Can I Afford Drug and Alcohol Rehab?

Rehab is incredibly valuable for recovery, but it is not free. Costs vary by location, treatment, and length of stay, and there are ways to make the cost of rehab more manageable.

Explore Rehab Insurance

The first step in determining the affordability of rehab is to explore your insurance coverage. Contact the rehab center—or call your insurance company directly—to find out what your plan covers. Typically, drug and alcohol rehab is covered by private insurance companies such as Aetna, Blue Cross Blue Shield, Cigna, United Healthcare, and others.

If you don’t have private insurance, find out if the rehab center accepts public health insurance such as Medicaid or Medicare. Ask about deductibles, copayments, and coverage limits to learn what portion you will be responsible to pay.

Use Payment Plans

Once you determine what you will owe, don’t let the lump sum scare you. Many rehab centers offer payment plans or financing options based on individual circumstances. Some even offer scholarships that cover a portion of the treatment costs. And if you’re concerned about existing debt, such as credit cards, car loans, or a mortgage, ask your creditors for an extension on your payments while you’re in rehab. They may be willing to work with you if you’re proactive and upfront about your situation.

Make the Most of Employment Benefits

Nothing makes the cost of rehab more manageable than money coming in while you’re in treatment. Do you have sick days or vacation days saved up at work? You may be able to use that paid time off for rehab. Or if your employer offers short-term disability—and the policy covers drug and alcohol treatment—apply for that benefit to help defray the cost of rehab.

Ask for Help

It takes courage to seek treatment for addiction. It also takes courage to ask your family and friends for financial assistance—they may even consider it a privilege to support you on your journey toward sobriety. If you’re not comfortable accepting a financial gift, treat it as a loan to repay when you’re able.

In the long run, the costs of addiction far outweigh the costs of treatment. Drug and alcohol treatment is an investment in your health, your future, your very self—which is inherently worthwhile.

Beachside Rehab accepts all major insurance policies as well as private clients. Contact our trained admissions counselors at (888) 984-5288 to learn more about rehab insurance and our affordable payment plans.


Photo by Katie Harp on Unsplash