Monday August 20th 2018

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Rehab without insurance: What can you do?


Rehab for drug or alcohol treatment is costly. Rehab averages about $13 per day for outpatient treatment and more than $700 per day for residential treatment. Unfortunately, this is one of the biggest reasons that many people without insurance choose not to get the help that they need.

Having health insurance will often help greatly reduce the cost of rehab. But paying for rehab without insurance is also possible. You simply need to know where to look for help. In this article, we’ll show you how.  Then, feel free to ask any questions about rehab without insurance at the end.

Rehab without insurance

Getting drug or alcohol rehab without insurance may seem difficult, but it’s definitely possible. If you have no insurance, there are a number of different resources you can use to get the treatment you need.  And some surprising ways that you can make a stay in rehab more affordable

1.    Sliding scale fees are offered by many rehab and substance abuse facilities. These are fees that are based on your income and other aspects of your financial situation to ensure that you only pay what you can afford. The lower your income, the less you’ll pay.

2.    Financing options are also available at some facilities. By financing your treatment, these facilities allow you to make periodic payments toward your balance, so it’s easier to pay back.

3.    Government programs such as Medicaid might also cover rehab and other types of substance abuse treatment. You may qualify for Medicaid if you’’re considered to be a low-income household.  Also, state departments of health and human services administer federal government block grants. Call your state to learn more about how you can access rehab without insurance and benefit from these subsidized programs.

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4.    Non-profit organizations are also sometimes a great resource for anyone who needs rehab without insurance. Some community as well as national non-profit organizations, for example, offer grants to individuals who need rehab without insurance. Two non-profit groups to contact include the Salvation Army and the United Way.

5.    You may be able to file for a tax deduction at year end after receiving rehab without insurance. Check with a tax accountant for details on filing for a medical deduction if rehab costs more than 10% of your gross annual salary.

6.    If you still need help paying for rehab without insurance, you may be able to borrow the money. Possible lenders can include banks, credit unions, and loved ones. You may even be able to borrow funds from your own savings account, life insurance policies, and retirement accounts.

No insurance rehab centers

Several rehab centers are willing to help individuals with no insurance. Many of them offer reduced fees to lower income individuals as well. There are a few different ways you can find no insurance rehab centers. How can you target these resources?

  • First, ask your local hospital or doctor, if you have one; medical professionals will often be able to give you the names of a few rehab centers that work with people with no insurance.
  • You can also obtain a list of local rehab centers from your phone book or online, and contact each of them directly.
  • Finally, the Substance Abuse and mental Health Services Administration has a substance abuse facility locator. You can use this free online service to find substance abuse treatment facilities in your area that offer sliding scale fees or other types of payment assistance for individuals with no insurance.

No insurance rehab questions

We’re also more than happy to answer any questions you may have along the way. Please leave your questions about rehab and concerns about insurance in the comments section below. We’ll get back to you as soon as we can.

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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12 Responses to “Rehab without insurance: What can you do?
7:44 pm October 12th, 2016

Hi my name is Marcee…I have been trying to find out on many of theses sites about getting my son into a rehab center..but the problem is he has no job..why doesn’t he cause he has turned to Herion..he has been doin drugs for along time now..he started at 13 or 14 an now for the past 2yrs he has been shooting H..i don’t know who to call to talk to about any of this kind of stuff…i’m very scared for him, he has been living on the streets about 2 hrs.. our situation is a messed up 1

Lydia @ Addiction Blog
4:23 pm October 14th, 2016

Hi Marcee. Call the number you see on the website to speak with a trusted treatment consultant.

12:12 am August 12th, 2017

Need to get a friend some help but he has no insurance and needs help . I don’t know what to do.. he gets hurt and is sick..
Please help me help him.

4:02 pm August 16th, 2017

Hi Christine. You can Call SAMHSA’s Treatment Referral Routing Service at 1-800-662-HELP (4357) to get a 24-hour free and confidential treatment referral and information about mental and substance use disorders and recovery options. You can ask for licensed treatment programs in your friend’s local living area that have payment assistance programs for their clients.

9:58 pm August 13th, 2017

I have been on pain killers for 7years and don’t have a job or ins it’s started after I had two surgerys on my right shoulder. I don’t no where to turn to.

3:47 pm August 15th, 2017

Hi Erica. SAMHSA’s Substance Abuse and Mental Health Block Grants fund individuals without insurance or for whom coverage is terminated for short periods of time. For more info visit: or call SAMHSA’s National Helpline, 1-800-662-HELP (4357).

12:10 am October 4th, 2017

My son is on meth really bad he has no insurance an is living on the streets im very scared for him i love my son i just scared im going to lose him to drugs plz can anyone help i just don’t know what to to anymore

Lydia @ Addiction Blog
1:04 pm October 5th, 2017

Hi Maria. You may search treatment facility on SAMHSA’s treatment locator:
Also, call the helpline you see n the website to get in touch with a trusted treatment consultant.

10:22 pm October 18th, 2017

Hi my name is Maria i am really wanting to get into an inpatient facility asap. I dont know what kind of insurance i have or need. I live in washington. Im a tribal member but they dont want to help me because i left detox a couple of time. Please pretty please help me.

Lydia @ Addiction Blog
5:23 pm October 19th, 2017

Hi Maria. Call the helpline you see on the website to get in touch with a trusted treatment consultant who can help you find the best treatment for you.

12:39 am July 30th, 2018

hello my name is maree i live in the tampa area and am in need of help right away to detox and start a treatment before i loose everything. i have no insurance what do i do? please help me thank yiou

Lydia @ Addiction Blog
1:36 pm July 30th, 2018

Hi Maree. You may find a treatment facility on SAMHSA’s treatment locator here:

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