Paying for Rehab and a cost Breakdown

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By: Renaissance Recovery

Medically Reviewed by: Diana Vo, LMFT

Last Updated: 7/1/2021

Authored By: Joe Gilmore

Table of Contents

Paying for rehab is one of the primary concerns of most people contemplating treatment for addiction to drink or drugs.

At a time when your focus needs to be on addressing your addiction, detoxing, and recovering, the last thing you need is concerns about financing treatment.

Fortunately, there are many ways to meet the costs of rehab for substance abuse. Below, we’ll outline the multiple approaches at your disposal, from paying out of pocket to insurance, Medicare coverage, or even crowdfunding.

When you’re calculating the costs of rehab, view this as an investment rather than an expense. Addiction is a chronic, relapsing disease, meaning recovery is a lifelong process. By choosing the course of treatment that best suits your needs and your addiction, you’ll improve your chances of sustained success. Ultimately, by paying for rehab, you’re investing in yourself.


Establish Your Treatment Needs to Assess Costs

When you’re costing rehab, you need first to establish your treatment needs.

You should work with your healthcare provider to assess which of the following options might be beneficial:

You can then start looking for drink and drug rehab centers offering the treatment program and delivery method you need. 

Speak with the rehab centers on your shortlist and request estimated costs for the specific treatment you need, if it’s available.

If you’re looking to pay for rehab with insurance, make sure the programs you’re considering are recognized as in-network providers. Determine whether your insurer and the program have agreed-upon rates. Also find out how much you’ll need to pay out of pocket.



Insurance Can Help Pay for Rehab

Insurance companies are not legally permitted to turn away people requiring addiction treatment. 

What does this mean in terms of who pays for treatment?

Well, in practice, insurers are forced to pay at least a portion of rehab expenses, sometimes bearing the entire cost. Essentially, insurers must offer addiction recovery coverage just as they would offer coverage for other mental health conditions.

Coverage can vary between policies. Not all plans will cover all treatment programs.

As a general guideline, more insurance companies will pay for outpatient rehab than for residential rehab.


How to Pay for Rehab Without Insurance

If you have no insurance coverage for rehab treatment, you need to think about covering the out-of-pocket costs you’ll face when paying for rehab.

You could use your savings to pay for addiction treatment. While you may not like the idea of using your emergency fund, recovering from addiction is a legitimate emergency.

The cost of not getting the right treatment could end up outstripping the cost of rehab.

Borrowing money from family members is another way to pay for rehab without insurance coverage in place.


Paying for Rehab with a Loan

Applying for a personal or medical loan is another way of paying for rehab in Southern California. 

While the interest charges mean you’ll pay even more for your treatment than paying out of pocket, the manageable monthly payment a loan offers could give you the breathing space you need.

If you have good credit, paying for rehab can easily be financed with a loan.

Help Paying for Rehab

If you have limited funds and no insurance coverage, some programs are available that help meet the cost of treatment for alcohol or drug rehab. 

Look for the government agency in your state responsible for delivering addiction services. Find out if there are any suitable programs available.

A question we’re commonly asked at Renaissance Recovery is, “Who pays for court ordered rehab? Well, this typically comes down to the individual, whether they’re paying through insurance or out of pocket.


Explore Employer Assistance Programs

Find out if your employer provides an EAP (employee assistance program). This is a service sponsored by employers targeted at helping employees experiencing personal challenges. These programs typically defray the costs of treatment and services related to substance abuse, alcohol abuse, and mental health.


Medicare, Medicaid, and Health Insurance

Does Medicaid pay for rehab, then?

You’ll need to check your policy to determine if the rehab services you need are covered.


Rehab at Renaissance Recovery Center

Don’t let paying for rehab in Southern California stop you from getting the right addiction treatment to meet your needs. Contact Renaissance Recovery Center to find out how easy it is to cover the cost. 

Here are some of the services we offer to help people just like you:

Dial 866.330.9449 to start a treatment program that works for you.866.330.9449

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Joseph Gilmore has been in the addiction industry for three years with experience working for facilities all across the country

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