How to Pay for Alcohol Rehab

Page Overview

Cost is a definite barrier for those in need of alcoholism treatment. Some expensive rehabs with elaborate accommodations provide specialized treatment, while other expensive rehabs with elaborate accommodations provide poor programming by unqualified staff, giving you a poor return on your investment. However, even though some rehabs have a luxury price, other affordable and effective alcohol residential rehab options are available when you understand the healthcare system and the differences between the various types of rehabs. Plenty of programs are affordable, accept your insurance, are willing to work with you on charges, and most importantly, will give you the essential treatment services, leading to the results you need.
There are different ways to pay for rehab, and just as with any expense in life, the pros and cons must be weighed with each option. Most people find they need to use a combination of resources to pay for rehab, including insurance, private pay from savings, loans, credit cards, asking loved ones, or even asking your church for financial help. It is important to remember the cost of rehab is minuscule when compared to the costs and damages years of alcoholism has on a person’s life. The health benefits, cost savings, no legal costs, improved relationships, enhanced work productivity, spiritual growth, and emotional well-being are all better off when a person chooses to invest in rehab rather than continue in their addiction.

How to Start

All this can be overwhelming, so we will walk you through finding out how you will be able to pay for alcohol rehab.

First, get your insurance information together (policy number, group number, primary policy holder, birthdate, Medicaid or Medicare information, and phone numbers for your insurance company, etc.). You can start to look up coverage on your own, but you will have much more accurate answers if you call up a treatment center or a placement service, and see what they can find out for you about your insurance coverage.

Second, learn about the costs of different types of treatment by calling and very openly discussing what a facility offers and charges. Ask what is included and what you pay extra for. Detox is the most expensive portion, then residential rehab, then outpatient rehab. Medical detox is more costly than outpatient detox. Understand that if you have your eyes on a vacation-like treatment center on the beach or in another prime location, you will pay much more. For a summary of costs you can expect with each level of care, click here.

Third, apply for loans if necessary. Talk to your bank or mortgage company, or ask at the treatment center for suggestions of institutions that might give you a loan. Or, check into Care Credit or a similar program that gives you money up front with no interest for six months to a year.

Finally, don’t be afraid to talk to family members or your church leadership about your need. Depending on your history, your family might be leery to give you money right now. Don’t blame them for this. However, if you have done your research and enrolled in a treatment program, you can demonstrate to them that you are serious about your recovery. They might just be willing to help out when they see you are committed to recovery and want to overcome your addiction, putting all its mistakes and costs behind you. Tell them they can pay the facility directly in case they don’t trust you handling the money. You can offer to pay the money back once you are on your feet again.

Stay Informed

You as the patient have a right to know what to expect with treatment, and what charges you will see for your rehab. Don’t be too shy, proud, or embarrassed to ask questions. Be especially careful with optional services. Some centers might charge extra for a single room, laundry services, or specialty therapies. You don’t need all the extras you will be offered. If you are concerned about cost, cut out as many of the extra perks as you can, and stick with a basic, but solid, treatment plan. You might need to look into a different level of care or even a state-run program if you can’t afford an elaborate a la carte program. If you invest your time and attention into even a basic faith-based program, you will see the results you want.


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