If you or a loved one needs help, please call us at 866-303-3480.

Paying for Rehab

If you are having difficulty paying for treatment for your drug addiction you may ask yourself what you want. The reason is that some patients don’t know that their health insurance covers rehab costs. Depending on your coverage you can find many ways to help defray costs for rehab. The cost of insurance will help you get better and you will not suffer any damage in the long term. Given the numerous types of addiction treatment rehabilitation programs that exist, you should be able to find an arrangement that suits you.

aying for Rehab With Health Insurance Health insurance is one of the most common ways to cover the costs of drug or alcohol rehab. When you verify your insurance with a rehab facility, they will let you know your insurance status and whether their facility is in-network or not. However, even when using insurance, you may have some out-of-pocket costs associated with treatment, such as: Co-pays.

Paying for Rehabilitation: Cost, Using Insurance and Treatment Financing Options

It can seem overwhelming to some people, and is a major reason why many people don’t seek help.1. The report found 18.1% of those aged 16 or under did not seek out alcohol and drug treatment because they were without insurance or low costs. Substance addiction can be managed and paying for rehab is possible through additional resources.

Find out more about Cigna’s plans and levels of coverage for substance abuse treatment services. While many insurance policies set a limit on the level of addiction treatment a person may receive, Aetna takes a more individualized approach.

mental health services administration, american addiction centers photo

American addiction centers

Check to see if your insurance is in-network at an American Addiction Centers location We’ll instantly check the coverage offered by your insurance provider. You may receive treatment at one of our facilities at a reduced rate.

In the United States, United Healthcare, Cigna, Blue Cross and Blue Shield, and Aetna are the four major health insurance companies that cover addiction treatment. Read more about these major insurance providers and the addiction treatment services they cover below. Many people’s policies under United Healthcare cover at least a portion of addiction treatment services, including detoxification and inpatient rehab.

Options for paying for rehabilitation

Several hospitals charge separately for their services. The payment options available in rehabilitation vary by the treatment sought. There are a number of medical care facilities available for recovering from traumatic experiences and a wide range of other injuries. For patients claiming medical coverage, typical deductible costs to pay for drug rehabilitation include 10%-50%. However, some plans cover 100% of treatment once deductibles have been paid. Alternatively, there is another way to enter rehab, in case one cannot make a payment. Depending on the type of financing you will have:

And at Northpoint Seattle, we’d love to help make these possibilities a reality for you. Our nationally accredited Intensive Outpatient Program in Bellevue, Washington has everything you need to kick your addiction and craft the new, healthier drug-free life you’ve always imagined.


Medicaid provides several benefits to people that are eligible; however, benefits vary from state to state. Currently, the state of Delaware has a program covering 30-day residential therapy. Rehabilitation centres need to be approved before costs can exceed $25,000 per year and are determined on a yearly basis based on treatment duration. While in Iowa, services can not be provided except for chronic illnesses. Depending upon where the patient chooses his/her inpatient program, their costs may be covered.


Medicare provides for in-patient treatment and in-outpatient services for a person in a psychoactive condition. They also cover inpatient programs at general hospitals and not psychiatric hospitals. Another important note should be noted that Medicare pays for 80% within the prescribed limits of psychiatric care, which means the remainder 20% is your responsibility.

Covering the cost of rehabilitation

Most people find costs a major hurdle when undergoing medical treatment. Sometimes, it feels like battling addiction to pay therapists to provide the necessary help to the patient, as difficult as the cost. The expense of rehab may prove an issue to people needing treatment. In most cases the rehabilitation costs depend on how much care you require. Residence therapy offers the best possible care, which often includes a health detox service along with 24 hour health support with specialist medical staff. They are usually best services for patients, but often most expensive.

Paying for Rehab With Insurance

Most private insurers cover a portion of drug abuse treatment, while others provide the whole thing. How can I get insurance coverage for residential services in my area? Several hospitals and medical offices are able to assist to alleviate barriers resulting from the journey. It is possible to determine if your therapy is a network facility. All information presented at this stage does not constitute finality because admissions processes have many moving parts.


The federal funds for states’ drug rehabilitation programs are funded through block grants by SAMHSA. Substance Abuse Prevention and Treatment Block Grants specifically offer programs for a specific group of individuals. Among the people eligible for this grant are pregnant or postnatal women and intravenous drug users.

