Congratulations! You have completed treatment and are on the long and arduous road toward recovery. Breaking free from addiction and admitting you have a problem is one of the toughest decisions anyone can ever make.

Further, stumbling into the world as a person who is back in touch with their mind and soul without the presence of foreign, addictive substances can make anyone anxious. While you have learned new skills during your time in treatment, it’s tough to transition immediately back into society without a safety net. Fortunately, there are programs and sober living homes that offer to be your training wheels as you gain traction in your early days of drug abstinence.

The lack of a stable, alcohol and drug-free living environment can be a serious obstacle to sustained abstinence. Those who live in environments that are detrimental to their sobriety can prove challenging even for those who are highly motivated. Sober living homes (SLH) are alcohol and drug-free living environments for individuals attempting to abstain from drugs and alcohol.

These facilities are not licensed or funded by state or local governments that require their residents to often pay for themselves. The philosophy of the homes emphasizes 12-step group attendance and support from their peers who are on the same long road to recovery. These homes are structured in a way that avoids the limitations of halfway houses.

There are no formal treatment programs during stints in sober living homes, but attending 12-step programs is encouraged. It is a requirement to adhere to all house rules such as remaining sober, paying any fees that may be required, completing house chores, and attending house meetings.

During the time in an SLH, you must develop a social network that will support long-term sobriety. It is an essential part of recovery, and you must provide mutual support and encouragement for others who are going through rehabilitation. Those who have been in the house the longest are encouraged to provide support to new residents, which is a principle of recovery from 12-step programs. Sober living home residents are often advised to avoid friends or family who could contribute to the possibility of the residents relapsing on drugs or alcohol.

As you will learn in recovery, addiction is a disease that will be present throughout your life. After treatment, it is essential to participate in ongoing care that helps you to avoid lapses that could lead to relapse. It is entirely possible to live outside of active addiction; you need to put the time into achieving your goals. With that said, you may be wondering how you can afford a placement in a sober living home. Below, we will discuss in detail what is covered by insurance with regards to sober living homes.

What Does Insurance Cover?

The Affordable Care Act (ACA) requires insurance companies to provide health care coverage for mental health treatment, and this includes the treatment of substance use disorders. Sober living homes are safe environments designed to help people as they recover from addiction, but unfortunately, they are not considered treatment facilities. As a result, sober living is not typically covered by insurance. This could be a huge blow to someone who is seeking additional care after their treatment program ends. It also could be detrimental to their long-term abstinence from drugs or alcohol. As mentioned earlier, people who are placed in non-supportive environments despite their level of motivation can be challenged by a poor living space.

Sober living homes in most states throughout the country operate under the expectation to be financially dependent, and because of this, they seldom accept insurance or state health coverage to cover costs. Insurance coverage will vary from provider to provider and specific plan.

It is vital that you check your policy to verify what is offered. Insurance should cover at least part of ongoing addiction treatment like therapies, which someone will continue to participate in as a resident of a sober living home. Because of these additional expenses that a resident could incur, they’re encouraged to find employment or other means to fund their stay.

How Can I Pay for Sober Living?

Most sober living homes will require their residents to pay rent as well as cover any other expenses related to living on-site. Getting a job at this time will be useful in not only creating a sense of self but an ability to start supporting themselves and gain responsibility. Sober living homes acknowledge that this transition is difficult, but it is going to help you integrate into life by paying bills and having a routine that you’re going to experience after your sober living arrangement ends.

Most of those who enter sober living homes have recently left treatment centers and likely will not be employed. Those who can’t provide the necessary funds to live in these homes do have other options they can turn to. These include:

  • Personal loans. Family or friends who support your sobriety may be inclined to help finance your stay while you seek meaningful employment to support yourself. It will allow your transition to be a bit more smooth and show the steps you’ve taken to better your life.
  • Credit cards or loans. No one wants to put themselves in credit card debt or take out a loan, but this isn’t about buying your favorite designer bag; this is a matter of maintaining your sobriety. If you have a high-limit credit card, it can be used as a source for funding. You must pay down the balance immediately once you get a job. If you have good enough credit to get a loan from a bank, you can apply to finance your expenses until a job is sought out.
  • Selling assets. If you have assets that you won’t need immediately such as stocks, a car, or any collectibles, these possessions can be sold to finance your stay in sober living. It’s tough to put yourself in debt, and it might be tough to sell your belongings, but to remain sober, you need the right support, which you can get by staying in a sober living home.
  • Crowdfunding. Crowdfunding is a place where you can post the amount of money you need to cover expenses for a few months until you find employment. There are platforms such as GoFundMe and YouCaring that will collect money and turn over the amount raised to you when the time limit has been reached. Fortunately, with this method, you can post the link on your social media page or through email, which can be shared beyond your immediate friends or family. This can be a constructive way to get the money for your sober living homestay.

Financial coverage for the first few months, admittedly, is going to take some thorough planning. A benefit of this environment is that you can stay as long as you feel suits you best. Since sober living homes do not rely on insurance or state funding and you need to find a job to pay rent and bills, these homes fall under the protection of many states’ housing discriminations acts.

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