Can I Afford Rehab?

Are you unsure of how to pay for drug rehab? If so, you are not alone. Figuring out how to afford rehab can add a lot of stress to an already difficult situation. Millions of Americans battle addiction, and many have found themselves worried about the costs of treatment. This added worry can become overwhelming without a proper understanding of the options available to you.

Fortunately, rehab therapy is still within reach, and today you will learn the different options available to you. Here we will discuss how to get help paying for drug rehab, get insurance to pay for inpatient rehab, and pay for drug rehab without insurance. Ultimately, if you are ready to explore rehab options, we can help! Give us a call today at 385-327-7418, and we will help you find a center that can effectively treat your addiction without breaking your budget.  


Learn more about affording rehab below, and be sure to reach out to our treatment experts with any questions.

Can I Afford Rehab?

The Importance of Treatment for Addicts 

First, you want to truly internalize how vital rehab is as you look into treatment options. Addiction is something you cannot overcome alone. It impacts you, your loved ones, and your community.

Rehab can help you dig into the underlying issues that led to your addiction. The healing you will gain in treatment goes far beyond recovering from the habit. You will leave therapy with a toolbox you can apply to various challenging situations life throws at us.

Another benefit is that many treatment options allow and encourage the whole family to participate. Rehab is a way you can strengthen your support system and come out with a happier, healthier, and more productive life.  

Yet another reason to prioritize treatment is that it helps you prioritize your health. It is easy to get caught up in day-to-day necessities and lose focus on recovery. Fortunately, while in rehab, you have no choice but to place the emphasis back on your health. Thus, even as you continue to work, you will have that reminder to pay attention to your body and take care of yourself.  

Possibly the most significant benefit of all is the ongoing support that treatment provides. When you enter rehab, you build a network of people who have your back even after completing treatment. As you likely know, addiction is a journey with a lot of twists and turns. The support you gain from treatment can help you navigate the highs and lows that come on the path to recovery. 

Treatment Options 

Nowif you do decide to seek treatment, rest assured that you have plenty of options available to you. There are various treatments to choose from, depending on the type of substance an individual is addicted to.

For example, maybe you or your loved one struggles with opioid addiction: the primary focus would be detoxification. This is due to the severe withdrawal symptoms opioid users face, so admission into a treatment center would be significant if this is the case. Meanwhile, someone recovering from alcoholism may be better suited to go straight to a 12-step program 

There are also other options available for addicts looking for treatment. A lot of the recovery journey is trial and error: recovery plans have to be tailored to the individual. It is always possible that there may be a form of treatment better suited to your individual needs. Other treatment options include: 

Inpatient or outpatient therapy  

These could be short or long-term programs that allow you to seek treatment in either a center full-time or weekly.  

Partial hospitalization  

This can be a great option if you require a medically supported detox. 

Aftercare programs  

These are programs that provide continued support and care outside of standard treatment options. 

Being vocal about your specific treatment needs is extremely important. Finding a treatment that will easily allow you to create a new routine will help curb the possibility of relapse. Perhaps any anxiety you feel could be channeled into a new exercise routine while you navigate treatment.

It may even be helpful to find a creative outlet to cope with any feelings surrounding entering treatment. The emotions could lead the way to an inspiring song, a motivational poem, or a photo montage to spread awareness.

Ultimately, remember that there is nothing to be ashamed of. The pursuit of treatment will bring you to a place of health and self-confidence that far outweighs the temporary pleasure of addiction.  

The Hidden Costs of Addiction  

Did you know that the cost of drug addiction does not start with rehab? When considering the expenses, it helps to remember that untreated addiction is far more costly than recovery. The abuse of drugs and alcohol is an expense the country has to bear. According to, “abuse of tobacco, alcohol, and illicit drugs [exacts] more than $740 billion annually in costs related to crime, lost work productivity and health care.”

