How Much Debt Will I Go Into if I Go to Rehab Without Insurance?

It’s understandable that after fighting an addiction, you’re more than ready to get help. Of course, there will be decision you need to make. The first decision you’ll need to make is where to get treatment. However, your availability of financial resources could play a role in which rehab you choose.

If you had healthcare insurance, your field of potential choices would be much larger. Why? Thanks to the Affordable Care Act of 2009, healthcare insurance providers are required to cover rehab costs in the same manner they would cover the costs of any other medical condition. Unfortunately, the fact you are reading this information would seem to indicate you might not have insurance.

In such a case, you would need to be a little more sensitive about the cost of getting addiction treatment. The biggest issue you would likely encounter is trying to find the right balance between the level of care you want and the level you can afford.

How Much Debt Will I Go Into if I Go to Rehab Without Insurance?

If we are talking about debt right off the bat, it’s possible you don’t have any other recourse or financial resources. If that’s the case, you’ll certainly want to find a treatment facility that offers what you need at a reasonable price.

Remember, addiction treatment centers are department stores that can offer a lot of discounts. They are businesses that have to either generate profits for stakeholders or meet expenses for a nonprofit organization.

Assuming whatever costs you incur you will require you to take on debt, you’ll need to decide how much debt you believe you can carry without putting too much stress on yourself. That’s an important consideration because the last thing you need to deal with when you leave rehab with a fresh start is stress. What you can afford without creating stress would be your budget. Using that as your guideline, you could reach out to a number of rehabs and locate the one that’s able to give you the biggest bang for your buck.

In all fairness to you, the information listed above assumes you would need residential treatment. While that’s almost always the best treatment option, there are some alternatives you might want to consider. To answer the question above, residential treatment could run as much $5,000 to $10,000 a month, depending on the facility and treatment options you might require.

Let’s look at other alternatives.

Outpatient Treatment

If you simply can’t bear the cost of residential treatment, you might find that an outpatient option makes more sense. Outpatient programs eliminate the need to live within the facility. These types of programs work best for people who have the capacity to abide by rules and show up to scheduled meetings on time. If you can do that, there’s three outpatient options worth considering.

A partial hospitalization program would require you to spend 5-7 days a week, 6-8 hours a day in intensive therapy for 2-3 months. The total cost might run $5,000 for the entire program. At the next level down, you might find an intensive outpatient program to your liking. You would need to be onsite 3-5 days a week for 4-6 hours a day for several months. The cost would run around $3,000-$4,000 for the entire program. At the lowest level of treatment is standard outpatient care. You would spend 2-3 days a week for 2-3 hours a day for several months. The total cost would run about $2,500 for the entire program.

Other Payment Alternatives

If the numbers we provided above still fall outside of what you would consider your budget, you might have other options. For instance, some rehab facilities will offer full or partial scholarships. There’s also a number of charities working throughout the country that might have resources available to help you pay for rehab. It’s one of those things where you have to open your mouth and ask. There’s no need to feel ashamed or embarrassed. The addiction treatment community is well aware that people with addictions often have financial issues as well. You’ll be surprised at how far people and groups will go to help you if you are serious about recovery.

The bottom line is this. We hope you won’t let financial issues deter you from getting help. Your welfare has more value than money. For more information about treatment and covering the cost of treatment, please give us a call at 833-762-3739.