Going to Rehab Without Insurance: How to Get Treatment

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The decision to go to rehab is most likely one you’ve thought about more than once over a course of time. If money has been a factor that’s held you back, don’t let that be a hindrance any longer. There are options available when approaching rehab without insurance. It may be daunting to consider costs, but there are several ways you can still receive the treatment you need, even if you don’t have insurance or your insurance does not cover it.

During the decision-making process of choosing a rehab facility, we will navigate through the selection process with you. There are thousands of specialized drug treatment facilities in the U.S. Narrowing down the search may seem like a big undertaking, but not if you prioritize what’s most important to you when it comes to rehab. One of the top factors is cost.

Of the selections you choose, determine if your insurance covers rehab and how much of it will be taken care of through your policy. Our rehab facility’s accepted insurances are Aetna, Cigna, Blue Cross Blue Shield, and more. We can walk you through all the contingencies and complexities that come with insurance premiums and co-pays, so you know in advance how much is covered and how much would be paid out of pocket.

Not all rehab facilities will accept the same kinds of insurance as we do, so confirm with every facility representative you speak with that they accept your insurance for the program. A benefits or payment coordinator can walk you through the costs for what the totals will be for the duration of your stay. If you’re unsure how long you’ll be in rehab, you can discuss this concern as well.

But what about if you’re without insurance at all because you’ve let it lapse or you’re no longer employed? Don’t worry; there are still several other payment plans available even if insurance payments are not part of the plan. Money shouldn’t be a deterring factor in the decision to enter rehab. You cannot truly put a price on your sobriety as the benefits to be healthy and sober and endless. At the end of the day, there are often ways to get you the treatment you need. And, we can help you find them.


When there is an item or service that has a higher cost, financing is usually available. Because it’s wise to take care and take control of your health, you can consider rehab an investment well worth the money. Ask about the facility’s financing program during the research process. It may be through an in-house payment plan or they may use a third party. If they use a third party, find about interest fees or other regulations they might set forth.

Ask as many questions as you need to get answers that will make you feel the most comfortable with your choice. Here are a few starting questions to consider:

How long are the payment plans?
What is the cost per month?
Is there interest attached to the total?
Will the payment withdraw automatically if you’re set up on a plan?
What are the full terms of the financing?
What is included in the price of care?

Just like with a car, college education, or other medical-related bills, rates and plans will vary. Ensure you understand the conditions of the financing agreement and that it will work for your budget. In some instances, certain loan programs will provide a grace period post-rehab, in order to give you time to find a full-time job and start paying the balance. Make sure you’re aware of all these line items up front.

If the thought of going through financing seems too much to tackle on your own, enlist the care of others. We are available to listen to your concerns and work to find solutions. Our team is happy to chat through options and connect you with the right people that will set you up for success.

Family Financial Assistance

If you’ve discussed your addiction with your family before, then let them be involved when you are ready to seek treatment. Be upfront and honest with your request to borrow money. Even if your family doesn’t have a lot to give, every dollar counts.

Your family may think of creative ways to raise the money for you. There also may be savings you aren’t aware of that can be used for rehab. Try to be as open with your family as possible and find out a payment agreement that will make everyone comfortable. Your loved ones want to see you healthy and free from your addiction, which means they’ll do everything they can to make sure you get what you need to get sober.

Emergency Savings

Look into your savings or an emergency credit card to pay for treatment. Although this money may have once been reserved for a house or to secure a nest egg for retirement, but your recovery is invaluable and will be well worth the investment. Find out what kind of penalties may be accrued from taking out of your retirement early or if you have a current balance on your credit card. Depending on the situation, one option might be better than the other.

Often, we think of car repairs or job loss as “emergency” situations, but recovery for addiction can be placed right up there as well. It doesn’t have to pay for your entire treatment plan, but could alleviate part of the costs. When you consider rehab as a financial investment it’s important to think about what the cost of not going to rehab would be. Leaving your addiction untreated can results in the breakdown of relationships that are important to you as well as legal costs associated with drug or alcohol related activities.

Choosing the Best Value

Once you’ve considered ways you can pay for rehab, also take into account what other factors will determine where you go. Is it the location? Is it the amenities? Consider what you need out of rehab and what you want to gain from it, in order to support your sobriety. Weigh your options so you are taking into account what will be a motivating factor and also, how much of a budget you’ll need.

