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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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 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.
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.
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.
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.
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.
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.
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.