Addiction is an expensive disease to fight for so many reasons. It has a wide variety of hidden costs, mostly when left untreated. Some of the health costs of addiction include: 

  • Increased risk of cancer, mental illness, stroke, or heart disease.  
  • For example, changes to your appearance are “meth mouth” caused by the destructive effect of meth on the teeth.  
  • Increased risk of getting or spreading sexually transmitted infections (STIs). STIs often spread when tools like needles are shared or when drug abuse leads to unsafe practices like unprotected sex.  

Drugs and alcohol do a number on your body. Continued abuse of these substances could leave you with lifelong illnesses that would be far more expensive to treat than the actual substance abuse issue itself. When you decide to seek treatment, you are saving your health, protecting your community, and laying the foundation for brighter future.  

How to Pay for Drug Rehab 

Now, let us take a look at how to pay for drug rehabThe first thing you should know is that costs will vary based on a variety of different factors. Some of those factors include the type and number of sessions you need. According to the Center for Substance Abuse Treatment (CSAT), there is “an average cost range of $1,000 to $5,000 for outpatient treatment, an average cost range of $1,500 to $8,000 for methadone maintenance and an average cost range of $3,000 to $10,000 for adult residential treatment.” 

Those numbers may seem intimidating, but fortunately, there are various ways to avoid paying out of pocket. Some ways you can pay for rehab include federal and state government programs, insurance, or cash.  

Federal and State Government Programs 

Now, let’s break down how the local or national government can help cover your care costs. One way the government can cover the cost of your treatment is through grants.

A significant grant used for addiction treatment is the Substance Abuse Prevention and Treatment Block Grant (SABG). SABG is a grant that provides vulnerable populations access not only to treatment but prevention services as well. You may qualify for a SABG if you are pregnant or have children or if you are engaging in IV drug use.  

This is an excellent option because it provides resources for every point in the addiction journey. 

Paying for Treatment with Insurance 

Insurance is another great option for avoiding or minimizing the cost of treatment. You can use either Medicaid or private insurance to help cover costs. First, let’s take a look at the perks of using Medicaid for treatment.

With Medicaid, you are likely to have your treatment costs covered in full. According to, “nearly 12 percent of Medicaid beneficiaries over 18 have a SUD. Many states have included behavioral health services for individuals with SUD in the State Plans.”  You can check your local state programs for further information on finding Medicaid coverage.  

Now, private insurance is slightly different but maybe more accessible if you exceed the Medicaid income levels. You may choose to opt-in through an employer or find your provider on the free market. The Affordable Care Act (ACA) made addiction a covered health issue, meaning Marketplace plans cannot put a dollar limit on the amount of coverage for it. One nice thing about private insurance is that you can individualize your objectives and focus on getting the care you want.  

Paying Outright 

The final option for paying for substance abuse treatment is to pay in full. This option takes out a lot of the guesswork involved with insurance or grants. Frequently, treatment centers will offer a sliding scale that charges you based on your income level.  You may even be able to enter a payment plan or opt for financing. These options ensure that you are not denied treatment based on finances. 

Finding a Treatment Center  

Now you know how to pay for drug rehab, it is time to look into treatment options. Treatment is the surest way out of addiction. It gives you the tools you need to handle the ups and downthat life throws at you.

You will come out of treatment healthier, stronger, and more educated on addiction. Patients will also emerge with a better understanding of the root causes of their substance issues, as well as a new and lasting support systemYou can even involve the whole family and help them gain the tools to cope with their household change 

As we discussed, treatment can be paid for using insurance, cash, and even grants. You can pay for treatment in stages or all at once. The most important thing is to take action as soon as you can. The sooner you decide to take that step, the sooner you can free yourself from addiction. 

It can be easy to get bogged down in detail and put it off, but that can costs you so much more in the long run. Don’t let money worries stop you from taking care of yourself. You have options. And we can help.

Our experts can help you find a treatment center that fits your lifestyle, budget, and individual needs. Give us a call today at 385-327-7418 

Written by Meccah Muhammad

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