How to Pay for Drug Rehab Without Insurance
- Explore Your Employee Assistance Program. ...
- Finance the Cost of Rehab. ...
- Use HSA Funds. ...
- Apply for a Low-Interest Rate Credit Card. ...
- Raise the Funds. ...
- Pay With Personal Savings. ...
- Borrow Money From Family and Friends. ...
- Inquire About Treatment Scholarships for People in Recovery. ...
- Apply for a Grant. ...
- Ask the Treatment Center About Payment Plans. ...
Full Answer
Do you need help paying for drug rehab?
Dec 12, 2020 · Options most people have to pay for rehab include: Medicare. Medicare is the federal health insurance program for seniors and adults with certain disabilities. There’s no specific payment plan option for substance abuse treatment under Medicare, though the services are often paid for as part of normal Medicare coverage. Inpatient care, for example, generally …
How can I get help paying for addiction treatment?
Feb 16, 2022 · Get Help from the Government Those in lower income brackets may be able to get some of their drug rehab paid for by the government. Financial assistance through government subsidies may be a possibility to pay for some of your treatment. Find out how the government can help you. Use Your Credit Card
How much does drug and alcohol rehab cost?
When that isn’t enough one can turn to programs that offer scholarships, low-cost loans, and other types of financial assistance for drug rehab. Find Substance Abuse & Mental Health facilities in the United States Search by location, substance, disease, etc EXPAND MAP Basic Search REFINE SEARCH Showing results Show Facility Name Address State City
How can I get free drug rehab?
Feb 16, 2022 · grants, scholarships, and other forms of financial support for rehab are available to help people pay for the costs of drug misuse treatment and relapse prevention. It is possible to receive a healthcare grant from an organization, which may be used to cover a wide range of medical requirements. 2 Other sorts of financial support for rehab that ...
What are the 5 stages of rehab?
What is the process of rehabilitation?
How much does the US spend on rehab?
How do I pay for rehab?
Step 1: Assess Your Needs. The first step in paying for rehab is to assess your needs. Different substance addictions call for different treatment approaches. Some detox, for example, can be done at home with little supervision, while coming off of some other substances can be medically dangerous.
How much does it cost to go to outpatient rehab?
Outpatient rehab is significantly cheaper than a live-in residential treatment plan. Attending a day program for 90 days may cost just $5,000 to $10,000, though this isn’t an appropriate choice for every person struggling to get sober.
How much does inpatient rehab cost?
Some of the better-known rehab centers charge up to $20,000 for a 30-day course of treatment, while more modest treatment centers may charge between $10,000 ...
What is the free rehab number?
In addition to the service’s toll-free helpline, (800) 774-5796, the nonprofit also operates the Free Rehab Centers website, which lists over 1,000 centers that offer no-cost treatment services for people struggling with addiction. The Substance Abuse and Mental Health Services Administration operates a free, confidential 24-hour helpline ...
What is Medicaid insurance?
Medicaid. Medicaid is the low-income health insurance program jointly administered by federal and state governments . Under the 2010 Affordable Care Act, also known as Obamacare, Medicaid must cover all of the basic costs of substance abuse rehab for insured individuals.
What is Medicare for substance abuse?
Medicare. Medicare is the federal health insurance program for seniors and adults with certain disabilities. There’s no specific payment plan option for substance abuse treatment under Medicare, though the services are often paid for as part of normal Medicare coverage.
What is the phone number for the MHSA?
The Substance Abuse and Mental Health Services Administration operates a free, confidential 24-hour helpline that can be reached at (800) 662-HELP (4357). The administration doesn’t provide therapy or other direct services, though it does offer a free referral service to licensed inpatient treatment centers. VI.
How to think of drug treatment as a financial burden?
Instead of thinking of drug treatment as a financial burden, you should adopt a new mindset. Drug treatment is an investment in a better future. Think of how much money you spend on your drug of choice. Depending on the drug and how much you use, it could be costing you hundreds, even thousands, of dollars a month.
Do you have to pay for out of pocket expenses?
In most cases, you will have to pay some out-of-pocket expenses. For example, if you attend outpatient therapy or counseling services, you may be required to cover a copay for each visit. Inpatient programs often cover a percentage of your stay, but you will be required to pay the rest.
What are grants and scholarships for?
