Financing Addiction Treatment

Every year, of the tens of millions of people in the United States that need substance abuse and addiction treatment, only a fraction ever receive it. Many barriers keep people from getting help for a substance use disorder, cost being one of the more significant.

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It’s easy to get overwhelmed when thinking about paying for addiction treatment, and for recovery to feel like an impossibility. But this does not have to be the case, as there are many options available for helping to defray the cost of substance abuse and addiction treatment.

Even without insurance, there are still multiple ways to make financing addiction treatment possible and put recovery well within your reach. When your life is at stake, nothing should keep you from being able to get the help that you need, including financial difficulties.



financing rehab

Breaking Down the Cost of Addiction Treatment

Before trying to find the best ways to deal with the cost of addiction treatment, you need to have an idea of the potential cost that you’ll be looking at in the first place. Many people are not aware of how cost correlates to treatment and the effect that different kinds of addiction treatments and therapies can have on both cost and coverage.

However, when attempting to get an estimate on the cost of addiction treatment, it’s important to keep in mind that it will most likely be very general and based on the unique treatment needs of a given individual.

Nonetheless, you can still get a more accurate idea of what your addiction recovery treatment will end up costing based on some of the following factors:

  • If you need medication-assisted treatment (MAT)
  • If you will be in an inpatient or outpatient program
  • How long you will be in treatment
  • Type of treatment center (private, hospital, government-funded)
  • If you require the services of a specialized treatment facility
  • If you are looking for individualized amenities
  • If you will need aftercare support services

Depending on factors unique to each person, including the severity of their addiction, as well as whether or not they have a co-occurring disorder that requires dual diagnosis treatment, there can be significant differences in the estimated cost of treatment.

For example, someone who has a history of addiction and relapse and needs the intensive level of care provided by inpatient treatment, as well as MAT, can expect higher costs than someone still in the early stages of a substance use disorder who may only need the comparatively minimal support of an outpatient program.

When it comes to both the cost of treatment and the likelihood of a client’s successful recovery, the two biggest factors are the length of the treatment program and the facility itself.

Depending on how long someone is in treatment, their insurance plan may not cover the entire stay, and the amount of treatment covered is going to vary from one insurance to another as well. However, according to the National Institute on Drug Abuse (NIDA), addiction research has proven that the longer someone stays in treatment, the higher their chances are of successfully maintaining long-term sobriety.

This research places the minimum effective treatment length at 90 days, warning that someone who is in treatment for less time than that has a significantly increased chance of relapsing, which would only end up resulting in more time spent in recovery treatment.

Similarly, while an addiction rehabilitation program at a private treatment center is going to cost more than a publicly funded facility or a hospital, and also less likely to be fully covered by an insurance policy, it will generally be equipped to provide significantly more specialized treatment options.

In addition, a privately funded facility usually also has a higher level of individualized care, as well as a wider range of personal amenities.

The level of amenities provided may not seem important at first, but in long-term residential treatment, which can often last anywhere from six months to a year, it makes sense to want to be as comfortable as possible.

What Are My Options for Financing Addiction Treatment?

When paying for addiction treatment, there are more options than just private insurance plans. There’s also public insurance through the Affordable Care Act, which recognizes addiction as a chronic disease and covers its treatment, as well as Medicaid and Medicare. If you are a veteran, then the cost of substance abuse and addiction treatment is generally fully covered by the U.S. Department of Veterans Affairs.

One of the benefits of seeking treatment at a government or state-funded recovery treatment center is eligibility for local and state assistance in paying for treatment. While both the amount of aid provided and the requirements that must be met to qualify will vary from state to state, generally, someone will need to present:

  • Personal addiction history
  • Proof of income status
  • Proof of residence within the state
  • Proof of legal U.S. citizenship

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There may be other requirements that must be met, and they can take some time and effort, but it can make an enormous difference in being able to finance your addiction treatment.

The Substance Abuse and Mental Health Services Administration (SAMHSA) maintains a directory of the agencies that manage these services for each state.

It may seem overwhelming when attempting to figure out your best option financially when it comes to addiction treatment.

However, there are several manners in which you can successfully finance your or your loved one’s treatment.

Someone seeking means for financing addiction treatment can also explore the following potential options:


While many people may not realize it, private addiction treatment centers will often work with you to help create a custom payment or financing plan. This can allow you to pay for treatment in installments structured to fit your budget over a specific period rather than having to scramble to try to do it all at once in a lump sum.

Many treatment facilities are also willing to offer a sliding scale of treatment costs based on your income level and what you know you can afford. This can make financing addiction treatment a much more feasible option if you do not have insurance. Even if you do have insurance, it can help with any potential gap between what is covered by your policy and what you have to pay out of pocket for.


While perhaps not the most ideal option, loans are a good way to get into treatment as soon as possible, and they will also allow for payment in installments over time. Many people who choose this option as a way to finance their treatment go with a home equity loan, as a bank is more likely to provide this than a standard loan because your home will be used as the collateral, which also has the benefit of lower interest rates than other types of loans.

Loans also don’t necessarily need to come from a bank. Although it can be hard on a person’s pride, you can ask family and friends for financial help with the promise of paying them back. While it’s possible that they may at first be reluctant, if they see you are doing everything you can to try and recover, the chances are that the people who care about you will want you to get better to, and be willing to help you make it a reality. One way that may help convince them is to have them pay the treatment center directly, so they know for sure their money is being used to help you heal.   


This is another option that can feel extremely difficult to follow through on. However, many people struggling with a substance use disorder will often find themselves more than willing to part with their belongings for money for drugs or alcohol. At least this way you know that you are selling things to help yourself get better. You can eventually replace items like jewelry or even a car, but you only get one life.

Start Your Journey to Recovery Today

If you or a loved one is battling with alcohol or drug addiction, cost should never be a barrier to getting help and saving a life. There always are options available for payment because what matters most is ensuring that proper treatment is sought out before it’s too late.

At Ocean Breeze Recovery, our experienced, compassionate team of doctors, therapists, and staff are dedicated to providing all of the care, resources, and support needed to help you or your loved one get out from under addiction and onto the road to recovery.

Call (844)-554-9279 now for a free and confidential consultation with one of our specialists, who are available 24/7 to answer any questions or concerns you might have. You can also contact us online for more information.