Local and State-funded rehabilitation programs

Substance abuse rehabilitation facilities are subsidized primarily through local and state grants. State funding also assists in providing treatment for addicts in less expensive circumstances as well as free. The eligibility for federal funds vary by state so it is best that you visit a rehab center for a detailed description of their funding programs. Some of the kinds of treatments available at state-financed rehab centers: Are we ready to regain control of our lives? Find life-changing addiction treatment at American Addiction Center (AAC) across the country.

For example, in Delaware, 30 days of residential treatment are covered by the program. However, in the District of Columbia the rehab centers must be certified and approved before costs are covered and range by treatment length.

What are the benefits of state-funded programs?

Often in conjunction with jails or the courts for court-approved rehabs state-funded rehabilitation is a program in which a person receives a grant to operate rehabilitation programs. Because of limited funding these services usually lack amenities (private rooms, low staff-to patient ratio, and innovative therapies) that can be found at private centers. Try not to write them off state funding is a good way to treat those who need treatment with limited resources. Most of us can’t go into the private facilities. Take advantage of all these options!

It could be challenging to make monthly payments, and interest rates may be high. Payment on a Sliding Scale Some treatment facilities offer sliding-scale services for clients facing financial hardships. Sliding-scale fees will take your income and financial situation into account when charging for services.

Addiction Treatments and Cost of Rehabilitation

During a rehabilitation program for addiction problems the treatment process varies from one level of addiction therapy to another. It is possible that your addiction treatment program needs a number of sessions. According to your situation, you could switch between intense treatment and less intense treatments. Depending on your condition, addiction treatment varies from treatment to treatment. In analyzing the costs of addiction therapy one has to take into account the many variable variables in substance abuse treatment programs.

There is an option that helps you pay your addiction treatment fees. Several countries offer assistance for those who do not have insurance. Despite being overwhelming and expensive, there are ways to pay for treatment in a number of areas of your life. Do not wait too long to find help to get back to health. A drug treatment program offered at American Addiction Centres helps you to cover your treatment costs. If you do not have medical care, there is an easy way to get more information.

Paying for Drug and Alcohol Rehab Without Insurance

Since the cost of rehabilitation treatments vary significantly by length of stay and the rehabilitation facility can be very expensive, private rehabilitation funding can prove a viable solution. It may also occur when an individual lacks insurance and doesn’t have access to state and local rehab services. Financial assistance for alcohol rehab may be offered through your choice of facility. Those who have no insurance and need money for rehab should consider:

Utilizing the Affordable Care Act

Affordable Care Act (ACA) became law in 2010. The government has extended Medicaid benefits and established affordable marketplaces for individuals without insurance, including private or public coverage from employers. Those affected are affected because the legislation obligates all insurers to provide health care for substance abuse and treatment in the event they get sick from the drugs. If you have questions about a particular cover you can see this page.

Inpatient and outpatient treatment

Medicare Parts A and B cover services to treat SUDs and mental health conditions. This may include various levels of care like inpatient and outpatient treatment, medication and other clinical services. Medicaid is a program that is funded by states and the federal government.

Many treatment centers will assist with this task to help alleviate barriers that potential patients or caregivers may experience along the way. They can find out if the treatment center is in network and how many days and what services are covered under your specific plan.

How to pay for alcohol or drug rehab without insurance?

You might wonder what payment options are offered for alcohol rehab for someone without money? Maybe you wonder how to get to rehab for addictions with no insurance or by helping you to pay through funding? How can I afford treatment? Usually, the cost of drug rehabilitation is covered by private insurance. Generally speaking, free rehab is an option for those without insurance who need assistance in accessing treatment without insurance.

Affordable Care Act

ACA mental health coverage is not considered essential healthcare benefits. Accordingly, ACA Health Care Marketplace and Medicare plans must cover treatments in an equivalent fashion as medical or surgical procedures.4, 5 The specific benefits and coverage based upon the place of residence depend upon how they were selected. Many private insurers today consider SUD treatment a critical health advantage and offer SUD coverage to meet requirements under the ACA. Having a medical insurance plan in place can make you a good candidate without the need to apply.

How do I pay for rehab with Medicare or Medicaid?

Currently, Medicare covers people 65+ with disabilities and some people with End-stage Renal Disease. Medicare includes various sections that cover specific services. Part A and Part B of Medicare covers services for treating sulcoma. It could include different levels of treatment including outpatient care, medical care and clinical services. Medicaid is a federally-sponsored national program. Provides low-cost or free medical services to many low-income individuals.

Top Insurance Programs to Pay for Substance Abuse Treatment