4 Ways to Pay for Rehab Without Insurance by Rehab Recovery Centers

Addiction can wreak havoc on a person’s life. People who live with an untreated addiction are at risk of serious consequences to their physical and mental health, relationships, and financial health. They are at increased risk of serious legal trouble that can follow them for the rest of their lives. Because addiction changes the way a person’s brain works, it is often very difficult to stop using substances without professional treatment.

Effective substance abuse treatment involves medications, therapy, and healing holistic practices. The combination of evidence-based therapies and holistic treatments can give people the skills and support they need to overcome their addiction and live a healthy, fulfilling life. There are several levels of care and types of treatment programs available. The type of treatment a person needs depends on the severity of their addiction and other factors.

People living with addiction need comprehensive, high-quality care. However, many people put off getting the help they need because they do not have insurance coverage. While there are many low-cost or subsidized insurance plans available to people who need them, some people are unable to obtain insurance to pay for the treatment they need. In that case, a person would have to find a way to pay for rehab without insurance.

Here are four common ways people pay for rehab without insurance.

1. Payment Plan

Many treatment facilities offer the ability to set up a payment plan instead of paying a large sum upfront or at the end of treatment. This allows people to break payments into affordable monthly installments. For many people, choosing to make smaller payments over a longer period of time makes the most sense. It allows people to choose the treatment facility they want to attend and takes away the stress of needing a large amount of money at the start of treatment.

2. Apply for a Grant or Scholarship

The Substance Abuse and Mental Health Administration (SAMHSA) provides grants to people who need addiction treatment. These grants are non-competitive, meaning people do not have to apply for a limited number of scholarships. These grants are offered to help people who need treatment but do not have adequate insurance coverage to afford the care they need. While they are non-competitive, applicants do need to meet certain criteria that can be found on the SAMHSA website.

Some treatment facilities offer scholarships to uninsured people. You may reach out to the staff at the facility to ask about available scholarships or other funding opportunities. Some centers offer sliding scale or reduced fees for people who do not have insurance.

3. Fundraising and Asking for Support

It can be difficult to ask friends and family members for help. However, people who do not have insurance can often find financial support from their friends and family members. In many cases, a person’s friends and family may feel unsure of how to best support them. Asking directly for help to pay for rehab without insurance can give concerned friends and family a concrete way to assist their addicted loved one.

Some people also choose to ask their extended social network to support them by setting up a GoFundMe campaign or posting on social media. Others choose to sell personal belongings or fundraise in other ways to pay for rehab without insurance.

4. Attend a Subsidized Treatment Program

Many state-subsidized treatment facilities offer low or no-cost treatment to people without insurance. These centers have eligibility requirements for their patients. If a low-income person without insurance needs treatment, these facilities can give them the high-quality care they need.

In addition to state-funded addiction treatment facilities, many people qualify for a state-subsidized insurance plan. These affordable plans are available to low-income people in every state. Because of the Affordable Care Act (ACA), every health insurance plan is required to cover the cost of mental health and addiction treatment. This coverage applies to many evidence-based treatment programs in many levels of care, including:

  • Inpatient and residential
  • Outpatient
  • Partial hospitalization programs (PHPs)
  • Intensive outpatient programs (IOPs)
  • Medical treatment and medications
  • Some aftercare treatment options

Insurance plans offer different levels of coverage for addiction treatment services, so it’s important to verify your specific plan’s coverage before starting treatment.

Learn More About How to Pay for Rehab Without Insurance at Rehab Recovery Centers

If you or someone you love struggles with addiction and wants to learn more about how to pay for rehab without insurance, reach out to the knowledgeable specialists at Rehab Recovery Centers.

We believe that anyone can recover from addiction if they have the right support and treatment. Our admissions specialists will help determine the level of care you need, verify your insurance, and connect you with the professionals and programs you need to overcome addiction.

Don’t wait another day for the treatment you need. Contact Rehab Recovery Centers today to speak with an admissions specialist.

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Don’t go through the process of recovery alone. There are people who can help you with the struggle you’re facing. Get in touch with one today.