Your drug habit is expensive. A four- to sixteen-week stint in rehab can also be expensive, and if you don’t have insurance or your insurance won’t cover the full cost, you might be tempted to default to your drug habit over rehab. You have more options than you may realize for low-cost or even no-cost rehab, and accordingly your drug habit is never the better choice.
If your insurance doesn’t cover rehab or you don’t have insurance, you should first consider Medicare or Medicaid. Federal and State governments also advertise addiction treatment resources on their websites that may be low-pay or no-pay. Some rehab centers will set up a payment plan, or will establish a means-based fee structure. In all cases, you might need to be creative and persistent to find a program or center that works with Medicare, Medicaid or other government-sponsored programs and that will set up a payment plan to cover your rehab when you don’t have adequate private insurance coverage.
You might consider outpatient rehab therapy, which will cost less overall than inpatient rehab. If you do identify a lower-cost inpatient rehab center, you should prepare yourself for a facility that will be less glamorous than celebrity rehab centers that you may see in the news. Don’t be turned off by the lower glamour level. These rehab centers will still provide the treatment you need if you can’t pay for or don’t have insurance that covers your rehab.
The Substance Abuse and Mental Health Administration (“SAMHSA”) maintains a list of treatment centers throughout the country, which is a good starting point for your research if you can’t pay for your own rehab. Faith-based services and community meetings of organizations like Alcoholics Anonymous are also good resources for information on paying for rehab when you don’t have insurance. Even if these organizations don’t have the information themselves, the people who attend meetings are frequently willing to share information and leads that can point you in the right direction.
Rehab is not a single-stage process. Both public and private insurance will be less likely to pay for experimental treatments, such as rapid detox or certain pharmaceutical detox treatments. If you can’t pay for those treatments, continue your search for a program or center that will work with your budget. Your lack of insurance and inability to pay for your rehab should not be a roadblock that keeps you from getting the rehab services you need.
You’ll need to approach your rehab honestly and realistically if you don’t have insurance that will pay for it. Rehab costs range from $135 per day for outpatient therapy, up to more than $700 per day for inpatient therapy at a high-end center. To pay for rehab when you don’t have insurance, you might need to use your savings, take out loans, look for government or private programs, and ultimately select a lower cost option. Remember, however, that your drug habit is expensive and that those expenses will never end until you break your drug habit. Maintaining your motivation and desire for rehab when you don’t have insurance that will pay for it is difficult. If you use all of your resources, you can get the treatment to break that habit.
Treatment Now is committed to providing you with the best information and resources for your recovery.
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