are options

Thankfully, there are more than 2000 free or very affordable drug and alcohol rehabs in operation coast to coast. These non profit or charity programs do not base entry on your financial situation, but on your need for help. You can find a program that's going to help you.

Private Rehabs with "low Income" Beds

A lot of private facilities will reserve a certain number of treatment beds for those in need of subsidized care. Treatment is unlikely to be free, but the fees are generally based on your income, family size and ability to pay for care, and can be quite affordable.

Because you will receive the same treatment as others in the program who may have paid tens of thousands of dollars, this can be an exceptional situation and you can expect a very high level of care, service and accommodation.

General Non Profit Rehabs

There are hundreds of treatment facilities in America that exist to serve lower income and uninsured participants. These non profit entities offer comprehensive therapy and often in very pleasant environments. While treatment is rarely free, most programs will not turn away those in need, regardless of their ability to pay for services.

The Salvation Army and Gospel Missions

Sometimes overlooked, these programs do not offer luxury, in fact the lodgings tend to be quite Spartan, but for those with nowhere else to turn, either of these organizations offer sanctuary, treatment and hope. Programs tend to be long term, free of charge, and open to all willing to participate in a Faith based program of recovery.

Recovery Housing

Another often overlooked therapeutic environment is sober living housing. A sober living house does not offer the therapeutic intensity of a drug rehab, but they can be very inexpensive, and will offer long term sober residence and a safe and supportive environment for recovery. Most will require that you work and attend AA meetings during your period of residency.

The unfortunate reality is that although a great many facilities do exist, they can be very tough to find. Thankfully though, there are options, and you just need to find them.

You can get better!

Drug Rehab - No Insurance? Learn Your Free Rehab Options

Find an affordable or free drug rehab near you:

http://www.choosehelp.com/ebooks/the-complete-guide-to-affordable-drug-alcohol-rehab

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CNA Liability Insurance

In the medical field, liability insurance for CNA's is simply protection from malpractice. Not all places of employment offer this type of insurance, but there are many that are now beginning to offer it. There are even some nurse's and staff members that are buying their own types of insurance to protect themselves in the case of a bad situation should arise.

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There are some employers that offer CNA insurance but there are also certain limitations and restrictions to it. There may also be policies that are not as wide and are somewhat limited. For instance, if you work for a private duty nursing agency, you may not be covered and this also applies to anything that happens while you are off duty. Additionally, there are some cases that the insurance you get or are looking into may not be able to transfer once you begin working in a different facility or hospital. These are all different situations that can play into the main reason there are many lawsuits against nurse's and other staff. This is the primary reason there are many people investing in getting insurance to protect them from liability.

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There are several different types of insurance that is offered, and for businesses, you can even offer it to your employees to help them remain protected. If you have an insurance policy, as a CNA or a HHA, you are going to be protected from malpractice accusations from patients or other co-workers. If you are working for a facility and all of a sudden it closes, there is still a chance you could be accused of something you didn't do. Having this liability insurance can protect you. If you are wondering the importance of it, it can help protect you from being sued from a company or even a patient and their family.

You can find that some nursing facilities will offer policies in various ranges and some even offer policies that range in the millions of dollars. There are certain aspects that make these types of policies so desirable. One of the biggest aspects and features s the ability to remain protected. You are going to be protected and covered by insurance for anything that may happen outside of work as well in regards to a patient. You can also find that many policies offer personal protection. This is going to keep you safe from anything that has to do with slander, assault, and libel that may arise from being in the nursing field.

There are additionally payments that are offered for injuries that happen while on the click at work or that may occur while being in a clinic or healthcare facility of a patient. These amounts can reach as high as in the thousands.

Along with liability CNA insurance, there are others as well including the ability for this insurance to be offered 24/7. This helps to ensure that you are going to be protected after office hours, and you can also find representation if you are caught in a situation that is taken further. There is also liability insurance that is offered to traveling nurses that travel overseas.

CNA Liability Insurance

For more great information about CNA training & certification we have a range of great tools and resources on our website http://certifiednursesassistantcenter.com so visit us today.

CNA

Life Insurance and Medicaid Eligibility

In order to qualify for Medicaid coverage of your nursing home stay, your assets cannot exceed ,000 if you are single, or 1,540 if you are married. However, not all of your assets are "countable" for these purposes. The biggest exemptions are your home, your car, and your personal property.

Another exemption is life insurance owned by you. The rule states that only the "cash surrender value" of a life insurance policy is countable, but only if the total face value of all life insurance policies on your life exceeds ,500. ("Cash surrender value" is the amount the life insurance company will send you if you canceled the policy. It's also known as the "cash value." The "face value" is what the company would pay out to your beneficiaries if you died, assuming the policy was still in effect.)

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So if you have a ,000 policy with cash value of 0, you can keep it and it will not count towards your ,000/1,540 limit.

What if you have a term policy with a face value of 0,000? It's completely exempt since a term policy by definition has no cash value. Of course, you (or another family member) have to pay the premium each year to keep it in force.

What should you do with existing policies? If you have an existing policy and your health is not good, you may decide to keep the policy rather than cancel it. After all, you may be uninsurable, and if you keep the policy in force, your family members could benefit from the proceeds upon your death.

Assuming the total face values exceed ,500 and your countable assets put you over the limit to qualify for Medicaid, it could be a good idea to have your children purchase the policy from you and keep it in effect (by paying the annual premiums). You see, it's not who is insured or who is the beneficiary that matters---it's who is the owner of the policy. The reasoning for this Medicaid rule is that the owner could simply cash in the policy at any time, and thus it is counted the same as if you already did so. But if your child is the owner, you have no ability to cash in or cancel the policy, so it would no longer count against you.

Another option is to assign the policy to a child, as a gift. This will cause a penalty period so in many cases this is not the best solution. However, as part of an overall plan that includes other gifting, it could make sense.

Recently, some companies have advertised single pay, non-cancelable, no cash value "life insurance." The idea behind these policies is that if there is no cash value, the policy cannot count against you. They are set up with minimal underwriting (i.e., virtually everyone is guaranteed to qualify to buy one), and the beneficiaries are usually the children.

The problem is that if you purchase an asset over which you have no control---you cannot cancel it, cannot get your money back, cannot even change the terms or the beneficiaries---the Medicaid agency may well deem this to be a gift. If that's the case, you have not accomplished what you thought you had, i.e., converting cash to a non-countable form, so that you did not have to make a gift of the cash. Accordingly, I advise my clients to stay away from this type of product unless and until it has been proven to be effective as advertised.

Life Insurance and Medicaid Eligibility

© 2007 by K. Gabriel Heiser

Attorney K. Gabriel Heiser has devoted his legal practice to Medicaid planning, elder law, and estate planning for the last 23 years.
NOTE: For more information on this topic and other Medicaid planning techniques, see http://www.MedicaidSecrets.com, which describes an exciting new 256-page book written by attorney Heiser, "How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets." You don't have to go broke to get Medicaid to pay your nursing home bills, you just have to know the rules and planning techniques. For the first time ever, you can learn the inside secrets of high-priced estate planning and elder law attorneys, in attorney Heiser's new book.

CNA CLASSES IN RI