Rehab Without Insurance

Many people avoid treatment because they don’t have insurance. They think it is too expensive to get help for drug and alcohol addiction. But the truth is the cost of not breaking an addiction to drugs or alcohol can be much more expensive. It is important to seek treatment for drug addiction whether or not you have insurance.

Acute situations like emergency room visits, overdose, or suicidal thoughts caused by alcohol or drug use addiction means you need immediate treatment. The cost of rehab is based on level of care you need. From outpatient care that meets with a therapist a few times a week, to inpatient or residential treatment that is around the clock, there are different options that have different price tags.


Free or Low-Cost Options

  • State-Funded Rehab – These facilities use government money, distributed by the individual state to support people needing recovery from drugs and alcohol. Some of the money for these programs comes directly from grants or reimbursement through Medicaid. These facilities offer detox, treatment, and support services to those without insurance or a lot of income or savings.
  • Faith-Based Rehab – Many Christian and other faith-based groups offer recovery programs for those without insurance. Organizations like the Salvation Army and Orthodox Jewish Chabad provide adult recovery programs that are funded mainly by donations. Many, not all, of these programs are free and provide residential care.
  • Community Health Centers, Clinics and Hospitals – Organizations like the United Way offer free drug and alcohol recovery programs. These free clinics do no require insurance and some organizations offer grants to those in need of care. Grants like those from the Substance Abuse and Mental Health Services Administration (SAMHSA) help people find alcohol and substance abuse treatment.

Repayment Options

  • Financing – This is the quickest option to go to rehab now and pay for it later. Banks, savings and loans, and even some residential rehab facilities will provide loans and payment plans. Payment for rehab isn’t due until you are out of the program. This is the quickest option to get immediate care and pay for it when you are drug or alcohol free.
  • Sliding-Scale Payments – Many rehab facilities understand the high cost of treatment. Some will work with the individual based on his or her income to develop a personalized cost of treatment. Since these plans are based on income, they are more realistic according to what the individual can afford.
  • Personal Savings/Fund Raising – If you’ve worked for a long time, you might be reluctant to dip into your savings for addiction recovery help. But weigh the options of what will happen to those savings if you continue in addiction. Your savings will be no good to you if you’re dead from addiction or if you need them for the cost of addiction like medical bills or legal fees.
  • Borrowing from Family & Friends – Asking for help for recovery can be a very hard step. However, many family and friends would happily help pay for treatment when they understand the cost of rehab without insurance.


Weigh the Cost

There’s no denying that rehab can carry a high price tag. But so can living with addiction. You might think that seeking treatment is not an option because of a lack of insurance or finances. But consider the alternative costs that addiction can cause including: 

  • medical bills
  • loss of income (most states require drug tests)
  • accident at work
  • car accidents
  • legal fees
  • relationship problems resulting in counseling fees and/or divorce costs

Next Steps

Don’t let a lack of insurance or financial trouble stop you from getting the help you need. Many options are available to assist you. If you or a loved one need treatment advice, help is available. Rock Recovery Center in West Palm Beach, Florida can help with next steps. Call our 24-hour helpline or chat live with us now.

Helpful Resources

SAMHSA Grants for Treatment 

Healthcare.gov Health Insurance Options

2020-02-25T16:17:22+00:00 May 23rd, 2019|Recovery, Rehabilitation|