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Paying to get sober can be overwhelming but doesn’t need to stop you from getting immediate and professional help.
When looking for a room in an accredited centre, the first thing to ask is "how quickly can you take me." With private care, the answer is immediately. Sometimes even the same day. Compared to government (OHIP) funded facilities, the waitlist to get into treatment can range from weeks to months. Beds available through government agencies are limited.
Part of the expense of private rehab is the ability to get quality care immediately when you need it. An accredited private rehab facility also brings every member of your care team under one roof. Detox staff, therapists, and counsellors supporting both clients and their families all work in coordination from day one. Addiction and any co-existing mental health conditions get treated together, giving you a better chance at lasting sobriety.
Many private medical insurance plans cover mental health and addiction treatment at an accredited private rehab facility, either partially or in full. Contact your insurer to verify if they cover "non-provincially funded residential treatment." If you have an employee benefits portal or wellness plan, inquiring about coverage is discreet and confidential. Our team can provide the documentation needed to support your claim.
Some clients look to their current assets as collateral for loans, such as refinancing their mortgage. Banks and credit unions also offer personal loans with competitive interest rates, providing a manageable way to cover the cost of private addiction rehab. Contact your financial institution directly to discuss what options are available to you.
The Canadian Centre for Addictions works with Medicard to help clients access private rehab without paying everything upfront. Medicard pays for treatment directly, so you can secure your bed right away and repay through manageable monthly amounts afterward.
Worrying about cost shouldn't stand between you and getting help. Medicard removes that barrier. It can pre-approve an amount before you even confirm your programme length, so you can choose 30, 45, 60, 75, or 90 days with financing already confirmed and your bed ready.
Submit your application online or call Medicard directly at 1-888-689-9876. You decide how much to finance (the full amount of treatment or just a portion) and what repayment terms fit your needs (from 6 months to 6 years).
Medicard notifies you of the credit decision by phone. Sign and return the required documents along with a void cheque to Medicard.
Medicard sends payment directly to the Canadian Centre for Addictions so you can secure your bed and begin treatment immediately. Your monthly payment is electronically debited from your chequing account.
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Yes, the upfront cost is higher. OHIP-funded care comes with waitlists that can stretch weeks or months, limited programme options, and constrained staffing. A private rehab facility gets you in immediately, with a full clinical team treating addiction and any co-occurring conditions from day one.
Many extended health plans and employee benefits packages cover residential addiction treatment at accredited private centres. Call us at 1-855-499-9446 and our admissions team will help verify your coverage and provide any documentation your insurer requires
Inquiring about your benefits coverage through HR is protected under most workplace wellness policies. Medicard applications are also fully confidential, with no employer involvement at any stage.
Most applicants receive a credit decision within one business day. Once documents are signed and returned, Medicard sends payment directly to us. You can move from application to admission in a matter of days.
Inpatient treatment at an accredited facility may qualify as a medical expense under the CRA's medical expense tax credit. Some of the cost can be partially recovered at tax time. Talk to your accountant about what documentation you will need.
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