What If Insurance Won’t Pay for Rehab?

If you don’t have insurance or your insurance won’t cover inpatient rehab for some reason, you still have options. Rehabs that accept private insurance are more likely to use a sliding fee scale that considers your income and assets when deciding rates. Explore your options for paying cash. Does your employer offer a payment assistance program for substance abuse treatment? Can you use funds from savings, your IRA or your 401(k)? While these may seem extreme, consider the alternatives.

Financing for Addiction Treatment

To many people, the thought of paying cash for a rehab is difficult.

To help, most facilities offer financing options that enable you to break up the cost of treatment into multiple payments. Many work with finance companies that break the cost of the program into several years, at competitive rates. For example, the idea of paying $40,000 for excellent treatment might seem out of reach, but being able to pay installments of $700 a month might make it possible.

Treatment centers understand that people often need payment options and are used to answering these questions and providing solutions.

As with anything else, rehab is a “get what you pay for” proposition.

Addiction is deadly and there’s no way of knowing when it will strike its final blow. Drugs today are deadlier than ever, and both addicts and parents are often naive about the dangers of modern drugs (both street drugs and prescription drugs). If you’re waiting for your teen to “grow out of it” or your loved one to “hit rock bottom,” you are risking their life. If your loved one needed cancer treatment or heart surgery, you’d do what it took to get them the proper care. Addiction treatment is no different. What price can you put on a life? And if treatment is successful, then what would you pay for the addict to have good health, a long life and a happy future?

Don’t let “sticker shock” deter you from finding the right program to help you or a loved one. There are almost always workable options that can make successful treatment possible.

What If You Can’t Afford to Pay for Rehab?

If you’re going through hard times and you have no insurance, no access to private or bank loans, no employer assistance and no assets, you’ll have to rely on free treatment from one of the facilities that offers it or on government assistance programs like Medicaid, Medicare or state or local programs. In states that offer it, the Access to Recovery program provides qualifying individuals with vouchers that can be used for addiction treatment.

Remember though, free and publicly funded programs are intended for those with no options, and the quality of care is low. Please choose one of these options only as a last resort. Often, families turn to grandparents, family or friends for assistance before having to go to a publicly funded program.