Drug or alcohol addiction treatment without insurance is costly. There’s really no way around that. For example, outpatient addiction treatment averages about $135 per day. Inpatient and residential facilities average about $700+ per day, but these centers need to charge more to make up for the cost of housing and feeding several individuals each day. Health insurance covers treatment costs and can help those who have it.
But if you have your heart set on inpatient drug or alcohol addiction treatment, there are a few different places you can turn to for financial help. You can look into centers that allow sliding scale payments, Medicaid and Medicare and other health insurance policies. But, what do you do when you have no health insurance coverage? In this article, we’ll attempt to point you in the right direction. Then, we invite your questions about help paying for drug or alcohol rehab with no insurance at the end.
Drug or alcohol rehab without insurance
Paying for drug or alcohol rehab without insurance is possible. In fact, thousands of uninsured people do it each year, often using one or more of the following resources.
1. Savings accounts
If you’re the type of person to save up for a rainy day, it may be time to break into your stash. Depending on how much you have in savings, you may be able to pay for some or even all of your drug or alcohol addiction treatment without insurance.
Borrowing money to pay for drug or alcohol rehab is completely acceptable, provided that you pay it back. You may be able to borrow money from trusting friends or family members, or get a loan from a financial institution. You can also borrow money from retirement accounts and life insurance policies.
3. Financing addiction treatment facilities
Some drug or alcohol addiction treatment facilities allow their clients to finance some or all of their treatment through them. This means that you’ll be required to make manageable payments to the facility over a period of time to cover the cost of treatment.
4. Sliding scale fees
Many drug or alcohol addiction treatment facilities offer sliding scale fees to clients that are unable to pay for the entire cost of treatment out-of-pocket. These are reduced fees based on your ability to pay. Income is the most common factor used to determine your sliding scale fees. Other factors include household size and additional household income.
5. Government programs
Low-income households may also qualify for free medical care, including drug or alcohol treatment, through some government programs, particularly Medicaid. The eligibility requirements for this program vary by state and county, but income and expenses of your entire household are the most important factors. Contact your local county assistance office or your state’s department of health and human services to find out if you might qualify for Medicaid.
6. Non-profit organizations
Community and national non-profit organizations sometimes offer payment assistance to individuals in need of drug or alcohol treatment without insurance. Some may even offer the actual treatment itself for free to anyone who needs it.
7. Choosing less expensive options
The cost of alcohol or drug addiction treatment will be determined by a couple important factors, including what type of treatment you choose. Selecting an outpatient addiction treatment center can significantly reduce your cost.
No insurance drug or alcohol addiction treatment centers
With no insurance, drug and alcohol addiction treatment centers may seem hard to find. However, this isn’t usually the case. In fact, many addiction treatment facilities accept clients who don’t have health insurance. The key is to know where to look and who to talk to. Here are some resources who can help:
- Medical professionals, such as doctors and nurses, will often be able to give you referrals to drug and alcohol addiction treatment facilities that may be able to help you.
- You can also contact a few different addiction treatment facilities in your area and ask if they may be able to help.
- Licensed clinical social workers can connect you with low cost treatment in your area, as well as important community services such as support groups, social services, and low fee counseling.
- Drug and alcohol addiction treatment facilities that offer sliding scale fees and other types of payment assistance can also found using the Substance Abuse and Mental Health Services Administration substance abuse treatment facility locator. This can be found online on their website at SAMHSA.gov.
No insurance drug or alcohol addiction treatment questions
If you have any additional questions about no insurance drug or alcohol addiction treatment, feel free to leave them in the comments section below. We strive to help all of our readers during every step of the addiction treatment process, and we’ll do our best to point you in the right direction.