By Michael Burke
January 5, 2025
Millions of people in the United States live with substance use disorder (SUD). The effects of substance abuse and addiction can impact every aspect of a person’s health and well-being. It can harm their health, emotional well-being, relationships, and daily functioning.
While the effects of addiction can be devastating, only a small percentage of people with SUD get the help they need to recover. There can be many barriers between people with SUD and the treatment they need. Paying for rehab treatment may be one of the most significant reasons people do not seek treatment.
This article will explore some of the ways people can pay for addiction and mental health services. You will learn:
- How to use your insurance coverage to pay for drug and alcohol rehab
- How to cover out-of-pocket costs of rehab without insurance
- Where to find drug and alcohol addiction treatment
If you or someone you love struggle with substance abuse or addiction, you are not alone. Contact the intake team at Solutions Healthcare to learn more about payment options and financing options for rehab. Take the first step of your recovery journey by contacting us today.
What is the Cost of Rehab?
Addiction recovery is not a one-size-fits-all process. People have different needs during recovery and require different types of treatment. The cost of rehab can vary. Since people have different treatment needs, many levels of care are available. These include:
Programs and levels of treatment have different costs. Choosing the level of care you need to succeed in recovery is crucial. Before starting treatment, you will undergo an assessment to determine which type of treatment and level of care is best for your needs.
Rehab centers typically have intake specialists to verify insurance and create payment plans when needed. Contact Solutions Healthcare to explore different ways to pay for the treatment you need to overcome addiction.
How to Use Insurance to Pay for Rehab
The 2010 Affordable Care Act (ACA) is a law that requires insurance companies to cover the cost of addiction and mental health treatment. Empoyer health insurance plans and those on the open marketplace are likely to cover some or all of the costs associated with addiction treatment.
However, insurance plans can vary in their levels of coverage. It is crucial to understand the details of your specific plan. You may verify your insurance plan in several ways. You may:
- Call the number on the back of your insurance card and speak to a representative about your treatment options
- Research the details of your plan on your insurance company’s website
- Contact the Solutions Healthcare intake team to help with insurance verification
Your insurance company may require you to obtain a formal diagnosis of a substance use disorder (SUD) before covering the cost of rehab. You can obtain a substance abuse evaluation from your doctor or at Solutions Healthcare.
Paying for Rehab Without Insurance
If you do not have private health insurance through an employer, you may be eligible to buy insurance through the Affordable Care Act insurance marketplace. If you do not meet the criteria to buy a plan, you may be eligible for a public healthcare option, including:
- Medicare
- Medicaid
- VA insurance
If you cannot obtain health insurance, there are still other ways you can pay for treatment. Here are some ways to pay for rehab without insurance.
Free or low-cost rehab
Some states provide free or reduced-cost addiction treatment programs. These programs are in high demand and there is often a waiting list for admission. These programs may not be ideal for people who require immediate treatment.
Sliding scale rehab
Many treatment centers offer sliding scale treatment programs. This means the facility will consider a person’s finances and adjust treatment costs to make it more accessible.
Grants or scholarships
Some treatment facilities and recovery organizations offer scholarships or grants to people who cannot afford to pay for rehab. The application process can be lengthy and grants are limited. It is a good idea to begin the application process as early as possible.
Payment plans
Many treatment facilities offer the option of payment plans. Instead of requiring people to pay for substance abuse treatment upfront, centers may allow people to make affordable monthly payments for months or years after finishing treatment.
People often avoid getting help because they are worried about paying for rehab. However, there are many options available that make treatment more accessible. Contact your insurance company or rehab center to learn more about available treatment programs or to find ways to pay for rehab.
Find Treatment Now
If you or someone you love struggle with substance abuse or addiction, reach out to the intake team at Solutions Healthcare to explore our programs or payment options. We are happy to answer your questions, verify insurance, or schedule an intake appointment.
info@shc.health 
