With no health insurance, getting into a long-term residential treatment facility for substance use disorder can feel impossible. Securing affordable health care coverage is a challenge for many Americans, even those with full-time jobs. Without insurance, getting the proper treatment for your addiction can feel like an impossibility. The good news is that many long-term treatment facilities offer financing options, so you can access the care you need even without the money to pay for it right away.
The Cost of Rehab
The price range of drug and alcohol rehabs can range from around $2,000 for a 30-day outpatient program to over $20,000 at a long-term facility. Residential treatment is naturally going to cost more than outpatient services as the total cost includes your room and board as well as food costs.
There is also greater access to care in a residential facility, which offers detoxification services, administers medication and has specialized staff on-site 24/7. Doctors, nurses and counselors are always available or can be called if they are needed, which makes the cost of residential treatments more expensive to fund.
The exact amount of rehab insurance will cover varies depending on the plan and type of policy. Even government-funded health insurance programs like Medicaid and Medicare offer some form of drug and alcohol treatment coverage.
If you can’t afford private health insurance, and you are currently unemployed or have a low income, you might qualify for your state’s Medicaid program. You can learn more and apply for assistance by Googling “Medicaid in (your state here).”
How to Pay for Rehab With No Insurance
If you don’t have health insurance, there are still ways to cover the cost of rehab. First and foremost, talk to the treatment center of your choice. You may not be able to afford the cost of a resort-style facility, but there are still long-term residential rehabs that offer financing to people who are committed to their recovery.
Even if you are currently out of work, rehab may offer to let you postpone payment or pay a small amount every month until you complete treatment, find a job and can afford a bill.
If you do have a job, talk to your employer. Look at your company’s drug and alcohol policy first. Look at healthcare coverage options for sick employees. Some companies have a no-drug policy, which could jeopardize your position if you are honest about your struggles.
In this case, you have to either resign from your position to seek treatment or be honest and upfront with your employer. The signs of substance abuse are often more obvious than you think, so your boss may already have an idea that something is going on. Most companies have policies in place that protect the jobs of people who are seeking treatment for substance use disorder.
The Family and Medical Leave Act (FMLA) can secure employees who have worked for at least 12 months in their position up to 12 weeks of paid leave. You can take off for family or medical reasons, and you may not even be required to fully disclose the extent of your condition, only that you have one that requires time off to treat.
Remember You Have a Medical Condition
One of the most harmful stigmas surrounding addiction is that it is a choice. If people wanted to stop, they simply could. In reality, addiction is a condition called substance use disorder. This is a diagnosable mental health disorder that insurance companies recognize.
Look up state-funded rehabs; sometimes, you can apply to receive treatment and go through a program without paying anything. If you are spiritual, there are a wide number of faith-based drug and alcohol recovery centers that offer free treatment programs.
Many of these programs, however, are not residential and do not offer the same level of medical care that you will probably need as you go through detox. Trying to detox on your own can be extremely dangerous. In some cases, it’s even life-threatening. The best thing for you to do is at least get medically-supervised detox and work your way to sobriety from there.
Money Isn’t Your Only Option
Paying for rehab is just one small aspect of treatment; your recovery, sobriety and well-being are much more important and valuable. Call us today to learn more about free rehab and financing options at residential treatment centers near you.
Our representatives are available 24-hours a day, so help is really just a phone call away at 866-300-6707.
Medically Reviewed: September 25, 2019
All of the information on this page has been reviewed and verified by a certified addiction professional.