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How To Pay For Drug and Alcohol Rehab Treatment

  • Reviewed by: Dr. Carl Williams, Ph.D., LCADC
  • Modified:
  • Reading Time: 9 minutes
  • Reviewed by: Dr. Carl Williams, Ph.D., LCADC
  • Last Update:
  • Reading Time: 9 minutes

Learn about affordable addiction treatment payment options, including private insurance, Medicare, Medicaid, and alternative funding methods.

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A little disclaimer: the cost of addiction is much higher than the cost of treatment.

When considering one’s choices for drug and alcohol treatment, most people regard the cost as an essential factor. When assessing the cost of rehabilitation, however, it is wise to consider the money spent on the process as a vital investment for your recovery.

In the end, spending more money on an effective therapy that meets your requirements and enhances your quality of life is much better than saving funds on a program that cannot provide an outcome that will last. The long-term costs of not treating a substance or alcohol use disorder are higher than therapy expenses at any level, whether inpatient, residential, or outpatient.

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Levels of Care
Popular Topics
Families & Addiction

Financing Options for Addiction Treatment Programs

8 Ways to Pay for Addiction Treatment

Private rehabilitation is not nearly as costly as some believe, so you shouldn’t allow financial concerns to prevent you from exploring treatment options. You may cover the cost of private rehabilitation services in several ways.

Here are some standard rehab payment options available to anybody determined to beat their dependency through a treatment program:

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Medicare

Medicare is a federally-run health insurance program that provides coverage to eligible Americans aged 65 or older, some younger Americans living with disabilities, and those with end-stage renal disease (ESRD). Medicare is comprised of several distinct parts, each of which covers a different set of medical services.

Programs for the treatment of alcohol and substance use disorders and mental health issues are covered by Medicare Parts A and B. This often includes coverage for various care levels, such as inpatient, residential, outpatient therapy, medicine, and other clinical services.

Medicaid

The federal government and individual states jointly support Medicaid. Because it considers a person’s income and the number of members in their household, it may provide free or reduced-cost medical treatment to many of those with low incomes.

Coverage and eligibility requirements might differ for those residing in different states. Medicaid recipients are exempt from paying any portion of their medical bills, while some states impose a nominal copayment.

Visit the site of the Medicaid program in your state or HealthCare.gov to verify your eligibility for Medicaid and submit a claim if you believe you may be eligible for this program. Also, visit Medicare.gov or contact Medicare at 1-800-633-4227 to get more information about this service.

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Most Major Insurance Will Help Cover the Cost of Treatment
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Healthcare Loans

Loans for medical expenses, including those associated with rehabilitation, may be obtained through some specialized financial institutions. Many treatment facilities have established arrangements with certain healthcare loan providers to assist patients in paying for their treatment.

The following is how it works:

  • You can apply for funding for rehabilitation programs for the money you need.

  • If your application for a healthcare loan is successful, the lending business will pay directly for your treatment facility.

  • After completing your treatment, you will begin making monthly payments toward the repayment of the loan, just like you would with a mortgage or bank loan.

The following is a list of some of the perks that come with using reliable companies for funding drug treatment:

  • Longer durations result in cheaper payments each month.

  • There will be no adverse effects on your credit score. It generally needs very little and, in some cases, no need for collateral.

  • There are often no prepayment penalties included.

  • Checking eligibility and applying for a loan is quick and painless.

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Crowdfunding

Many well-wishers in the world are willing to lend a hand to those trying to make a positive transformation in their lives, even though there are still bits of the social stigma connected with addiction in our society.

It can take just a few mouse clicks to locate the funds necessary for rehabilitation programs. There are a variety of websites available on the internet, such as YouCaring.com and GoFundMe.com, which allow users to donate money to charitable causes. Thanks to such platforms, those struggling with SUDs and other mental disorders can now appeal to the rest of the world for assistance.

Assistance From One's Own Family and Friends

Many people we speak with struggle financially because of the cost of maintaining their addiction. Talking to family members, colleagues, and friends could be an excellent first step if you’re serious about entering treatment and making changes.

They may be able to help by giving moral support, donations, or offering a loan to cover the cost. Don’t forget that their hope is for your speedy recovery and that they’re prepared to help in any way possible.

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Private Health Insurance

Most private insurance plans will pay for the cost of substance abuse treatment at a facility of your choice. After the Obama administration passed the Affordable Care Act, this became even more true. This legislation acknowledges that issues related to mental health and addiction to substances like alcohol and drugs are among the fundamental aspects of health care.

In addition, the Mental Health Parity and Addiction Equity Act (MHPAEA) mandates that all individual and group health insurance policies sold through the Health Insurance Marketplace must include coverage for the prevention and treatment of drug use disorders. However, the particular therapies included in your range will be determined by the state in which you reside and the kind of plan you have.

If you have private insurance, you should read your policy carefully or contact your provider to ensure you’re adequately insured for the service you seek.

Grants

There are grants up for grabs at all three levels of government: municipal, state, and federal. These publicly funded programs each have a set of criteria that a person must fulfill to qualify. They also require the individual to present documentation to demonstrate that they meet those criteria.

Documents may include:

  • Financial records.

  • Citizenship paperwork.

  • Addiction history and severity.

  • Proof of state residency.

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Charitable Support for Addiction Recovery

SAMHSA Grants

One of the places you might look for government funding is the Substance Abuse and Mental Health Services Administration (SAMHSA). Substance Abuse Prevention and Treatment Block Grants are meant to fund addiction treatment. This program is for addicts, pregnant or postpartum mothers, and IV drug users.

Some charitable organizations also provide handy options to help pay for your time in recovery. For example, in the addiction treatment center run by the Salvation Army, patients must work forty hours each week for accommodation, food, and participation in recovery programs. Patients will receive therapy for six months while working clerical and warehouse jobs.

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We at Rolling Hills Recovery Center strongly disagree that lack of funds should be an obstacle to obtaining help for addiction. Discussing these issues with one of our professionals is an excellent place to start. We can help you better understand your available options and whether or not they make sense within the context of your budget.

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Written By:

Geoffrey Andaria

Geoffrey Andaria mental health writer at rolling hills recovery center
Rolling Hills Recovery Center

Mental Health Writer

About Author:

Geoffrey Andaria is an experienced mental health content writer and editor. With a B.A. in English and Journalism, Geoffrey is highly educated in freelance articles and research. Having taken courses on social work, Geoffrey is adamant about providing valuable and educational information to individuals affected by mental health and the disease of addiction.

Medically Reviewed By:

Dr. Carl Williams Ph.D., LCADC

Carl Williams, medical content reviewer at rolling hills recovery center
Rolling Hills Recovery Center

Expert Contributor

About Reviewer:

Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.

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