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How to Get Into Rehab Without Insurance

What do you do when you have no insurance but you desperately need drug and alcohol rehab for yourself or someone you love?

Fortunately, there are ways to cover the cost for the treatment you need. If you’d like to discuss your drug rehab options that will work with you and your finances, contact us at 1-888-744-0789 to speak to a recovery advisor who can help.

Strategies to Pay for Rehab Without Insurance

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 or otherwise financially compromised. In most cases, this also means that any active health insurance policies you may have once had 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 use more than one strategy to make ends meet and get the treatment they need.

Select any of the following payment strategies to find out more about them:

Financing: Go to Treatment Now, Pay Later

Financing is almost always the best option for those who need immediate treatment but don’t have the cash or the ability to save and pay treatment bills. Often it can be very difficult for individuals struggling with an active addiction to hold down a job and be responsible enough to save money.

Financing allows you to get the full amount you need to pay for treatment. It sends this amount directly from the bank to the rehab program and provides you with a repayment plan designed to fit your budget after completion of treatment.

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 will even give you a 6-month grace period to find a job and get settled before you begin making payments.

Scholarships and Grants

The Substance Abuse and Mental Health Services Administration (SAMHSA) has grants you can apply for that will help to fund your alcohol or drug addiction treatment if you don’t have insurance and are struggling to find a way to pay for your treatment. Make sure to read all of the application requirements on SAMHSA’s website to see if you qualify to receive a grant.

Additionally, you can compile a list of treatment centers in your area that are experienced in treating your specific addiction. Contact these facilities and ask if they offer any scholarship opportunities for those without insurance. Many recovery centers have a number of scholarships that they can provide to potential patients who aren’t able to finance their recovery on their own.

Subsidized Coverage

Many people with lower incomes are unable to afford health insurance on their own and thus recover from a debilitating addiction. Subsidized coverage provides treatment coverage and reduced premiums through financial assistance to those with low socioeconomic status who are seeking treatment for substance addiction.

Click here to check if you qualify for a subsidy from the government.

Sliding Scale

Many addiction treatment programs understand how hard it can be to finance your recovery and want treatment to be accessible to everyone who needs it. They are often willing to work with you to create a personalized cost based on what you can realistically pay based on your income and overall financial status. This option is designed to encourage those with a lower socioeconomic status to seek out the addiction treatment

Borrowed Money from Family and Friends

Although you may be hesitant to ask family and friends for money to finance your addiction treatment, chances are they are willing to help you make a positive change in your life. You can send out personal emails to loved ones explaining your story and what made you want to enter a recovery program.

Personal Savings

It can seem daunting to dip into your savings account for addictions treatment, but remember – nothing is more important than your recovery and taking the appropriate steps towards living a happy and healthy life, freed from a cycle of compulsive substance abuse. Once you make the commitment to changing your life around, you will come to realize that your sobriety is well-worth the investment to finance your rehab program.

Raise Money

If the above options aren’t available to you, you can always find a way to raise money, whether it be by selling personal items or by asking for cash donations.

Sell Personal Items

When it comes to your physical and mental health, nothing is more important than achieving and maintaining sobriety. In order to raise money for your addiction treatment, you could host a garage sale for some smaller items and sell more expensive possessions on the internet through any online seller, such as eBay or Craigslist.

Ask for Cash Donations

If you are uneasy about asking people for money outright, you could utilize the structure of an organized campaign to raise money. You can create an account on GoFundMe or IndieGoGo to receive donations from others – who may choose whether or not they want to remain anonymous. Some crowdfunding platforms allow you to offer incentives to those who donate to your cause.

Treatment Facility Type Affects Cost

It will be helpful as you plan your addiction treatment financing to understand the various types of rehab facilities available. Treatment facilities can vary by the degree of extra, luxurious amenities they provide. As you might expect, those facilities with the most extra amenities often come at a higher price. Other addiction treatment facilities with fewer amenities and services tend towards a lower, more affordable range of costs.

  1. Luxury rehab programs offer residential addiction treatment, providing 24/7 access to staff personnel. They are termed “luxury” programs because they also offer a wide range of plush, resort-like amenities (such as spas or acupuncture, for example) that help make your recovery experience as comfortable as possible.
  2. Executive rehab programs also offer residential addiction treatment with high-end amenities – however, they also structure their programs to accommodate busy professionals in remaining active in their workplace throughout treatment.
  3. Standard rehabilitation offerings are perhaps the most common variety, and can be housed in either an inpatient/residential or an outpatient addiction treatment facility. While the quality of the actual addiction treatment may still be high at standard rehab facilities, the costs are often lower since these facilities have more standard settings, accommodations and fewer high-end amenities.

Should You Choose Your Drug Rehab Program Based on Cost?

In most cases, non-residential outpatient treatment is more affordable than residential inpatient 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.

Learn More to 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. But you don’t need to let a payment agreement overwhelm or deter you.

Call us at 1-888-744-0789, and we can help you find a drug rehab center that will work with you on your finances. Finding the best recovery program within your means is both possible and worth it. A recovered life free from addiction is yours when you’re ready.


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