Rehab Without Insurance

According to the US Department of Health and Human Services, the state of health insurance is changing. By 2014, Americans will be able to buy insurance policies in an Affordable Insurance Exchange that limits the amount you will pay in premiums and out-of-pocket expenses. Addiction treatment services and mental health treatment are among the services that will be required to be covered by all policies. For years after, however, there will be tweaks and changes as the insurance industry and the medical community adjust to the new system.

But what do you do when you have no insurance and you desperately need drug and alcohol rehab for yourself or someone you love? There are ways to cover the cost for the treatment you need. If you’d like to find a drug rehab that will work with you and your finances, contact us to speak to a counselor who can help.

You Have Options

Few people have the money in the bank to pay the full cost of drug addiction treatment out of pocket – especially after a long-term drug addiction that leaves many people bankrupt and/or homeless. In most cases, this also means that any active health insurance policies have long since lapsed, if you ever had one in the first place. Thankfully, there are a number of different ways to pay for drug rehab without health insurance – and most people utilize more than one in order to make ends meet so they can get the treatment they need.

Resources to Pay for Rehab

  • Savings
  • Borrowing from friends and family
  • Scholarships
  • Subsidized treatment
  • Financing

Go to Treatment Now, Pay Later

The thing is, few people can hold down a job and be responsible enough to save money when they’re living with an active addiction. This means that financing is almost always the best option for those who need immediate treatment but don’t have the cash or the ability to save to pay the bill. Financing allows you to get the full amount you need to pay for treatment sent directly from the bank to the rehab program and provides you with a repayment plan designed to fit your budget when you have graduated. Unless the loan is taken out for you by a family member who is prepared to start paying right away, your first payment will not come due until after you are out of treatment. Some plans give you a six-month grace period to find a job and get settled before you begin making payments.

Should You Choose Your Drug Rehab Program Based on Cost?

In most cases, outpatient treatment is less expensive than residential treatment, so should you opt for the less expensive option when you have no money? Not necessarily. Money spent on a treatment program that isn’t right for you is wasted money. Choose the best program for your needs – the one that will give you the highest chance of a successful recovery, and worry about paying back the cost of treatment when you are stable and free from drugs.

Secure Payment Before Entering Drug Rehab

Even if you don’t have the cash on hand to pay for the full bill prior to entering treatment, you will need to sign contracts that outline a payment schedule that is acceptable to both you and the rehabilitation center. When you call us at the phone number listed above, we can help you find a drug rehab center that will work with you on your finances and help you find the best treatment program within your means. Call now to get started.