If you are in need of addiction treatment, nothing should have the ability to stop you from getting the help that you need. Not even money. 

Unfortunately, addiction treatment can be expensive. This is particularly true if you do not have health insurance to help cover some of the addiction treatment costs. 

To help you receive the help that you need, we are providing you with a detailed list of ways that you can go to drug addiction treatment without insurance. 

Get ready to finally get sober.

Get the Money on Your Own

Borrow Money

If you prove to your family and friends that you are serious about getting sober, they will likely contribute to some of your treatment costs. This is because they care about you and your sobriety. 

You may also get financial support from your family and friends for your addiction treatment because they are tired of coping with the stresses that come with having a loved one that is suffering from addiction. 

Although your close family members and friends may be willing to help you, do not take advantage of them. Only ask for a reasonable amount of money that is based on each family member’s’ lifestyle and income and the total cost of your rehab program. 

Fundraising and Crowdfunding

Another way to get the money that you need for rehab is to create a fundraiser. A fundraiser is when you have some kind of event that you create to get financial support. In this case, a fundraiser could be anything from a Kickstarter account to a charity sports game amongst your friends. 

You can also start a fundraising campaign on social media. Online fundraising platforms that you can use, outside of Kickstarter, include GoFundMe, YouCaring, CrowdRise, and Indiegogo. Another term for fundraising is crowdfunding.

Pay Out-of-Pocket

If all else fails, pay for your addiction treatment services out-of-pocket. Although this payment option is not ideal, it will require the least amount of work and preparation. Just make sure that you can truly afford to do this. 

To help you pay out-of-pocket for rehab without insurance, make the most out of any payment package that your treatment center may offer you. For example, if you can find an addiction treatment payment package that allows you to pay for your rehab in increments, that would be great. 

Personal Savings

If you’re really trying to pay for rehab without insurance and you do not have enough money to pay for it in your checking account, pull any money out of your savings account and use that money to pay for rehab. Although this may seem like a risky move, it will be worth it once you are no longer suffering from addiction. 

Sell Your Stuff

If you are really low on money and cannot pay for your rehab due to lack of insurance, sell any valuable items that you have that you are willing to part with. You can sell these items online or through a garage sale. By selling your stuff, you will hopefully make enough money to pay for any addiction treatment services that you may need. 

Utilize Country, State, and Local Government Programs

There are many programs and laws that the local and state government have to help people that suffer from addiction pay for their drug addiction treatment without insurance. Some of the government programs that can help you pay for drug addiction treatment without insurance are listed below.

Medicare and Medicaid

If you qualify, you may be able to receive federal and state health benefits that will cover the costs of your rehab through Medicare or Medicaid. If you are looking to attend alcohol addiction treatment, Medicare and Medicaid will likely be able to provide you with payment options. 

To qualify for Medicaid, you must be either 65 or older or under the age of 19. Otherwise, you need to be pregnant or a parent or have an income that is within a specific range. 

To qualify for Medicare, you have to be over the age of 65 or disabled. You may be wondering, does Medicare pay for inpatient rehab? Well, the answer is yes. Medicare will pay for inpatient rehab for up to 100 days within a benefit period.

State-Run Facilities

Most state governments offer free of charge inpatient and outpatient treatment. This is because state-funded rehab centers are funded by the government. Therefore, if you qualify to receive treatment at a state-funded rehab center, you will be able to receive detox, rehab treatment, and other rehab support such as aftercare without any insurance. 

To qualify for such a rehab program, you must show proof of citizenship and proof of residence in the program’s state. You must also prove your history with addiction, the level of intensity of your addiction, and that you cannot afford other treatment options. 

Depending on which state you are in, federally funded, state-run addiction treatment programs can occur as a separate agency or as a part of a larger health or behavioral health department. There are so many people that need a way to receive rehab without insurance. As a result, there is usually a waiting list to attend one of these state-run and federally funded treatment centers. Still, if you need it, the state-run treatment facility will provide you with some sort of addiction treatment support while you are waiting to attend. 

Affordable Care Act

Under the affordable care act, addiction treatment is an essential benefit. As a result, families are 2-3 times more likely to get coverage for rehab without insurance through Medicaid than through a private insurance. If you are looking to attend drug addiction treatment without insurance, you may even qualify for subsidized coverage with reduced premiums through the Affordable Care Act. 

Forms of Assistance

There are many different types of programs and forms of money that you can use to assist you in paying for your rehab without insurance. If you do not believe us, check out the list of different forms of rehab payment assistance below.

