1- First, verify benefits
See if your insurance benefits apply. You can text or email us a copy of the front and back of your insurance card along with the Name and Date of Birth of the applicant. We can then *verify your benefits for you.
*Some insurance companies including United Health Care may request that you the policyholder call in prior to authorize benefits on your behalf. If this be the case if you would call and authorize “CareVoy 50 South State Street La VerkiN UT 84774 (435) 222-7579” to verify benefits on your behalf that would allow us to get all the information we need including deductibles, limits, and other info in order to get approval for your insurance company to authorize payment.
2- Second, While waiting to know the benefit statuses you can apply for the program here.
(Click on the Apply Now Button to the right) To see what program may apply for your needs and so we can begin to look over all the dynamics.
3-Lastly, pull together the finances required.
In most cases, some financial requirement is required by the family or individual. This may be as simple as paying your deductible/Co Pay or you may be required to cover the first and last months of the program cost to enroll.
(Below are a few methods of payment options if the resources are not readily available)
Wouldn’t you agree that mental health is as serious or at times more serious as any physical health or illness one can experience. Imagine one of your family members just found out they had a life-threatening disease and by getting them a specific surgery you could potentially save their life. Depending on your families situation this is often the situation we deal with.
We recommend that you first look at the resources that may be readily available to you which include
- Cash, Savings or Lines of Credit Do you have cash , savings or credit card readily available
- Does your child have an Education Funding Plan or College 529 Plan? With the new government regulations, some of the costs could be deducted pre-tax or from a 529 college savings plan for therapeutic education.
If you can begin thinking of ways to make assets readily available it may benefit you in the long run if you see the need.
- Do you own your home? For those committing to long term care when insurance is not possible you may be able to apply for a low-interest equity loan from your bank. Or you may want to sell your home outright and downsize as well.
- Do you own your car? You may be able to sell one or both of your cars, or buy an older but still reliable car for cash.
- Do you own any jewelry? You may be able to sell your jewelry.
- Do you have bonds, stocks, an IRA or a 401k you can cash in? If you roll this into a 529 it may be a seemless transition.
If neither of these is an option many of our clients rely on a combination of personal, and outside private financing. Clients who qualify for Behavioral Health Assistance may apply for a medical hardship provided by CareVoy Family intervention and therapy services to assist in their continued outpatient care.
Look to Your Close Friends and Family
- Grandparents Many families go to the child’s grandparents for help, and they are often willing to use some of their retirement or their available cash to help pay for a program to help their loved family member.
- Family Members Family members are often more than willing to at least chip in to help pay even if its just a couple $100 a month it adds up with 10 of them.
- Close Friends If you have friends with teenagers, they are often aware of what you’re dealing with and are willing to chip in.
Family Member at risk of failure
To apply for a Health loan for CareVoy Outpatient Treatment Facility click on Private Financing :
We have partnered with Prosper Healthcare Lending as a potential lender. It simplifies the process of paying for your childs care Working with a national network of specialized lenders, our compassionate loan consultants will help you find the most suitable financing option while maintaining the highest levels of confidentiality. Click the banner above for more information.
- Prosper Lending Lends up to $40,,000 for Health/Medical/Treatment at customized lending rates based on creditworthiness, credit history and amount requested.
- M-Lend Financial Options include interest-free credit cards (at no additional costs) and low interest installment loans for various credit ratings up to 84-month terms and $100,000. Particularly for addiction treatment. With no interest charges for an extended period of time, this can be a welcome bridge to financing.
- Lightstream Medical Loans Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
- Cross Bank Medical Financing Loan amounts range from $1,000 to $35,000. No loans are offered in Connecticut, New York, West Virginia and Vermont. An origination fee of 8% is included in the principal loan amount. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate. The APR offered to you will depend on such factors as your credit score, application information, loan amount, loan term, and credit history.
- Insurance: Insurance coverage varies widely between policies. Your policy may cover part or all of the cost of resident stays. We recommend that you contact a representative from your insurance company or a representative from Re-Creation Retreat if you have any questions regarding amounts covered by your
- specific policy.
Lastly, there are these options as well
Still Need Help? Ask Your Local Community
If your assets and your family’s help are still not enough, you can then move toward your local community to ask for help. Write a letter of support and ask your friends if they know anyone who might be interested in helping. You will be surprised at the resources you may find in the process.
- Write a Support Letter Asking for Help Detail who you are, why you are asking for help, and make sure you write how much you are trying to raise.
- Ask Your Local Community Groups If you are part of any type of community group, ask for help by giving letters to those you are acquainted with.
- Ask Your Church Home If you are a member of a church, go to your church body and ask for help. Send out letters, or ask your church pastors if they are willing to put you before the congregation to ask for help. Churches also often have support funds for active members. Talk to your lead pastor or families pastor, write a letter to the elder board, or if the church has a formal method for applying for funds, ask the church office how to apply.
- Start a GoFundMe page GoFundMe is a website where you can ask people for money in support of a cause. Start a page and ask your friends on Facebook for help.
IEP and Adoption Assistance Funding
- If your child has an IEP States are required by law to provide funding if a case can be made that the school setting will not be enough to meet their IEP. See wrightslaw.com for more information.
- Is your child adopted? The Adoptive Families Coalition welcomes and helps families with post-adoption challenges. They offer a unique plan to assist in meeting the high cost of therapeutic boarding schools, residential treatment centers, and wilderness therapy programs. You can find the sponsorship application page at http://adoptive.org/sponsorship/ or Call (602)-740-7149 or (602)-390-0220.
- Was Your Child Adopted in California? California is required by Public Law 96-272 – the Adoption Assistance and Child Welfare Act of 1980 created federal incentives to encourage the adoption of special needs children to provide assistance to families with struggling adoptees who were once a part of the California foster care system. Click here for more information
Crime Victim’s Compensation
If your child is struggling due to the fact that they were a victim of a crime, there are funds available to help you pay for treatment. You must apply for assistance in the state in which the crime was committed and tried. The National Association of Crime Victim Compensation Boards has a list of all of the state crime victim compensation web sites where you can begin to apply for funding for a therapeutic boarding school, residential treatment center, or a wilderness therapy program.
Toll Free 800-792-0435
CareVoy Family Intervention and Therapy Services