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Financial Aid Options for Drug Rehabilitation Patients

how to pay for rehab

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One of the hardest things in the life of a person addicted to drugs is admitting to themselves that it is time for a change.
Changing one’s life from the ground up is never an easy task and it only becomes more difficult if financial possibilities start becoming a problem. Funding a rehabilitation treatment can be a huge expense, but it is one that must be made in order to return an addict’s life on the right track. If there is a person who needs financial aid to start rehabilitation treatment, there are many sources of funding that can help to cover the costs.

What are some different ways to pay for rehab?

Different ways to pay for rehab include state health insurance, private insurance, or paying for treatment out of pocket. Private insurance companies typically offer the most coverage, which means paying less for treatment. Some treatment centers can even help to find insurance companies that will offer the best coverage.

Table of Contents

State Health Insurance

Depending on the country, the first thing that one should look into is whether the health insurance covers the costs of rehabilitation treatment and to what extent. Some countries emphasize how detrimental substance addiction is to the productivity and overall lifestyle of a person and as such offer to completely cover the costs of rehabilitation treatment.

If one is unsure what the health insurance covers, many addiction centers offer help and consulting regarding this and will in some cases even go as far as advising the best private insurance company, if the countries health insurance plan does not cover rehabilitation treatment.

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Private Health Insurance

The most preferred and arguably the best method to fund the rehabilitation treatment is to look for a private insurance company that specializes in this area. There are numerous ones to choose from and the best way to decide on the right one is to ask for consulting from the rehabilitation center of choice. They will tell which private health insurance agencies they work with and which one offers the best conditions.

What insurance companies cover addiction treatment?

Popular insurance companies that cover addiction treatment:

  • Aetna Health Insurance can provide full or partial coverage for detox and rehabilitation
  • Blue Cross Blue Shield Insurance offers partial coverage for outpatient programs
  • Cigna Health Insurance can cover detox partially or completely, and rehabilitation partially
  • UnitedHealthcare offers insurance plans with no immediate payment due; offers a variety of treatment options

Some of the most popular private insurance agencies that help people in need of rehabilitation treatment funding are:

  1. Aetna Health Insurance – this US-based insurance company that offers to cover the cost of both detox and rehab either partially or completely depending on the type of insurance their client decides on and the severity of addiction they are facing.
  2. Blue Cross Blue Shield Insurance – covers both individual and group therapy sessions for outpatient treatment, but only partially depending on one’s policy.
  3. Cigna Health Insurance – international private insurance company that offers partial or complete funding for detox process and partial funding for rehabilitation process depending on one’s policy.
  4. UnitedHealthcare – provides several different insurance plans depending on their client’s financial standing, with no immediate payment necessary by the client. Depending on the insurance policy one opts for, one will be provided with different rehabilitation centers which work closely together with UnitedHealthcare and offer a variety of different treatment methods.

Opting for a private health insurance is usually the least financially straining option. With many different insurance plans to choose from, one can find the one that best suits the financial capabilities. In some cases, depending on the level of addiction a person is facing, treatment may even be fully covered by an insurance company and completely free for the person in need of it.

Funding the Treatment Independently

It is always the best option to fund the treatment Independently by paying it upfront with cash if one has the means to do so. This relieves of the process of taking out a loan and having to pay it afterward, usually with interest. In case one is not able to come up with enough funds to pay for rehab on own, there are still several methods open.

How to for addiction treatment independently?

One can pay for addiction treatment on own by:

  • Asking close friends and family members for help— Explain the desire to change. One may be surprised by their generosity.
  • Starting a fundraising campaign— Tell the story on a website like and ask people to donate.
  • Selling unneeded valuables— A life is worth much more than any material object.

1. Ask Family and Close Friends for Help

One will be amazed at how many people are open to help a person in need of addiction treatment. While some will take the request for help as just another way to fuel the addiction, if one puts in enough time and effort to explain to them that one wants to change the life, they will most likely agree to help. Alternatively, one could suggest to them that they deposit the funds to the addiction treatment center of the choice on their own, so they are sure that the money they are providing is indeed going to treatment.

2. Start a Fundraising Campaign

Websites like offer their users to create an account and ask for donations for a certain cause. One could tell a life story and how the addiction has affected the life and lives of close relatives. Be sure to state that all the donations will go towards funding the rehabilitation process.

3. Sell Unneeded Valuables

While this should be done as a last resort, there is always an option to sell some valuable items in the possession in order to pay for treatment. It may seem hard and unnecessary at first, but one should keep in mind that the longer an addiction goes on, the chance that one will succumb to selling those valuables to fuel it will be higher.

No matter which payment options one decides on to fund addiction treatment, it is important to take the first step as soon as possible. The longer it takes for a decision to be made the harder it gets to make it and this is especially true when it comes to something as life-changing as deciding to go to rehabilitation treatment.


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