Rehab Without Insurance: What Are Your Options?

Around 10 percent of the U.S. population will develop substance use disorders at some point during their lifetimes. However, around 75 percent of them never receive any kind of formal treatment. Alcohol abuse shows very similar trends. While around one-third of the population will meet the criteria for alcohol use disorder at one time or another, only 20 percent of these sufferers ever seek out a treatment program.^1,2 

Why do so many people who are struggling with substance abuse fail to get treatment? There is certainly no shortage of well-qualified rehab centers out there. For many people, it’s not a matter of any unwillingness to take advantage of substance abuse services—it’s a question of finances.

Due to inadequate health insurance coverage—or none at all—many people feel they can’t afford a substance abuse treatment program. As a result, their substance abuse and mental health issues worsen. Read below for some options of rehab without insurance.

It is important to understand that you do have treatment options available to you even if you have no insurance. Many people enter rehab without insurance. Let’s discuss the various costs and payment options that apply to people in this situation.

The Costs of Addiction 

In the long run, substance abuse cost the individual more than any treatment facility.

Persons who are dependent on street chemicals sometimes spend more than $100 per day on their habit. Even a legal substance like alcohol can be expensive. In California, a case of beer costs an average of $17.86. Some sufferers of alcohol use disorder go through three cases a week.³

These figures do not even include additional lifestyle costs incurred by people struggling with substance use disorders. Some sufferers have difficulty maintaining steady employment. Often, they’re chronically late for work or have to keep taking time off even after running out of PTO hours. Their failure to stay productive as employees can lead to serious financial difficulties.

Over time, substance abuse also incurs higher healthcare expenses as well. Addicts can develop a number of physical and mental complications directly related to their substance abuse. Substance abuse is linked to many health disorders, including gastrointestinal issues, mental health complications, respiratory problems, and kidney damage. Alcoholics are at increased risk of cirrhosis, stroke, pancreatitis, and several types of cancers.

Types of Treatment Programs

How much it will cost to pay for rehab depends on a variety of factors. Different patients have different needs. Some forms of therapy are more vigorous and time-consuming than others.

At Dedicato Treatment Center, our primary treatment options are listed below:

Available programs include cognitive behavioral therapy, trauma therapy, individual and group therapy, and relapse prevention. The patient benefits from one-on-one therapy sessions and a low staff-to-client ratio that ensures personalized attention.

Outpatient treatment

Dedicato offers what is known as an Intensive Outpatient Program (IOP). This is commonly used by individuals who do not need to go through detox. It allows the patient to live at home and travel back and forth to the facility for treatment sessions. Our Intensive Outpatient Program generally lasts eight to twelve weeks.

IOP services at Dedicato include individual counseling, group psychotherapy, 12-step education, and anger management.

Outpatient treatment is significantly less expensive than inpatient treatment, especially if there is no need for detox. However, the type of treatment program that is best for a patient isn’t necessarily the least costly option. Our medical professionals will help the patient determine what kind of therapy is most likely to promote a full recovery.

Rehab Without Insurance: Financing Options for Substance Abuse Treatments

People without insurance have multiple options when it comes to paying for their stay at our rehab center.

• Sign up for insurance –  If you don’t have insurance, you can try signing up prior to entering rehab. Under current law, all public and private health insurance plans must cover mental health treatment (including substance use disorders) (including substance use disorders). You can’t be denied a policy on the basis of a pre-existing condition, and there is no waiting period for coverage of these conditions.
• Get a loan from family – Many people get the money they need from family or loved ones who have a personal interest in helping them recover.
• Set up a payment plan – At Dedicato, it’s not necessary to pay all fees upfront. We offer payment plans that will enable you to pay for your services on a schedule that suits your circumstances. Feel free to call us for details.
• Apply for a private loan – Some patients are able to obtain loans from private sources. Banks and credit unions sometimes provide loans for substance abuse treatment without insurance.

Please note that Dedicato Treatment Center does not accept Medicare or Medicaid.

The staff members at Dedicato Treatment Center believe strongly that no one should be denied access to medical help due to a lack of funds. If you or a loved one is interested in seeking treatment for a substance abuse problem, please contact us so we can discuss your options. You can call us at 866-951-4811. We are located in Sierra Madre, California.

Sources

1. https://www.nih.gov/news-events/news-releases/10-percent-us-adults-have-drug-use-disorder-some-point-their-lives
2. https://www.niaaa.nih.gov/news-events/news-releases/nih-study-finds-alcohol-use-disorder-increase
3. https://www.cnbc.com/2019/02/01/how-much-a-case-of-beer-costs-in-every-us-state.html