A CHANCE AT LASTING RECOVERY SHOULD NOT DEPEND ON INSURANCE COVERAGE.
Forge provides 0% revolving loans so people can continue clinically recommended recovery care when insurance coverage or personal resources fall short. Our primary focus is funding additional residential treatment days, with support for sober living, therapy, outpaitient care, and other appropriate next steps.
The Forge Recovery Foundation is a 501(c)(3) nonprofit funded by donations, grants, and community partnerships.
WHAT RECOVERY REQUIRES
STABILIZE THE BODY. SLEEP AGAIN. EAT AGAIN. THINK CLEARLY. FACE WITHDRAWAL. UNDERSTAND THE ADDICTION. IDENTIFY TRIGGERS. CONFRONT TRAUMA. ADDRESS ANXIETY AND DEPRESSION. LEARN EMOTIONAL REGULATION. BUILD HEALTHY ROUTINES. REPAIR RELATIONSHIPS. REBUILD TRUST. MAKE AMENDS. FIND SAFE HOUSING. RETURN TO WORK. CREATE A SUPPORT SYSTEM. ASK FOR HELP. SET BOUNDARIES. HANDLE CRAVINGS. PREPARE FOR SETBACKS. PRACTICE LIVING IN THE REAL WORLD. DISCOVER WHO YOU ARE WITHOUT THE SUBSTANCE THAT ONCE CONTROLLED EVERYTHING. CREATE A NEW IDENTITY. CHANGE EVERYTHING.
IN 30 DAYS?
HOW FORGE WORKS
A clinical team identifies the care that should come next. (THE NEED)
Coverage or personal resources end before the work is done. (THE GAP)
Forge provides a 0% loan paid directly to an approved recovery provider. (THE BRIDGE)
Care continues, The recipient repays Forge, returning funds to help someone else. (THE CYCLE)
01.
Recommend
The treating clinical team identifies the additional time or next level of care the person needs based on clinical need, not insurance coverage.
02.
Refer
The provider submits its recommendation, proposed care plan, and remaining financial need to Forge.
03.
Review
Forge reviews the clinical recommendation, financial circumstances, provider, and proposed repayment plan.
04.
Fund
If approved, Forge pays the agreed amount directly to the recovery provider through a 0% loan.
05.
Continue
Care continues according to the clinical plan. The recipient repays Forge, allowing the funds to be used again.
THE MODEL
REPAYMENT IS PART OF THE PURPOSE.
A Forge loan is designed to do more than extend care. It creates opportunities to practice the habits that help build a stable life in recovery. That responsibility is part of the model.
O1. OWNERSHIP
A 0% loan keeps clinically recommended care within reach while giving the recipient an active role in what comes next.
02. ACCOUNTABILITY
Budgeting, keeping commitments, and making consistent payments turn responsibility into visible progress.
In early recovery, ordinary responsibilites can feel overwhelming. Scheduling an appointment, following a budget, or making a payment creates a meaningful win. Each commitment kept builds confidence, restores self-trust, and makes the next one that much easier.
03. MOMENTUM
04. SERVICE
Long-term recovery is often strengthened through service. When payments return to Forge, those funds become part of the help available to the next person, turning personal progress into an opportunity to give back.
RECOVERY DOESN'T FOLLOW ONE PATH.
Forge prioritizes additional residential days when coverage ends too soon. We may also support other clinically recommended care that helps recovery begin or continue.
01
Medical Detox
Medically supervised detoxification and stabilization when withdrawal requires professional care.
02
Residential Treatment
Additional residential days when insurance authorization ends before the clinical team recommends discharge, so care can be guided by need rather than coverage alone.
03
Sober Living
Supportive housing that provides stability, accountability, and community while a person rebuilds their life.
04
Therapy & Outpatient Care
Individual therapy, group counseling, outpatient treatment, and other approved services that support continued recovery.
02
Residential Treatment
Additional residential days when insurance authorization ends before the clinical team recommends discharge, so care can be guided by need rather than coverage alone.
THE REVOLVING IMPACT
GENEROSITY CREATES A SECOND CHANCE.
REPAYMENT CREATES THE NEXT.
Donations, grants, and community partnerships fund Forge's 0% loans. As recipients repay those loans, the money returns to the fund and helps the next person begin or continue care. The same contribution can create opportunity again and again.