Payment Assistance

If you need it, some healthcare providers offer people payment assistance for treatment on a sliding scale. A sliding scale is a range of treatment fees that your healthcare professional will accept for patients with limited resources. For example, if the cost of one outpatient addiction treatment program session is $200.00, on your sliding scale, you may have to only pay $115 – $165. 

Therefore, treatment centers under payment assistance will be flexible with you and the amount of money that you pay them. As a result, you will receive lower fees.

Employee Assistance Programs

Employee Assistance Programs (EAP), are confidential programs to help you manage both your professional and personal issues in life. Having EAP benefits cost you, the employee, nothing. Other family members that are under your insurance may even be able to use your EAP benefits. To see if you have Employee Assistance Programs, look at your company’s benefits manual, and ask your human resources manager. 

Scholarships

There are scholarships that exist to help people go to rehab. Examples include The 10,000 beds Scholarship Program and the Sobriety Optimization League. The 10,000 Beds Scholarship Program covers the cost of treatment at participating centers. The Sobriety Optimization League helps people with substance use disorder to get care. 

Grants

The Substance Abuse and Mental Health Services Administration (SAMHSA) provides grants for addiction treatment. An example of one of these grants is the Substance Abuse Prevention and Treatment Block Grant (SABG). 

This grant provides drug and alcohol prevention and treatment programs to people who qualify. The people who qualify for the SABG are pregnant or postpartum women or intravenous drug users. 

Healthcare Services

Third-Party Healthcare Loans

Private loans are based on your credit and financial standing. Oftentimes, people suffering from addiction do not have the best credit or financial standing due to their previous reckless behavior. As a result, getting the opportunity to receive a third party loan to help you pay for drug addiction without insurance is ideal. 

Health Savings Account (HSA) Funds

You can use a Health Savings Account (HSA) funds to pay for any program that is within your addiction treatment. HSA funds are beneficial for people that want to attend rehab without insurance. This is because it will reduce the amount of out-of-pocket money that people will have to pay to receive addiction treatment. 

Specific, Hospital, Clinics, and Community Centers

There are usually options for drug addiction treatment without insurance at different hospitals, clinics, and community health rehab programs. You just need to inquire on whether or not your hospital, clinic, or community center provides these treatment options. 

Local and National Organizations

Also, many organizations, such as United Way, offer rehab programs that do not require insurance. There are even different local and national organizations that offer grants for outpatient rehab.

Loans and Credit

Personal Loans

You can always take out a personal loan for addiction treatment if necessary. There are several financial institutions that offer loans that cover addiction treatment. In fact, healthcare loans often have lower interest rates and are very flexible. Just beware that the amount of money within the loan that you qualify for will depend on your credit. 

Credit Options

If you want to use credit to pay for drug addiction treatment without insurance, get a credit card with a low-interest rate or no interest rate at all. That way it will be easier for you to pay back the balance each month. 

Non-Profit Services

Non-Profit Treatment Centers

Non-profit treatment centers are a great way to receive drug addiction treatment without insurance. This is because they provide treatment for little to no cost. For example, the Salvation Army has its own addiction treatment program that is free as long as you work there for 40 hours a week to pay off the cost of your stay. 

Faith-Based Treatment Centers

There are countless faith-based treatment centers that provide drug addiction treatment without insurance. The example we gave above with the Salvation Army is one of them. The benefit of attending a faith-based treatment center is that they are known for requiring insurance to be there. Also, faith-based treatment centers are very affordable. 

 Attend Addiction Treatment at Discovery Institute

Now that you know the different ways that you can go to rehab without insurance, you can breathe easy and focus in on receiving addiction treatment itself. If you want to attend one of the best drug rehab centers in NJ, look no further than Discovery Institute. Created in 1970, Discovery Institute is an expert at providing patients with different detox, rehab, and treatment programs.

To learn more about Discovery Institute, our services, and the different types and levels of insurance coverage that we provide, contact us today. 

Reviewed for Medical & Clinical Accuracy by Dr. Jeffrey Berman, MD

Dr. Jeffrey Berman, MDDr. Jeffrey Berman is a psychiatrist in Teaneck, New Jersey and is affiliated with Robert Wood Johnson University Hospital. He received his medical degree from State University of New York Upstate Medical University and has been in practice for more than 20 years. He also speaks multiple languages, including French and Hebrew.