Friday September 30th 2016

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No insurance drug rehab

Insurance

Drug rehab, like other mental health services, is very expensive, often too expensive to cover out of your own pocket. Average costs for outpatient drug rehab average about $135 per day, while inpatient drug rehab averages about $700+ per day. So, if you don’t have health insurance and are ready to overcome addiction, you’re most likely faced with the task of how to pay for drug rehab on your own.

What you may not realize is that there are a number of resources out there to help you and others just like you get the drug addiction treatment you need. In this article, we’ll try to point you in the right direction for no insurance drug rehab.  Then, we invite your questions about finding a drug rehab at the end.

Drug rehab without insurance

Health insurance can greatly reduce the out-of-pocket costs of drug rehab. Trying to pay for drug rehab without insurance, though, may seem nearly impossible to some. However, not only is it possible, there are a number of resources you can use to help make this task easier.  Some of your options for drug rehab without insurance include:

1. Drug rehab financing

Drug rehab centers may be able and willing to finance some or all of your drug rehab without insurance. This means that you’ll be able to make small payments over a period of time to pay for your treatment.

2. Sliding scale fee drug rehab

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Reduced fees are often available thanks to sliding scale fees. At a facility that uses sliding scale fees, you’ll only be charged what you can reasonably afford to pay, which is typically based on your income.

3. Borrow money

Borrowing money to pay for drug rehab without insurance is another option you may have. If your family is supportive of you decision to seek help for your addiction, for instance, you may be able to borrow enough money to pay for some or all of your rehab. You may also be able to borrow money from your own retirement accounts or life insurance policies.

Finally, a financial institution such as a bank may provide you with a personal loan so that you can attend drug rehab. Be wary of high finance charges and always avoid paying for drug rehab with a credit card.

4. Non-profit groups

Some non-profit groups may be willing to help you get the addiction treatment you need. For example, you may be able to get a grant to help pay for treatment. Some non-profits may also offer free drug rehab as well. Look into local non-profits and check in with a licensed clinical social worker in your area to target low or no cost drug rehabs where you live.

5. Government assistance

Medicaid is a government assistance program that can be used to help pay for medical services like drug rehab. Eligibility for Medicaid is determined by your household income and legitimate expenses. To find out if you qualify for Medicaid and if Medicaid will pay for drug rehab, contact your county assistance office.  Likewise, seek out drug rehabs that accept federal vouchers from the Block Grants program. Contact your state’s department of health and social services for more info.

No insurance drug addiction treatment centers

Drug addiction treatment centers that work with uninsured clients aren’t typically hard to find. In fact, the majority of rehab facilities will be willing to work with you if you don’t have health insurance. How can you do this?

Ask around. Finding no insurance drug addiction treatment centers in your area shouldn’t be too difficult. Your doctor or hospital can give you recommendations or referrals to rehab facilities that don’t require insurance and may be able to help you. The Substance Abuse and Mental Health Services Administration also has a rehab facility locator on their website. Using this free locator, you can find rehab facilities in your area that not only require no health insurance, but also offer sliding scale fees and payment assistance.

No insurance drug rehab questions

Any questions or concerns that you might have about no insurance drug rehab can be left in the comment section below. We look forward to helping all of our readers start their journey toward a healthier drug-free life, and we’d be happy to address any of your concerns.

Reference  Sources: SAMHSA: Free Substance Abuse Treatment
SAMHSA: Behavioral Health Treatment Services Locator
NCBI: Chapter 5. Outpatient Treatment Financing Options and Strategies
SAMHSA: Acceptance of Private Health Insurance in Substance Abuse Treatment Facilities

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