Getting Into Rehab Without Insurance

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Struggling with a substance abuse problem is trying enough on its own. Add to that worries about how to find alcohol rehab without insurance or drug rehab without insurance, and getting the help you need can appear to be an insurmountable problem. It isn’t.

It is true that very few people have the money to pay the full cost of inpatient drug or alcohol rehab “out of pocket.” This is even more true if the addiction is long-term, and has left you or your loved one financially compromised. But that’s not the whole story.

Thankfully, there ARE ways to pay for the cost of rehab without insurance. In this article, we list a number of strategies that can help you find the treatment you need, even if you don’t have health insurance.

This article provides an overview of strategies for how to afford rehab for people without insurance. If you need additional information about no-insurance rehab, or about rehab in general, we urge you to call our 24-hour hotline at (888)-459-5511 to speak with a knowledgeable representative, who can offer more personalized information.

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Treatment Is Fully Covered by Insurance In Most Cases

First Step – Double-Check Your Insurance

Before we get into the “meat” of this article – how to go to rehab without insurance – we should provide a few words for those who have insurance but who believe that it won’t cover their recovery from alcohol or drug addiction. You may be reading this article, in fact, because either you’ve assumed that rehab is not covered, or because you’ve been actually been told by your insurer that it’s not covered. This may not be the case.

If you are insured through the Affordable Care Act, for example, coverage of alcohol and drug rehab as an integral part of its ten essential health benefits is required of all participating insurers. They simply can’t tell you it isn’t covered. The questions you need to research are how much rehab care is covered by your policy, and in what circumstances.

Effective Strategies To Pay For Rehab Without Insurance

For many trying to overcome addiction, the cost of inpatient rehab without insurance can make getting the help they need seem impossible. It isn’t. Options exist to provide drug addiction rehab with no insurance and rehab for alcoholism with no insurance. In the following sections, we list some of these options.

State-Funded Rehab

State-funded rehab centers use government money, distributed by the individual state, to support people who are in recovery from alcohol or drug addiction. These centers provide detox, treatment, and support services for those without a lot of income or savings, or with inadequate or no insurance. Some of the money that funds these programs is provided in the form of grants or reimbursement through Medicaid, and some comes directly from state budgets.

To qualify for such programs, the person will have to provide proof of residency in the state and in the US, proof of their income status, and personal information about the history and degree of their addiction.

Faith-Based Rehab

A number of Christian and other faith-based groups provide drug and alcohol recovery programs. The Salvation Army Adult Rehabilitation Centers and Harbor Light detox and residential centers can be found nationwide. Other such faith-based options include the Orthodox Jewish Chabad movement recovery program and its residential treatment center for men in California, or JACS, a Jewish community addiction resource group in New York. Many, but not all, of these programs are free of charge. Finding them is often just a matter of talking to the leaders of your own faith tradition.

Free Health Coverage at Community Health Centers, Clinics and Hospitals

Non-profit organizations such as the United Way often can be a great resource to those seeking no-insurance rehabilitation. In addition, some local communities as well as national organizations offer grants to those who need them.

Scholarships or Grants

You can apply to the Substance Abuse and Mental Health Services Administration (SAMHSA) for grants that help people find alcohol or drug addicition treatment. These grants are specifically targeted to those who don’t have insurance and can’t find other ways to pay for the care they need. You can find out whether you or your loved one qualify for such grants by reviewing the application requirements on the SAMHSA website.

In addition, you can make a list of centers in your area that are experienced in treating your or your loved one’s specific addiction. Then you can contact those facilities to ask whether they offer any scholarship opportunities. Many do.

Subsidized Coverage

People with low incomes who are unable to pay for rehab themselves can receive subsidized treatment from State governments. These subsidies can sometimes cover no-insurance alcohol rehab or no-insurance drug rehab, and/or provide financial assistance to those with a low socioeconomic status who are seeking treatment. You can find out whether your income is in the range covered by these programs from the Income levels & savings page at the HealthCare.gov website.

Sliding-Scale Payments

Many addiction treatment programs are very aware of how difficult it can be to finance your recovery. Because they feel strongly about making sure their treatment is accessible to anyone who needs it, many of them are willing to work with you to create a personalized cost for their services. Payment plans are based on your income, and based on what you can realistically be expected to pay. These programs are designed to encourage those with lower incomes to seek treatment.

