How Can I Afford Treatment?

Even though addiction treatment can seem highly prohibitive, it doesn’t have to be. Options for financial assistance, more affordable programs, and payment plans are widely available. It’s essential to view rehab as a critical investment in yourself that’s worth whatever it takes.

Use your insurance plan.

Most people find that insurance is the easiest way to pay for rehab. Private insurance companies often pay for at least a portion of addiction treatment, and some cover it completely.

If you don’t have health insurance when you decide you’re ready for treatment, it’s not too late to apply, thanks to the Affordable Care Act (ACA). Insurance companies must accept you, even with your pre-existing addiction condition. These plans will cover between 60 and 90 percent of your treatment.

Medicare and Medicaid insurance plans also cover addiction treatment. To qualify for Medicaid, you must be one of the following:

• Over 65 years old

• Over 65 years old

• Younger than 19 years old

• Pregnant or a parent

• Within a certain income bracket

Medicare provides insurance for disabled individuals or those over 65 years of age.

Ask about financing or payment plans.

Most treatment facilities will work with you to find a way to afford rehab services. Some will offer payment plans while others provide financing options, sometimes through a third-party money lender.

Apply for scholarships and grants.

Depending on your specific addiction or circumstances, scholarships and grants are often available to pay for treatment as well.

Substance Abuse Prevention and Treatment Block Grants (SBAG) are federal and state grants that cover rehab expenses for specific groups of people, such as pregnant and postpartum women and intravenous drug users.

Take advantage of your existing assets.

Selling any items that have monetary value can help pay for rehab. Consider anything that is replaceable and non-essential to your survival or well-being. Even if it’s hard to let go of, it might be the only way to get the treatment you need and deserve.

Home equity loans or a retirement account can also be used to cover treatment plans.

Talk with your treatment facility.

As soon as you’ve chosen a facility, discuss your financial situation candidly, and ask for their suggestions on how to make rehab possible. An open discussion ensures that there will be plenty of time to make all the necessary financial arrangements.

Find a non-profit or free treatment facility.

If all else fails, find a more affordable treatment facility. They provide the same care and treatment styles for reduced costs, work trade, or free. Keep in mind, the waiting lists for these programs and facilities are often quite long.