Finding Affordable Rehab through Insurance, Loans, and More

Approximately 23.5 million Americans struggle with addiction to drugs or alcohol. Sadly, only about 10% of them receive any evidence-based treatment or rehabilitation. There are a variety of reasons why someone struggling with addiction might not seek help, but most of the time, it?s because they can?t? not because they won?t. In fact, one of the biggest obstacles that people face when trying to get help is the increasingly high cost of addiction treatment. Most treatment programs today? especially inpatient ones? are just too expensive to afford. As a result, finding affordable rehab options is so challenging that people who may actually want help are discouraged from getting it at all.

affordable rehab 3

The Cost of Addiction Treatment

The cost of treatment can range anywhere from a few hundred dollars to thousands, depending on the facility and the types of services they offer. There are a wide variety of factors that influence someone?s ability to find an affordable rehab program. These typically include:

  • the comfort or luxury of the clinical/residential setting
  • the level of treatment accommodation (i.e., inpatient, outpatient, PHP, etc.)
  • whether or not the clinic, hospital program, or private facility has government funding
  • the availability of specialized treatment (e.g., dual diagnosis rehab, faith-based programs, etc.)
  • whether or not the rehab offers post-treatment recovery services or continuing care (i.e., individual counseling, group sessions, etc.)

What If I Don?t Have the Money for Rehab?

Having, saving, and spending money has been a constant problem in America since the downturn of the economy. Unfortunately, even the most cost-effective addiction treatment might be too expensive for some. Fortunately, more and more public assistance options are becoming available to make addiction treatment both more accessible and more affordable. Also, people are starting to get more opportunities to lessen the impact of treatment cost by having some of it? or sometimes even all of it? covered by loans, scholarships, or specialized insurance policies.

affordable rehab 4


Today, most credible addiction treatment centers will find ways to support patients looking for affordable rehab. One of the most increasingly popular methods of financial support is through loans. In fact, there are specialty loan companies that focus solely on funding addiction treatment for individual patients. This is one of the best options for finding affordable rehab, especially if you can reimburse after treatment is complete.

Specialized Loans for Affordable Rehab

Many financial institutions today specialize in addiction treatment financing. The two most well-known examples are My Treatment Lender and Prosper Healthcare Lending, both of which cater specifically to those looking for affordable rehab. Financial institutions like these usually offer specialized, affordable loan packages that can cover the bulk of treatment costs. Enlisting financial help from places like this will allow you or your loved one to reimburse the rehab coverage over time once treatment is complete. In addition, most specialized loan companies have lower interest rates, so there is less pressure when paying back in increments over time. To see if you are eligible for an addiction treatment loan package, talk to a loan company representative. If you qualify, getting help can be as simple as filling out a form.

Personal Loans for Affordable Rehab

If you do not qualify for a specialized loan, you still have other options. For example, you could take out a personal loan with a bank or other lender. This is an especially viable option if you have a healthy credit history and credit score. Of course, as with any loan, you?ll have to list your assets, income, expenses, and other similar information by providing pay stubs or bank statements.

If you?re considering a personal loan to afford rehab, be sure to do your research and read the fine print. Interest rates and reimbursement terms for personal loans vary depending on the lender, so take the time to find the best plan for yourself. Generally speaking, fixed payment loans are better than variable loans for affording rehab?you?ll be better equipped to handle monthly paybacks.

Scholarships or Grants

If taking out a loan isn?t an option for you, one of the best ways to find affordable rehab is by applying for a scholarship or grant. In most cases, scholarships or grants will at least provide partial coverage for addiction care. Several organizations offer these to help low-income individuals afford medical treatments like rehab. Typically, these kinds of scholarships are available through private treatment facilities, but other organizations may provide them as well. SAMHSA is an excellent resource for rehab scholarships and grants.

Applying for a Scholarship or Grant to Cover Rehab Expenses

If you?re considering applying for a scholarship or grant, the most highly-recommended first step is to contact the treatment facilities that interest you the most. Find out what types of scholarships or grants they accept, or if they provide any form of financial aid themselves. Some facilities will offer partial coverage, and others may offer it in full.

Don?t be afraid to ask questions. Most rehab facilities will point in the right direction if you aren?t sure where to start. They may even inform you of the kinds of scholarships or grants they?ve accepted in the past. Also, be prepared to answer any questions about your current work status, income, and insurance coverage, even if you don?t have any.

affordable rehab 5


One of the simplest ways to afford rehab is through health insurance policies. These policies carry benefits that are designed to make all forms of health care both affordable and accessible, including rehab. Thankfully, since addiction is classified as a mental health disorder, most health insurance policies offer some degree of coverage for rehab. In fact, a lot of people turn to their insurance policies to cover addiction treatment to the fullest extent possible.

