Addiction Treatment

How to Pay for Rehab

October 11th, 2019
How to Pay for Rehab

You’ve made the decision to seek help for your addiction, to take charge of your life and go to rehab. But there’s one thing standing in your way — the cost. And while addiction treatment is by no means cheap, there are resources available that can help you get the treatment you deserve.

Get the Most Out of Your Insurance

If you’re like most people, you probably have no idea what your insurance actually covers. Fortunately, most insurance plans do cover at least a portion of substance abuse treatment. How much it covers will vary depending on your plan and the level of treatment you need. To get a better understanding of your coverage, call your insurance, or better yet, ask the treatment center you’re planning to attend to call them. Because treatment centers know exactly what you need, they can ask the insurance company specific questions and provide you with a clearer estimate of your coverage and cost.

Ask About a Sliding Scale

Not every addiction treatment center offers this, but you lose nothing asking whether they offer reduced pricing based on your income. If they don’t offer a sliding scale, they may offer a payment plan that you can tailor to your financial situation. Know that reputable rehabs are in business to help those struggling with addiction, not to cash checks. So, if money is what is keeping you from treatment, be honest and they will likely be able to work with you or connect you with someone who can.

Look for Scholarships and Grants

You’ve heard of scholarships that pay for college, but believe it or not, there are scholarships that help people struggling with drugs or alcohol get the help they need. Many are offered through the treatment centers themselves. Others are government-funded by organizations such as the Substance Abuse Mental Health Services Administration (SAMHSA). Scholarships are also provided through non-profit organizations such as 10,000 Beds and community resource centers. Finding these scholarships isn’t always easy, and there can be a waiting period, but if you’ve exhausted your other options, scholarships can be of aid.

Pay For it Out-of-Pocket

The idea of taking out a loan or charging your credit card for thousands can seem overwhelming, but not getting the help you need could cost you your life. While being careful with your finances is important, your well-being needs to be your priority. So, take an honest look at your finances and see if getting a loan, using your credit cards, or perhaps selling some valuables can get you one step closer to treatment.

Ask for Help

No one likes asking for help, especially when addiction is involved. But it’s time to put your pride, shame, and fear aside and reach out to your loved ones for help. Know that those around you love you, want to see you get better, and will do what they can to make that a reality. And if your loved ones can’t help you financially, you can seek funding through crowdsourcing websites. While this means putting yourself and your addiction out there for the world to see, it also could mean getting the help you need. There are many people in recovery and individuals whose lives have been impacted by addiction who are willing to help others get treatment.

One thing to remember about addiction treatment is that price does not always equal quality. When searching for a rehab, be sure to check for common red flags so you don’t fall for one of the many rehab scams out there. And know the right questions to ask so you can find the right treatment center for you.

Interested in receiving addiction treatment at Mountainside? Learn about our financing options or speak to one of our admission advisors today. 


Alcoholism and drug addiction negatively affect every aspect of your life. If you or a loved one is struggling, call 888 833 4676. Our team of addiction experts is ready to help you reclaim your life.