Federal and state governments as well as nonprofits provide funding in the form of grants and scholarships to individuals for substance abuse prevention, treatment and recovery programs. These grants and scholarships may be offered for treatment at a specific facility or come in the form of a voucher that may be used to pay for treatment at one of several participating facilities. Grant and scholarship opportunities are commonly limited to low-income patients residing within jurisdictions designated by the specific grant or scholarship programs. Contact your state’s mental health or substance abuse agency, or the treatment facilities you are considering, for more information on grant and scholarship availability.
Who is Cynthia Orta?
Cynthia Orta is the President of Innova Recovery Services in Monument, Colorado. Cynthia received her business degree from State Technical Institute of Memphis and has several years of experience in the management and financial industry. After operating her own business for over 12 years, Cynthia sold her business to devote more time to her clients in recovery. Helping others through the recovery process is a passion for Cynthia due to her own family experiences with addiction.
Does insurance cover substance abuse treatment?
The short, simple answer is yes . Under several laws, such as the Affordable Care Act (ACA), insurers are required to pay for “essential health benefits,” including substance abuse treatment. But, as we all know, any time the subject of health insurance comes up things are never quite that simple. The extent of insurance coverage depends on several factors, including the type of treatment sought as well as the specific insurer and policy involved. The bottom line is that in most cases insurance will not cover the entire cost of treatment. It can, however, go a long way in making treatment affordable enough for almost everyone.
Does insurance pay for rehab?
As important as it may be, insurance rarely pays all of the costs of rehab. And, in many cases, those in the greatest need of treatment are also the most likely to lack insurance coverage of any type. Fortunately, there are a number of additional programs and options that offer help paying for rehab.
How to contact HHS about rehab?
Go to https://www.hhs.gov/mental-health-and-addiction-insurance-help or dial 1-866-444-3272.
Why is it important to pay more for treatment?
In the long run, paying more for an effective treatment that matches your needs and improves your quality of life is more important than saving money on a program that can’t provide lasting results. Research shows that alcohol or drug rehab costs — including those for treatment in inpatient, residential, and outpatient settings — are lower than ...
What is the MHPAEA?
The Mental Health Parity and Addiction Equity Act (MHPAEA) requires most group insurance plans and those on the Health Insurance Marketplace to offer benefits for treating substance use disorders. However, the specific treatments that are covered will depend on the state where you live and the type of plan you have.
How to contact SAMHSA for payment assistance?
Use our treatment locator and select the search options to find programs with payment assistance. Call the SAMHSA treatment referral line at 1-800-985-5990 or text TALKWITHUS to 66746 to receive professional assistance on determining the best treatment center with payment assistance options.
What is an EAP?
An EAP is an employer-sponsored service to help employees (and sometimes their dependents) who are experiencing personal or family challenges. They usually pay for services related to mental health, drug or alcohol misuse, financial, and legal concerns.
Is alcohol rehab costing less than long term?
Research shows that alcohol or drug rehab costs — including those for treatment in inpatient, residential, and outpatient settings — are lower than the long-term costs of leaving a substance use problem untreated.
Is rehab expensive?
Treatment can be expensive . But there are options, programs, and resources available to help you afford the cost of your treatment. And remember, entering a rehab program is an investment in your health, happiness, future, and life.
Have Insurance? Check Your Coverage
Often, drug rehab patients are not sure if they have coverage or what if any, their coverage limits are. We can help you find out.
Call Us Right Now
Our Call center is available to you nationwide all day – everyday. We aren’t here to judge. We are here to help when you decide the time is right.
Don't Have Insurance? Get Help Anyway!
More than 24 million Americans suffer from addiction with millions left unsure of how to pay for the treatment they need. We can help.
Tristique Egestas Mollis
Praesent commodo cursus magna, vel scelerisque nisl consectetur et. Fusce dapibus. consectetur adipisici elit, sed eiusmod tempo
Success Stories
When I decided that it was time to get treatment after my relapse, my insurance denied the costs. No matter what I explained, it wasn’t good enough and I turned to payingfordrugrehab.com
What are some options for addiction treatment financing?
Some options for addiction treatment financing may include: Scholarships offered by addiction treatment centers (ask the admissions office about scholarships). Financing plans that allow you to make payments after being discharged (may be offered by a third party who will create an alcohol or drug rehab loan package).
How to contact AAC for rehab?
If you or a loved one are looking for treatment options, or need more information about addiction treatment financing and paying for rehab, call AAC’s caring admissions navigators at 1-888-319-2606 Helpline Information .
What is the difference between Medicare and Medicaid?