If you have health insurance, talk to one of the plan administrators to see how much coverage you can get for rehab. Also, be sure to research treatment facilities that accept the insurance you have. If you don?t have insurance, you can apply for it in preparation for finding an affordable rehab program.

About the Affordable Healthcare Act

As previously mentioned, there are many types of insurance policies that offer coverage for addiction treatment and rehab. This is primarily because of the Affordable Care Act (ACA). The ACA requires that state-issued insurance policies provide the same level of care for mental health as that they do for physical health. This applies to all types of insurance programs, including the ones available through Medicare and Medicaid.

About Medicare

Medicare can provide coverage for addiction treatment at both inpatient and outpatient rehab facilities. Services like medical detox, counseling, and post-treatment continued care are covered in Parts A, B, and D of Medicare. These sections outline hospital, medical, and prescription drug insurance programs respectively. These options for affordable rehab are available to anyone with Medicare insurance.

About Medicaid

If you do not have insurance, Medicaid is one of the best options for addiction treatment coverage. Even though Medicaid coverage varies from state to state, it can, at the very least, reduce overall treatment costs. This is especially true for low-income individuals or even families who struggle with addiction. Of course, the kind of coverage you get also depends mainly on your eligibility. For most Medicaid insurance packages, coverage can extend to:

  • the elderly
  • the disabled
  • families with young children
  • pregnant women or couples
  • individuals or families within a certain level of income

It?s also important to note that the extent of Medicaid coverage depends entirely on the state you live in. Luckily, several states have expanded what Medicaid can cover through the ACA. By ACA expansion, Medicaid insurance covers addiction treatment and recovery services. Even the Children?s Health Insurance Program (CHIP), a branch of Medicaid, covers rehab. With this in mind, if you are eligible for and covered by Medicaid or CHIP, you?ll have access to affordable rehab as part of your coverage. However, if you don?t live in one of the states that abide by the ACA expansion, you can still seek treatment in a state that does.

affordable rehab 6

Online Resources for Health Insurance:
Links to Popular Insurance Providers (Alphabetically):

affordable rehab 7

Private Payment Plans

Every treatment center out there understands that financial hardships may prevent people from getting the help they so desperately need. Unfortunately, while the options mentioned above are invaluably helpful beyond a doubt, they may not be available to every single person in need of addiction treatment. With this in mind, many addiction treatment facilities and rehabs have begun to offer private payment plans for patients who are under-insured, uninsured, or even impoverished.

What Is a Private Payment Plan?

A private payment plan is a form of financial aid available at most rehab facilities today. In most private payment plans, patients can pay for their treatment in steady increments over the course of time rather than a bulk sum all at once. The facilities that offer such help usually have an array of payment options for patients to choose from, including automatic monthly payments, graduated payment plans, and even sliding fee scales.

Automatic Payment Plans

As the name suggests, automatic payment plans link to your account for electronic payments every month. It?s the same basic principle as automatic billing, which most banks implement in their client accounts for easy and convenient financing.

In addition, these types of payment plans are almost always tailored to your financial situation. If you want to set up an automatic payment plan, the rehab facility staff will work with you to determine how much you can afford to pay each month. A lot of it is based on factors like your income, work hours, insurance, etc. So, for example, if you work part-time and attend outpatient rehab, your automatic payment plan will be set to a reasonable monthly amount that doesn?t compromise other necessary expenses like rent and groceries. Then, naturally, the automatic payments will stop when the amount for treatment has been paid back in full.

Graduated Payment Plans

These types of plans involve incremental payments where the amount you owe gets increased little by little with each payment you send in, making for a shorter reimbursement period. This type of payment plan usually describes reimbursement for things like student loans, but they can also apply to rehab, depending on the facility.

Sliding Fee Payment Plans

Sliding fee scales describe prices for products or services that vary depending on what consumers can afford. As it pertains to affordable rehab programs, a sliding fee payment plan would allow you to pay what you can afford without any additional financial stress. This is the best option for those who are uninsured, underinsured, unemployed, or otherwise underprivileged.

If you are considering using a private payment plan of any kind, you can be sure that the treatment staff will work closely with you to personalize both the treatment plan and your payment method. Like any of the other financial options, private payment plans allow you to focus more on your recovery instead of how you?d pay for it.

affordable rehab 8

Affordable Rehab at The Treatment Center

There are many reasons why someone might not seek professional help for addiction. Unfortunately, money is one of those reasons. This is why more lenders, insurance companies, and rehab facilities are stepping up to ease the financial burden for those in need. This is also why The Treatment Center of the Palm Beaches accepts most insurances and offers private payment options. If you or a loved one needs professional help to get sober, don?t let your finances limit your recovery. Call us today at (866) 295-6003 for more information about our programs and services.