Financing – Rehab Now, Pay Later

One of the best alternatives for those who need immediate treatment for their substance abuse problems but don’t have the money to pay for it is financing. Banks, Savings & Loans, and in some cases even the residential rehab facilities themselves can offer loans or payment plans that provide the full cost of treatment now, when you need it.

Payments on such financing don’t come due until after you are out of treatment. Some plans even offer a grace period of several months to allow you the time you or your loved one may need to get settled and find a job before payments begin.

Borrowing Money From Friends Or Family

Although people struggling with addiction are often reluctant to ask friends or family members for help, the truth is that often they are often in the best position to offer it. They, after all, care about you and may be willing to help you make positive changes in your life. Sit down with them and explain how much rehab without insurance costs, and they may be willing to help.

Personal Savings

People who have worked all or for a large portion of their lives to accumulate savings may be reluctant to dip into them to finance their addiction treatment. But quite frankly, your or your loved one’s savings are going to be no use to them if they’re dead, and following the path of both alcohol and drug addictions is pointed firmly in the direction of an early death. Nothing is more important than taking the steps towards recovery and being able to live a normal life, freed from compulsive substance abuse. So if you are committed to turning your life around, remember that investing your savings in your own recovery is well worth it.

Raise Money

Many people inspired to seek treatment but without the money or insurance to pay for it have successfully raised the money they need. Some do this by selling off personal items, or by asking for donations via GoFundMe or IndieGoGo or other such sites. If you have valuable skills or services, you can offer them as incentives to those who donate to your cause.

Consider Alternatives To Inpatient Rehab

If none of the above strategies work out, don’t lose hope. There are many alternatives to inpatient care, and many of them cost much less than staying in a residential facility.

Outpatient or Intensive Outpatient Care

Although inpatient treatment in a residential facility has higher success rates, if you or your loved one is sufficiently committed, outpatient treatment may be a viable option. In no insurance outpatient rehab programs, the person attends short sessions 3 to 5 days a week to see a counselor and take any medications they have prescribed. At a slightly higher level up, intensive outpatient rehab programs allow the person to continue his or her normal daily schedule while spending several hours at the center several days a week.

Partial Hospitalization

In partial hospitalization programs, patients spend at least three days a week at the clinic or treatment center, for about five hours each day. While there, they receive therapy, learn about addiction, and work on developing coping skills.

12-Step Programs and Non-Religious Self-Help Groups

While these groups are usually not recommended as the only source of treatment for addiction, they can provide a strong means of support after rehab, and during one’s ongoing recovery. Most such programs are free.

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Getting Into Rehab Without Insurance

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Comments 12

  • I desperately need help finding a treatment center that either offers a scholarship or will finance me. Please help me.

  • Find 449 Recovery and ask to speak to Rodney- he is the owner. It is a recovery treatment program in Southern California in Orange County. They have scholarships available. Don’t give up, there is a reason you are still alive. you have a purpose!

  • hi my name is Angelo I am in dying need to get into a inpatient rehab program I am struggling with the Xanax and crack I have two beautiful kids and a wife she does not make enough money to pay all the bills while I am going to be away and I’m in desperate need to get myself right because if I can’t get myself right I am no good to my kids or nobody else and they depend on me as I was Sole provider so if somebody can find it in their heart to help me with some kind of scholarship I would do anything I mean I am a great worker my hands are gold I have a heart of gold I just need the help before it’s too late if there’s anybody out there that could help me please get back to me as soon as possible thank you much have a blessed day

  • My 25 year old daughter has an addiction with Met, heroin and Needles close to 2 years,maybe longer.She has lost all three of her children due to drug addictions yet everyone is to blame but her for her wrongs.She currently incarsarated in jail been in since the 7th of Febuary and has 6 charges on drug charges shes ask me for help and i dont no how to go about doing it for her she does not have insurance since she has lost her children can you give me some ideas on how to help her she curently in giles county jail in Pulaski Tennessee any ideas on this matter would be greatly appreciated.As a mother im scared for her and her well being

    • Im my state, WV, it is much easier to get rehab for someone leaving jail. I don’t know how long she will be there, but I spoke with our public defenders office. There is a lady that handles drug related crime issues, rehab, etc..

  • My daughter was molested when she was 5 and has a drug/self hate problem. After her and her husband were arrested she went for help. She wound up going to Pathways society in San Jose Ca. It seemed like it was working UNTIL she was raped. So much for security and letting people heal and grow. Our struggle has taken a major step backwards and we’re stuck. The county says that she is probably going back?????

