Full Answer
How can I pay for drug and alcohol rehab without insurance?
9. Paying With Your Credit Card or a Health Care Credit Card to Pay for Addiction Treatment. Paying with a credit card can be a short-term funding option, but beware of the high interest rates and steep monthly payments. The interest rates on …
Can't afford to fund your own addiction rehabilitation treatment?
Oct 09, 2018 · Another way to pay for rehab without insurance—or to pay for costs not covered by your insurance, such as copays or deductibles—is to apply for a low-interest credit card and pay back the balance as you can. Here are a few credit companies that specialize in healthcare financing: CareCredit offers options to help you pay for treatment. Visit their website for more …
How can I get help paying for rehab?
Dec 30, 2021 · If you need drug or alcohol rehab and have little or no insurance and very limited resources, state-funded rehab facilities are an option you can pursue. Local- and state-funded rehab centers are tax dollar-funded addiction treatment facilities, so essentially the programs accept money from the government to provide alcohol and drug rehab services to people who …
Do I need insurance to go to drug rehab?
Jan 11, 2018 · Even if you don’t have insurance, there are still flexible payment options which could help you to obtain treatment for a drug or alcohol addiction, including financing and a variety of scholarships and grants. Choosing a comprehensive treatment program is an investment in your future.
What is prosper financing?
Prosper provides healthcare financing with low interest rates and fixed monthly payments to help you pay for treatment. Visit their website or call their customer service line at 1-800-625-7412 for more information. LightStream offers medical financing options.
What is the first step in recovery?
Medical Detox. Medical detox programs are often the first step in the recovery process. Depending on the substance, length, and severity of your addiction, you may be slowly weaned off the drug in tapering doses to help minimize the uncomfortable, and sometimes dangerous, side effects of withdrawal.
How long does detox last?
Detox programs typically last 7–10 days and cost 3. Once you are medically cleared by the detox facility you will enter inpatient or outpatient treatment.
Does Medicaid cover substance use disorder?
Answer: Yes. Every state is different, but they all cover behavioral health services for people with substance use disorders. To find out what your state covers, you can call your State Medical Assistance (Medicaid) office or visit Medicaid.gov.
What is residential addiction treatment?
Residential programs provide you with a sober, safe environment to focus on your recovery. Inpatient addiction treatment typically includes a combination of individual therapy, group counseling, therapeutic medications (when necessary), health education, aftercare planning, and other activities depending on the facility.
How long does a PHP program last?
PHPs play a vital role in drug and alcohol abuse treatment. In terms of a treatment intensity spectrum, these programs fall somewhere in between inpatient and outpatient treatment. PHPs prevent full hospitalization and support your transition from inpatient to outpatient treatment. In a PHP program, you may spend 4–8 hours in treatment per day, at least 5 days a week, for at least 3 months. 4
What is an IOP treatment?
IOP treatment is sometimes used as a step-down from inpatient rehab or PHPs. You may go to an IOP before transitioning to standard outpatient treatment and living back at home full-time. IOPs focus heavily on group therapy and are family-therapy oriented.
The Purpose of Rehab Centers
Rehab serves many purposes, but it primarily gives those with substance abuse disorders the tools they need to beat addiction. It offers resources to individuals facing addiction so that they will be more likely to abstain from using on their own after finishing the program and leaving rehab.
Types of Rehabilitation
First, there are two types of rehab facilities: inpatient (residential) and outpatient. Residential centers provide around-the-clock care for patients and typically keep individuals in their programs for one month to one year.
Rehab Payment Options
There are actually several options available for people with substance abuse disorders who don’t have insurance. Here are six to choose from:
Taking the Next Step to Recovery
The next step after knowing your options is to do your research. But which option would fit your current situation the best? What resources are available? The best way to find out is by calling a treatment facility and seeing what they recommend.
8 Tips on Paying for Rehab Without Insurance
Use these strategies if insurance is not an option for addiction treatment. Also be sure to look at different rehab options and programs to find the most affordable therapy and get the most for your money.
How to Become Insured
You might decide during this process that the time is right to find your child or family member an insurance policy that fits his/her life. There are several ways to browse what’s best for their situation and income.
Finding the Right Rehab Center
Once the payment strategy is decided upon, don’t delay in finding the best facility and getting the help your child or family member needs. At Footprints, we believe finances should not prevent someone from getting addiction help. Contact us today to learn about our finance plans and any insurance providers we accept.
What is state funded rehab?
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.
Can you ask for help with addiction?
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, may be willing to help to make positive changes in the addicted person’s life. Sit down with them and explain how much rehab without insurance costs, and they may be willing to help.
What is the purpose of a SAMHSA grant?
An individual 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.
What degree did Sharon Levy have?
After successful graduation from Boston University, MA, Sharon gained a Master’s degree in Public Health. Since then, Sharon devoted herself entirely to the medical niche. Sharon Levy is also a certified addiction recovery coach.
How many hours do you spend in a partial hospitalization?
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.
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).
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.
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.
Can I continue my health insurance after losing my job?
Maintaining your health insurance coverage during job loss can be anxiety inducing and overwhelming, but there are options available to you. Upon losing job-based coverage, your former employer may offer you COBRA continuation. COBRA (Consolidated Omnibus Budget Reconciliation Act) provides workers and their families with the opportunity to continue the group health coverage that they previously had under their employer’s group health plan—for a limited amount of time.
What to do if you don't have insurance?
Even if you don’t have insurance, there are still flexible payment options which could help you to obtain treatment for a drug or alcohol addiction, including financing and a variety of scholarships and grants. Choosing a comprehensive treatment program is an investment in your future. Treatment can be costly, but so can an addiction, and of these, ...
How many people in the US have substance abuse?
According to the American Society of Addiction Medicine “Nearly 20.5 million Americans suffer from a substance use disorder (SUD), yet only 1 in 10 people with SUD receive treatment.” One of the biggest reasons people refrain from seeking substance abuse treatment is due to financial reasons.
Is treatment an investment?
Choosing a comprehensive treatment program is an investment in your future. Treatment can be costly, but so can an addiction, and of these, only one path grants you the opportunity to reclaim your life . Without treatment, if an addiction continues, a person can spend massive amounts of money on drugs, the lifestyle which accompanies them, ...
What is a scholarship for addiction treatment?
Scholarships for addiction treatment are typically offered by a foundation, non-profit, or from the treatment facility itself. Many scholarships actually require that the applicant have either no insurance or be underinsured to the point their benefits aren’t ample enough to cover treatment.
Is drug rehab outpatient or inpatient?
For this reason, some individuals may choose an outpatient program instead of inpatient drug rehabilitation, while others may settle for an inpatient program of lesser quality.
What happens if you continue to abuse drugs?
If a person continues down the path of addiction, their physical and mental health will begin to suffer, to the extent that illness and disease take over. Many forms of drug abuse can lead to death.
Is inpatient rehab more expensive?
Inpatient programs, while generally more expensive , provide greater access to addiction specialists, behavioral therapies, and other treatment methods which teach important recovery principles, coping methods, and relapse prevention skills. Though cost should surely be a concern, it shouldn’t be the only factor you take into account.
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.
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 .
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.
Does medicaid pay for medical bills?
Those with Medicaid often pay nothing for medical costs, though a small copayment might be required. 7. Medicaid and Medicare may provide insurance assistance or support with drug or alcohol addiction treatment and rehab.