The costs of drug rehab. How to pay for drug rehab without insurance.

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costs of drug rehab

Here is some information about the costs of treatment, how to arrange insurance coverage, and some subsidized or public options.

There a number of drug and alcohol treatment options, but for people with severe addictions histories, for people who have tried and failed with outpatient therapy and for people determined to make a serious commitment to change; the intensive and healing therapy of a residential drug rehab can offer more than any other form of therapeutic involvement.

And although the decision to enter a facility is never taken lightly, even after you decide to get needed help, deciding where and with whom to get treatment presents a whole new set of complications. The options are many, the philosophies of care differ, and the costs of treatment can range from almost free public rehab, to money-is-no object private care.

In an ideal world, all people in need would be eligible for first class care and treatment, but within our current health care system this is not the case; and those people without the means or coverage for the best private facilities will likely struggle with the sizable admissions fees, which can be as much as $20 000 or more per month!

Costs

If you have insurance coverage

Ideally you have private insurance coverage that will defray some or all of the costs of your rehab stay, and if so you should find out how much you are eligible for, and find out which treatment centers in your area will work with your insurance provider.

If at all possible, the rehab themselves will deal directly with the insurance company, leaving you free from at least one worry over payment. Do not assume that although you have drug or alcohol rehab coverage, that it will necessarily fund any type of treatment or work at all treatment facilities. It is well worth it to ensure that you will not be left with a sizable bill at the end of coverage.

If you have no insurance coverage, you are left with two options.

You can fund your treatment entirely, or you can look for public treatment options.

Pay your own way...financing

Private rehab stays can cost upwards of $20 000 per month, and for some people, this level of care is simply impossible; but you should be prepared to invest a substantial amount of money in a future of sobriety, and if you can achieve sobriety, that initial treatment investment will be nothing compared to the long term savings from the costs of drugs or alcohol, from better workplace productivity, and from decreased health care expenses.

Many better rehab facilities have programs in place to assist people with lower incomes or without insurance coverage to get the treatment they need. This may mean a substantially reduced total cost of treatment, or this may mean financing and monthly payment plan options for the costs of the rehab.

Your month or more at rehab may cost as much as a small car, and you may be left with monthly payments of a similar magnitude, but if it works, it's always well worth it in the long run.

Public drug rehabs

There are hundreds of state and federally funded drug and alcohol rehab programs in operation, and many of these offer an excellent standard of care. If your income makes you eligible to participate, you may benefit from almost entirely free or free treatment. This can be a great option, but due to funding realities and strong demand, there are some negatives to public treatment.

The first problem is the waiting list, and most facilities operate with a considerable wait time for admission. Since addictions professionals recommend that someone conceding to a need for addictions treatment get help immediately, this is not ideal.

Secondly, because of the wait list and strong demand, the duration of treatment may be shorter, and the intensity of individual therapy with addictions professionals also less.

Anything is better than nothing…but get the best you can

When you decide to get help, realize that you will likely need to contribute a substantial investment into your care, and also realize that the savings of sobriety will more than offset this initial cost over time. Additionally realize that this is ultimately not a matter of dollars-and-cents, but of health and well being; and if you are harming your body, your soul, and your family…you cannot afford to continue with substance abuse.

  1. Invest in the best treatment that you can reasonably afford. If you have insurance coverage, make sure that it applies to any treatment facilities in consideration.

  2. If you cannot meet the payments for private care, ask them about deferred payments or financing, as many facilities do have programs in place for lower income participants.

  3. If you cannot afford any private care, get on a waiting list for public treatment immediately.

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Comments 12 comments

TJ 8 years ago

"Invest in the best treatment that you can reasonably afford... If you cannot meet the payments for private care, ask them about deferred payments or financing"

"...sizable admissions fees, which can be as much as $20 000 or more per month!"

Absolutely go to treatment, but don't fricken finance it. I've been around drug and alcohol treatment for a while now, and I can tell you for sure: the desire to get and stay sober is a thousand times more important than how much you pay for treatment.


RecoveryAdvocate profile image

RecoveryAdvocate 6 years ago

People finance cars, education and other less important things than life-or-death situations. Why not finance treatment if you like what the facility has to offer, believe that it will help you, you can afford the monthly payments and feel good about the decision to help yourself or your loved one get into the best program given the circumstances? There are many successful yet affordable drug rehabs out there to choose from, relatively speaking.


docrehab profile image

docrehab 6 years ago from MIAMI, FL

Well, why not going to a christian drug rehabs. They are non-profit organizations and they are still professional. Also you don't need be a christian and it's free!


zinneryone profile image

zinneryone 6 years ago from Plano, TX

There are several good points made here. The most important is that many people think that drug rehab is so expensive but when they think about how much money they will actually be saving when they are spending so freely on drugs then they will be shocked that rehab makes sense financially!


rehab worker 6 years ago

do not assume that drug rehabs are looking out for your best interests. they are buisnesses out to make money. the one i work in does give addiction treatment-while they squeeze the addict and their families for every dime they can get.


break 6 years ago

How can we as a society ignore that the federally funded or public system fails the addict. They are more revolving door system and not long term plans that work. To say take the best you can affor is ineffective. Truly having had a child in the program for years. They do not reach the core issue, they send them back out meds in hand. Visits to therapy and na or aa meetings.

There is no intense testing of the body and its reaction and thus a proper treatment for howa the inidividual reacts. Not only to meds, life stress, and the urge to reuse. They simply send you out and hope for the best. Triggers and managing them are core. But you dump them into meetings where there is no professional follow up with people after a meeting.

So what is said is out there and they still don't know how to properly cope. We all must acknowledge if we do understand this is systemic in nature. Maybe we can fix this. If you have over a 100 meeting in a smal cluster of towns ignorance is not bliss. Revolving doors are not working. Aid to these individuals like cancer or any other illness is necessary. For it is sometimes in the genetics.

Get a better course of action, pull the plug on systems that treat acute and push them out after a few days or weeks to deal with on their own. We are not all wealthy the market bad but if let unchecked this is going to get far worse with not hope of success.


lol 5 years ago

break i don't understand half the stuff you say. lol.


Hey 5 years ago

Hey break I understand what you said. Your right!!


Alex 5 years ago

That's a lot Of money...


new york drug rehab centers 4 years ago

nice stuff about the cost of drug rehab and how to pay for drug rehab thanks for that.


KEEPTHEDREAM255 4 years ago

Contrary to all the comments above South Africa offers some of the best facilities in the world Keep the dream 255 offers a 12 month process in a Christian facility including Extended Primary care, secondary care , Tertiary care, Step down and After care for life from as little as R8000 not even $800 per month !!! Check us out on www.keepthedream.org.za


Kim 3 years ago

It's interesting that you say the public facilities are "free" as if they run on rainbows and flowers and they aren't funded by taxpayers. How about this for a concept, if you make mistakes in your life, expect to pay for those mistakes and don't expect others to pay for them. They didn't make the mistakes, therefore, they shouldn't have to pay for them.

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