Both may provide options for accessing addiction rehab. Medicare is a federal health insurance program. In order to qualify, you must meet one of the following criteria: 6. 65 or older. Younger and disabled. Medicaid is a program that is funded by states and the federal government.
What are the major healthcare companies?
Four of the main companies that provide insurance are Aetna, Blue Cross Blue Shield (BCBS), Humana, and Kaiser Permanente.
Is inpatient rehab more expensive than outpatient rehab?
Providing a high level of care is important regardless of the type of treatment. Inpatient rehab is typically more expensive than outpatient rehab, but both provide treatment that can helps people address their addiction and work toward sobriety.
Is Medicaid a federal program?
Medicaid is a program that is funded by states and the federal government. It provides low-cost or free healthcare to many low-income people, regardless of age, and is based on income and family size. 7 Depending on your state of residence, coverage and eligibility vary.
Can you get private financing for drug rehab?
Drug Rehab Financing. Since the cost of rehab can be quite high depending on the length of stay and rehab facility, it may be necessary to secure private financing. This could be the case if a person is uninsured or doesn’t qualify for state or federal assistance.
How much does it cost to get a scholarship for drug rehab?
Scholarships for Drug and Alcohol Rehab. Rehab can cost between $3,000 and $10,000 for 90 days of outpatient treatment or between $5,000 and $20,000 for 30 days of residential inpatient treatment. Because of the high cost associated with rehab (especially residential inpatient treatment), many people may perceive cost as a barrier to getting help.
How long does it take to get treatment for substance abuse?
You need treatment for a substance addiction. You want to get better. You are ready to commit to at least 30 days in a residential treatment facility. You don’t have sufficient resources to cover treatment costs.
What is 10,000 beds?
As mentioned earlier, 10,000 Beds is a non-profit foundation with the goal of connecting needy addicts to inpatient rehabs that have vacancies. Since they work with facilities all over the United States, anyone can apply, so long as they meet the following criteria: You need treatment for a substance addiction.
What to do if you don't have medicaid?
If you don’t already have insurance, start by applying for a subsidized insurance plan such as your state’s Medicaid program. If you aren’t able to qualify for Medicaid, there may be other subsidized plans in the state that you do qualify for.
What are some examples of community resources?
Some examples of community resources include churches, social workers, and charity organizations.
Does the Marketplace cover rehab?
Not every insurance plan covers every type of treatment, but they are all required to cover some type of rehab for those who qualify as having a substance use disorder.
Can assessment help with scholarships?
Assessments aren’t just the first step in the rehabilitation process, they can also be helpful in finding a scholarship. Addiction professionals that provide assessments may be aware of facilities that offer scholarships to help those in need.
What is free rehab?
Free Rehab Programs. Most states provide funding for rehabilitation services that can be accessed by those with no insurance or income. These centers usually require that the clients qualify by meeting certain requirements, such as a demonstrated lack of income or addiction status and/or need for intervention. ...
How long do you have to sign up for Cobra?
You will have at least 60 days to decide if you would like to continue your coverage. Once you have decided to continue your coverage, you will sign up for COBRA, and you will be responsible for paying the entirety of your premium (what was previously covered by you and your employer).
Do rehab centers require income?
Most states provide funding for rehabilitation services that can be accessed by those with no insurance or income. These centers usually require that the clients qualify by meeting certain requirements, such as a demonstrated lack of income or addiction status and/or need for intervention.
Do rehab facilities require payment?
Payment Plans: There are certain rehab facilities that will not require you to pay the full cost of treatment upfront. Some centers will work with you to figure out a payment plan that allows you to pay back the cost of rehab over time, which reduces the immediate financial burden.
Can you get unemployment if you don't have the cash?
Although it might be slightly more complicated than it was when you were employed, unemployment does not mean that you cannot receive the alcohol or drug treatment that you need. The bottom line: There are ways to get the help you need if you don’t have the cash.
Does Cobra cover mental health?
That includes any mental health and substance misuse treatment that was covered through your insurance plan. If you are pursuing treatment while covered by COBRA, treatment facilities will likely need you to fill out a COBRA election form and you will be responsible for paying your premium.
Can I go to rehab without insurance?
Can You Go to Rehab Without Insurance? You’ve finally admitted you have a problem and you need help. But money’s tight, and you don’t have the means to pay for rehab – especially since you don’t have health insurance. Not to fear – you don’t have to let recovery fall to the wayside simply because you can’t afford it.
