How Can I Pay for Rehab?

Most rehab centers will inform you how to pay for rehabilitation treatment services before you arrive at the facility.

Most addiction centers will not allow you to attend until payment is satisfied or a payment plan is verified. Some will allow you to pay as you go through your program.

How to Pay

Affordable Care Act – People who are signed up for the Affordable Care Act (Obamacare) are automatically eligible to get their drug and alcohol rehab treatment paid. Read more information by clicking on the Affordable Care Act and Rehab article.

Cash, Credit, or Debit Card – Many drug and alcohol treatment centers accept direct out-of-pocket payments with cash, credit, or debit cards. You can call a professional treatment advisor at the treatment center of your choosing to determine if payment plans are available. Make sure you check your credit limit to determine if your card balance will cover the full or partial cost.

ACH – Auto bank transfers from checking or savings accounts can prepay for addiction treatment services.

Fundraiser – Getting the funds through a fundraiser website like GoFundMe or Indiegogo is an option. A third party or accountability partner can manage the funds and ensure the rehab facility gets them. CoFund offers help to raise money for your health expenses. 

Scholarship – 10,000Beds offers a scholarship program for people without insurance coverage who want to apply for addiction treatment programs.

Grants – Substance Abuse and Mental Health Services Administration (SAMHSA) offers hundreds of millions in grants to cover the expenses for addiction treatment. Apply here.

Loans – Getting a personal loan from family or friends or a payday loan through a lending service is another way to pay for rehab services.

Refinancing – Refinancing a vehicle or selling a house is an option to pay for rehab.

Employers – Some employers offer Employee Assistance Programs (EAPs) to pay for programs to their employees who are suffering addiction problems. Moreover, you can request temporary disability to cover the cost.

Insurance

• Military insurance
  • Tricare
• Medicaid
  • Can apply for short-term disability that might cover the cost
• Medicare
• Private insurance
  • Blue Cross Blue Shields
  • Aetna
  • Humana
  • Cigna
  • Anthem
  • Health Net
  • Optum
  • Magellan Health
  • United Healthcare
  • Beacon
  • ComPsych
  • Coventry
  • Kaiser
  • And more
• Sliding scale – Payment plan offered by a facility

Most rehab facility websites will have a section where you can input your insurance policy number and the system verifies if it will be accepted.

Free Community Programs

Many substance abuse treatment centers have free support groups for sufferers to sit among their peers and discuss their plight. These support groups are normally free:

• AI-Anon (alcohol)
• State-sanctioned facilities
• Some teen recovery programs
• Churches and faith-based program
• Substance Abuse and Mental Health Services Administration (SAMHSA) search tool
• Behavioral Treatment Center search tool

Free Featured Treatment Centers

Most rehab centers are affordable. The ones with the following programs will charge high prices for the following drug and alcohol addiction programs:

• Inpatient services
• Mental health treatment (co-ocurring disorders)
• Substance abuse treatment
• Residential treatment
• Outpatient programs
• Partial Hospitalization
• Chronic illness treatment program
• Professionals rendering medical advice
• Medical emergency

Rehab costs vary, but there are a variety of ways to pay for medical bills. Call a financial advisor to discover the many options.