  • About 7 yrs ago my Dr started prescribing me Norco. I never knew addiction until now. I can’t go without them now or my body goes insane and very painful. I suffer with chronic pain and it’s horrible in itself. But I heard that Norco can add to the pain and not let ur body heal. I want off of them. I told my Dr several times. He told me that I’m a strong woman and I can do it myself. Hahaha. I told him there’s no way. U don’t understand that my body is dependent on these now. And I have to have rehab to get off. This addiction was not by choice. I feel my Dr should help me get off of them since he got me addicted to them. Instead of taking care of my medical needs, when I had insurance at the time. Now I’m unable to work. Trying to get on disability which is hard to do. I just want to deal with my pain in other ways more healthy for my body. I’m 53 and I’m sure they aren’t good for me either. Thank u, April

  • I am 31 and i am addicted to hydros and meth. I only smoke it. Ive been doing it almost a year. Ive went from weigh
    Weighing 173 to 125 in like 7 months. I have demonic experiences while coming down or hallucinations after being up just 2-3 short days. I have no insurance and i have bad depression since i was 13. I really want help. Im from Arkansas.

  • I have a 19 year old that has been struggling with drugs (pot,meth and tried heroin once) since 15 when he ran away. He is trying to get life in order but still having difficulty. Father and other relatives given up on him. I am in a situation where I am unable to help him (caring for boyfriend who is a paraplegic and does not trust my son) and he may end up back on the streets soon. I feel trapped and lost on how to help him.

  • I need help my husband is addicted to crack, we have no insurance and at this moment I had to move out from our home and living with my mother, my husband is lost and out and about in the streets I need help for my husband. I cannot afford rehab for him. He is a wonderful father but cannot be around the kids because of his addiction. He needs help it has taken over his life I’m from San Antonio Texas and don’t know where to start to help my husband. I cannot afford rehab I have our children to support. He lost his job due to his addiction. Please help me help my husband.

  • I am in desperate need of help. I’ve prayed everyday, so many times a day for help. I have been on methadone and 2mg klonipin for almost 15yrs. A doctor prescribed me methadone after 3 shoulder surgeries, the last one was a complete rotator cuff and ball joint rebuild and I came home on a pain pump an after that he put me on 60mg of methadone and 4mg of xanax per day. He went to prison for life because a bunch of his patients died from him prescribing them the same thing as me, so then I went through horrible withdraw and someone told me about methadone clinics and I’ve been going ever since and am up to 110 mg of methadone and I have epilepsy and severe anxiety and I’ve tried detoxing myself and had such bad seizures that I’ve broken my nose twice, split my head open so many times. Also broken so many teeth from falling forward during a seizure and put a tooth completely through the top of my lip and so many other injuries. I lost my job of 7 yrs on Dec 22nd 2017 because I had so many seizures at work. I’ve had 2 while driving, so I dont drive anymore. My seizures are pretty much under control now from a new medication that I’ve been taken for the last year. I’ve had a couple breakthrough seizures because certain things can trigger them, like going through withdrawal or lack of sleep etc. When I lost my job, I lost my insurance, my dad helps me, and I’m right in the middle of waiting on a ruling for disability. This is killing me. My liver enzymes are double what they are supposed to be, I have type 2 diabetes right now and I’m not overweight, I’m sinking into a depression that I know if I dont get help to get off of this, I’ll give up. If there are any treatment programs that are inpatient out there that would be willing to take me on a scholarship or any other way, I promise I would never use anything again. It would be the best gift I have ever gotten. My family doesnt have the money to help me and I need medical supervision during the withdrawal process because I’m scared of having seizures and dying during one of them, but I’m almost to the point that I would rather be dead than chained to a drug of any kind. Please,please someone find it in your heart to take a chance on me, I would be willing to do side work, like cleaning and other jobs in return for a good facility that can help me. I’m praying this will touch someone and they will really feel how much I want and need this. I dont wanna give up on life, but if i dont get help, I’m afraid i may. God bless.

    • I am trying to find a dual diagnosis center for my son. I read your story and my heart aches for you. Although I can’t offer treatment or even advice on that matter, I do want to encourage you to not give up. Keep looking for treatment. Maybe go to an ALANON meeting and see if anyone can advise you where to turn. Good luck to you!!! Your pain is palpable. Someone out there has the answers so don’t give up. There is something more out there, but you gotta keep fighting. You can do this!

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