What Are the Most Affordable Rehab Options if You’re Living Paycheck-to-Paycheck?

According to a study published by the Consumer News and Business Channel (CNBC), more than 78 percent of U.S. workers are living paycheck to paycheck, which means that these same individuals not only find it difficult to save for retirement but also to set aside money for unforeseen expenses, such as paying for substance abuse treatments to overcome an addiction to drugs or alcohol. Even with employer-sponsored health insurance, coming up with the money to cover co-pays and other out-of-pocket expenses associated with those treatments will still present some challenges. In short, the more than 21 million Americans who are struggling with drugs or alcohol and are still working may find it hard to pay for the treatments that they need to put addiction behind them. Fortunately, there are a variety of state and federal programs that can help.


If you’re living paycheck to paycheck and need help overcoming a drug or alcohol problem, a state-funded rehab facility may be worth considering. In short, these are facilities that use government and state funds to provide addiction recovery services to low-income individuals. And similar to private facilities, state-funded rehab facilities offer many of the same programs and services that are essential when it comes to helping individuals finally break the cycle of addiction. Some of these programs and services include

  • Inpatient treatments
  • Outpatient treatments
  • Partial hospitalization
  • Addiction counseling
  • Access to support groups


The first step in seeking substance abuse treatments at a state-funded rehab facility will be to find one in your area. Fortunately, the Substance Abuse and Mental Health Administration, commonly referred to as SAMSHA, provides a detailed list of state-funded rehab facilities that are available in each state. Because the process involved in being admitted into these facilities can vary from state to state, not to mention from facility to facility, it would be a good idea to contact the agencies that manage these programs or the facility themselves to go over eligibility requirements. That said, most facilities will require at least the following:

  • Proof of citizenship
  • Proof of residence
  • Proof of income

Along with these requirements, most state-funded facilities may also ask that you provide them with information regarding your addiction history, such as how long you have been using, how frequently you engage in drug or alcohol use, and whether or not you have tried to quit in the past. After you provide this information and any supporting documentation needed and have been deemed eligible, you can then start addiction recovery treatments.


Most will agree that there aren’t too many things that are free in this world; fortunately, this general truth is not one that applies to substance abuse treatments. Although availability may be limited, many states do have free rehab facilities that are available to those who are unemployed and have no other access to money. Similar to state-funded rehab facilities, SAMSHA also provides a comprehensive list of these free rehab facilities for each state. Of course, it is worth noting that the Salvation Army, which has operations in nearly every state in America, also offers free substance abuse treatments for those who need them but do not have the financial means to pay for them. It is important to note that there are requirements that must be met before you can be admitted into a free rehab facility, some of which include the following:

  • Must demonstrate an inability to pay for treatments
  • Must demonstrate a need for substance abuse treatments
  • Must demonstrate a commitment to overcoming addiction

To learn more about the eligibility requirements for free substance abuse treatments, you should contact your local SAMSHA office or the facility where you plan to seek help for your addiction.


If you’re serious about overcoming drugs or alcohol but don’t have the ability to pay for substance abuse treatments, there are a variety of programs, facilities, and resources that can help you get your life back on track. To learn more about any of the topics covered in this article, consider speaking with one of our associates today at 833-762-3739.