Financing & Payment

We are aware that, in Pennsylvania, the notion of paying out of pocket for medical care is somewhat strange and suspect. Furthermore, the lack of acknowledgement that addiction is a health care issue makes it even more extraordinary. When you take these issues and place them in Western PA, where one major health system has dominated our provider and payer market, combine this with the aging population and the massive pharmaceutical presence, alternative treatments become nearly impossible to provide. Exacerbating this problem is the fact that health payers have started to act more like for-profit regulators inhibiting care than payers charged with facilitating it.

Yet, our review of the many clinics similar to Arche Wellness throughout the world demonstrates that the trend is growing. Clinics in California, Minnesota, Colorado, Florida and Texas are successfully operating health care programs (as opposed to disease care programs) using self-pay models. This is because it is simply impossible to offer the quality of care that is ideal for every patient under the financial and bureaucratic constraints of the current payer system. We also would like to emphasize that most of our clients are middle class families who work very hard to make ends meet. Unfortunately, many of them have a loved one whose addiction has progressed to the point of such severe physical, mental and behavioral impairment, that admission to our program was regarded as an "I'll pay anything to save him" last resort. While we are honored that these families entrusted us with the care of their loved ones, it is our hope that more of our clients will come to receive complete recovery care earlier in their addiction, before the complications of addiction have approached grave levels.

When you consider that the average American family spends between $240,704 and $349,968 (Motortrend, 2004) on automobiles in a lifetime, $90,000 on a college education and over $7,000 annually, per person on health care (Commercial Appeal, 2008) spending around $12,000 for an effective treatment seems appropriate and almost cheap. In 2001, The Robert Wood Johnson Foundation and the Schneider Institute for Health Policy at Brandeis University prepared a policy update entitled "Substance Abuse - The Nation's Number One Health Problem." This document reported the cost of untreated addiction per person, per year, is $43,200. A study by the American Medical Association (view article here) estimates that alcoholics spend $7,300 on alcohol and other drugs per year. If you add the estimated associated costs such as job loss, medical and legal expenses, the total can reach well over $100,000. While we are not mathematicians, we think that $12,382 is substantially less than $43,200 or $100,000. The article citing the AMA study referenced above also states that quitting drinking can net you about 1 million dollars over 16 years in savings. As if these numbers are not alarming enough, the costs of heroin and other drug addictions are even higher. Effective treatment, like education, should be regarded as an investment in both the quality of your life and your wallet.

Arche Wellness is constantly working to achieve reimbursement from third party payers. However, despite our efforts and our patients' continued success, commercial insurance has refused to reimburse for this type of addiction treatment. That is why we now offer a number of different options for patients seeking comprehensive addiction care. Our Arche Institute programs offer basic recovery services billed on a weekly basis which are substantially less expensive than package programs. To learn more about prices and programs, call our office today.

Patients purchasing a package program may apply for financing through Med Loan Finance Company. Med Loan allows you to apply for financing online and can provide an answer to your application within 3-4 hours. (Response times may vary.) Med Loan can also provide other financing options if you are denied a loan.

For more information, go to the Med Loan Finance Website

To apply for a loan click here: Application Process

Med Loan Finance Company is in no way affiliated with Arche Wellness, LLC.

At this time, Arche Wellness accepts Visa, Mastercard, American Express and personal checks and cash.