Can You Get Addiction Treatment If You Do Not Have Insurance?

Medical claim form with a stethoscope.

Drug and alcohol rehab is definitely not cheap, but the expense of not getting the necessary help can end up costing you a lot more.

While the costs of addiction treatment programs vary a great deal, they can add up to a few thousand dollars a month, which is a tall order for anyone who does not have the financial means to cover these expenses.

If you have a substance use disorder and have made the decision to get help, you have taken an incredibly important step in the right direction. However, your next question will likely be, “how much does rehab cost, and how will I be able to pay for it?”

What Does Rehab Cost?

A number of factors influence how much rehab will cost, including the type of treatment required, how long the treatment program is, the types of amenities that the center offers, and the facility’s location.

On average, non-profit or government-run drug and alcohol treatment programs can cost around $3,500 per month for either outpatient or residential programs. The cost is much greater for private residential rehab programs, which can vary quite a bit in price from anywhere between $7,500 to $20,000 per month or more. The facilities that celebrities and athletes enter run as high as $120,000 for more luxurious and customized accommodations.

Admittedly, that is a lot of money to have to spend each month, and most Americans are not financially equipped to cover drug rehab costs on a monthly basis.

Fortunately, the costs related to drug and alcohol rehab can be covered, at least partially, by medical insurance.

A man sits at a table holding a cigarette and glass of alcohol.

Not getting help will likely cost a lot more in the long run compared to paying for the cost of treatment now.

But what if you do not have insurance? What if your finances are not adequate enough to cover the costs related to going to treatment? Should you just throw in the towel?

Absolutely not. The costs associated with not getting help can be astronomically higher than the expenses of rehab. You are dealing with your life, which is precious and priceless. The lifetime cost of spending on drugs or alcohol can far exceed the cost of rehab. Not to mention time lost at work or with family as a result of intoxication and all the medical expenses that you will likely be spending while dealing with substance use disorder. Make no mistake about it; you are worth the cost of getting treatment and working through addiction.

Paying For Rehab With No Insurance

Paying for rehab without any medical insurance might seem impossible, but it is not. There are other options for you to explore that may help you deal with the financial cost of rehab while getting the help you need to find recovery.

Financing

Much like taking out a loan to buy a car or a house, you may be able to finance treatment. Many rehab centers offer financing options to those who may struggle to come up with the funds to pay for treatment all at once. By financing, you can contribute a small amount every month to go toward rehab.

Government programs

You may be able to take advantage of a government program to help you cover the costs associated with rehab. Your state may offer grants and subsidized programs for this specific purpose, so be sure to check with the US Department of Health and Human Services in your state. You may also be eligible for some coverage through Medicaid based on your income.

Sliding-Scale Payment Programs

Many rehab centers offer sliding scale fees for those who are classified as low-income earners. The less you earn, the less you will be obligated to pay under such programs.

Subsidized Rehab Programs

There are several rehab centers across the country that treat patients via subsidized programs. The Substance Abuse and Mental Health Services Administration (SAMHSA) allocates government funds to treatment centers in the US. You can find one using SAMHSA’s online treatment locator.

Find an Addiction Treatment Center Today

If you or any of your loved ones are suffering from substance use disorder, the time to check out Colorado addiction treatment resources is now. Even those who do not have insurance to pay for addiction treatment have plenty of options to explore. Your life is worth a lot more than anything that money can buy, so do not hesitate to get the help you need right now. Contact us to discuss treatment and payment options.