Of course costs will vary from facility to facility but at the end of the day, you want to be in an environment where you feel safe and supported. Oftentimes it is also helpful to get away from the day to day of your life and retreat to a place away from the people that may have fueled your addiction. Sometimes cutting cost isn’t worth risking your sobriety or recovery. It’s time to put yourself first and let us help you find the best financial path towards a successful stay in rehab.

Where to Get Started

Now that you know there are more financial options available, in addition to insurance, you can start narrowing down your choices. If you’re unsure how to begin pricing rehab facilities and making comparisons, let us help you start or organize your research. Things to consider:

Budget – What is the price range of what you can afford? Is there a maximum limit you want to stay under?
Location – Do you want to stay close to home or is an out-of-state location a viable option?
Financing – What options are available to you? Do you need assistance applying for aid?
Reviews – Does the facility come highly recommended or have you read other positive feedback about the treatment center?

If budget is your number one factor, then limit your selection to the top five or six choices from your entire list that have a budget that you can work with. Next, determine what’s next in line as most important. Is it the proximity to your home? This matters if you’d like to stay close to your family or find it more affordable to stay within your own city.

If location is a high priority, consider what parts of the destination matter most to you. Do you want to be near the mountains? Do you want to go to a city that you’ve enjoyed visiting in the past? Where will you feel most comfortable? You want to find the place with the best opportunity to grow and go through rehab successfully.

Another important deciding factor to consider is what are people saying about the rehab center. Do they work well with insurance? Is there a high success rate from former patients? When you are touring or exploring facilities further, these are the kind of questions that might help with how you rank them.

Ultimately, you want to seek rehab at a facility that meets all your qualifications or at least whichever one fits best. If you have a chance to visit the facility in person before reserving a place in treatment, you can get a real sense of if you’ll like it and have a chance to speak with a coordinator about your insurance questions as well. Also, keep in mind some facilities may have waiting periods before they can admit you. The more research you can do in advance can better your chances of going to the place that’s among your top choices.

What If I Can’t Pay?

After the research and the budgeting and asking questions, you may still be concerned about money. If you do not have insurance and are unable to find financing through other methods as mentioned before, we can find a treatment program that fits your needs. Since each situation is unique, let us know what financial aid steps you’ve already tried, so we can deliver a solution.

We will work closely with you to explore all possible avenues of financing and insurance in order to find what will work best. The important thing is to ask for help if you’re having challenges with the financial part of rehab. It can be stressful and discouraging, the opposite of how we want you to feel. We want you to feel hopeful and encouraged that there is hope for a new future for you. We want to you through this so you can begin concentrating on what’s most important: your sobriety.

Rehab: A Wise Investment

Even if you think you can’t afford rehab, don’t hesitate to call us and let us help you find a way. You may be surprised at the different options available. Seeking treatment at a rehab facility like ours is an investment in your health and allows you to fully focus on starting a new sober path.

When you receive treatment here, we provide a holistic type of care that treats you body, mind, and soul. Rehab is about overcoming our physical addiction, but it’s also about strengthening your mind and reconnecting you to the things that matter most to be your best, true self.

What about treatment appeals to you most? Focus on whatever that is to take the first step toward seeking treatment. Whether this has to do with figuring out logistics, finances, or finding out exactly what to expect once you get to rehab, we are ready to give you the assistance you need.

We want to learn about who you are and your story. By understanding your needs and hearing what you want to achieve from rehab, we can find you the best fit for treatment. We can set you on a path to sobriety and a promising future that will be set up in a successful way. Start by verifying your insurance and getting the answers to your questions met by calling us today.


American Addiction Centers. How To Find A State-Funded Rehab Center. Revised Sep. 2018, Accessed April 21, 2016.

Drug Abuse. How to Get Drug and Alcohol Treatment When You Don’t Have Insurance. Accessed April 21, 2016.

Choose Help… A Guide to Getting Into Rehab Without Insurance. Sep. 2015, Accessed April 22, 2016.

National Institute on Drug Abuse. Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition). Revised Jan. 2018, Accessed April 22, 2016.

National Institute on Drug Abuse. What to Do If You Have a Problem with Drugs: For Adults. Jan. 2016, Accessed April 23, 2016.

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