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Paying for
Addiction Treatment

One of the main challenges people face when considering addiction rehab is cost. How much rehab will cost you as an individual will depend on your unique treatment needs. My Recovery Source is here to help you figure out how to pay for drug rehab.

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The Monetary side of addiction treatment

An Introduction to Paying for Rehab

It is essential to remember that there are affordable treatment options for everyone, regardless of income. The total cost of addiction treatment varies from center to center and further changes depending on the region in which you seek treatment. Some programs are free, while others may cost tens of thousands of dollars. Indeed, it can be scary to consider committing to something costly, like rehab. However, it is essential to remember that seeking and completing addiction treatment is an investment in your mental health and physical recovery from addiction. At My Recovery, we can help you find accessible treatment options regardless of your resources. 

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How Do I Pay for Rehab?

While it may seem costly when first looking at the numbers, addiction treatment is not nearly as expensive as drug and alcohol addiction. When someone struggles with an addiction, they are more likely to experience adverse impacts on their finances due to job loss or skipping work. The health issues, legal repercussions, and loss of work productivity all add up over time. In total, the cost of rehab often does not add up to the overall cost of ongoing addiction. There are several different funding options available to pay for rehab. Some of the most common include insurance, self-pay, and state or government funding. State or government-funded rehabs are available in some states for people who meet requirements for low-income rehab. These facilities are usually nonprofit organizations offering addiction treatment at a free or reduced cost. One of the most well-known organizations providing this type of service is the Salvation Army. There are also state-funded rehab programs available in many states. My Recovery can help you learn more about these programs and help you determine if you qualify for these services. 

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Learning about insurance coverage

Does My Insurance Cover Rehab?

With the passing of the Affordable Care Act 2010 (also known as Obamacare), addiction treatment has become more accessible to more people. The Affordable Care Act expands treatment options for those covered by Medicare and Medicaid while requiring many insurance companies to include addiction treatment options in their standard insurance plans. The Health Insurance Marketplace also offers Affordable Care Act sponsored programs which provide addiction treatment coverage are required to provide coverage for addiction treatment as they would any other medical procedure. In other words, insurance must cover your treatment from start to finish. For those utilizing outpatient treatment, Affordable Care Act Plans cover things like evaluations, treatment medications, clinic visits, testing, counseling, and home health visits. The Affordable Care Act also assists with inpatient care needs, including medically assisted detox, treatment, and therapy. Affordable Care Act sponsored plans are available to anyone searching for medical insurance, and depending on the coverage level of the purchased plan, insurance will cover between sixty and ninety percent of treatment expenses. 

Other insurance plans, including Medicare, Medicaid, state-funded health insurance, military, and Veterans Administration benefits, and private insurance, also provide varying amounts of coverage for addiction treatment. My Recovery can help you determine what your insurance company may cover. 

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Paying for rehab without insurance

What Is Self-Pay?

Unfortunately, not everyone has insurance or the ability to pay a monthly charge for insurance benefits. If this is the case, there are still ways to help you or a loved one get the help they need (and deserve) to get sober and stay sober long-term. When people hear that a program is “self-pay,” the first thing that often comes to mind is taking out a personal loan or borrowing money from friends and family. While these are indeed options, many self-pay programs offer cost-reducing payment plans to help make treatment accessible to everyone. This means that each person in the program may pay a different amount out of pocket for their treatment needs. There are generally two payment options available at most treatment programs (not including insurance). The first option is to look for a free or low-cost treatment center in your state. Many of these centers provide income-driven payment scales and, in some cases, provide free treatment. The downside to these options is that many of these treatment centers often have long waitlists and limited funding, which can make them challenging to get into. Depending on your addiction’s severity, it may not be safe to wait months on a waitlist of addiction treatment services. The other option is to look into addiction treatment centers that offer financing or self-pay options. Many rehabs provide self-pay plans on a sliding scale. This means the amount you pay out of pocket is directly determined based on what your income indicates you can afford. The goal of these payment plans is to ensure anyone can access addiction treatment regardless of their financial situation. Although you may be hesitant to take on debt, it is essential to remember that rehab is an investment in a healthier, addiction-free future. 

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Find a Rehab That Takes
Your Insurance

If you or a loved one have decided it is time to seek help for your addiction, the first step is to find an addiction treatment center where your treatment goals and needs are met. Don’t let the cost of addiction hold you back from seeking much-needed rehab. Remember that in the end, ongoing drug or alcohol addiction is significantly more costly in every way. Long-term addiction affects your financial stability, emotional health, physical health, and the health of your relationships. Addiction treatment can be expensive, but with the help of sponsored insurance plans such as the Affordable Care Act or private insurance plans like Medicare or Medicaid, essential addiction treatment is not out of financial reach. At My Recovery, we can help you find an addiction treatment program in your area that takes your insurance and provides affordable payment options for any part of treatment that is not covered as part of your insurance plan. Access to affordable addiction rehab is just a phone call away. 

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Who Answers?

For those seeking addiction treatment for themselves or a loved one, our helpline is a private and convenient solution.

Calls to our general helpline from your area will be answered by a My Recovery Source treatment advisor.

We are available 24/7 to discuss your treatment options. Our representatives work for a treatment center and will discuss whether their facility may be an option for you.

Our helpline is offered at no cost to you and with no obligation to enter into treatment. Neither this site nor anyone who answers the call receives a commission or fee dependent upon which treatment provider a visitor may ultimately choose.

If you wish to explore additional treatment options or connect with a specific rehab center, you can: browse top-rated listings, visit our homepage, or visit www.samhsa.gov, or by calling 800-662-HELP.