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Can I get Drug Treatment without Insurance?

Drug Treatment without InsuranceWhat do you do when you have no insurance or money in the bank, but you desperately need drug or alcohol rehabilitation? In the past, many people would not have asked for professional help, they may have tried to recover on their own. Unfortunately, in most cases, this is ineffective and possibly dangerous. Not only can detoxing from prolonged drug or alcohol abuse be potentially life threatening, especially when undergone without the proper medical care, but the tools and relationships formed in rehab promote a lifetime of sobriety.


State-Funded Treatment Centers

Those who suffer from drug or alcohol dependence and have limited resources to pay for treatment may find that state-funded rehab centers can be an affordable option to get started on the road to recovery. While some may feel ashamed to resort to these types of resources there are many public facilities and clinics that can help individuals undergo medical detoxification, counseling and relapse prevention education programs to help them maintain long-term recovery.


What Are State-Funded Treatment Centers?State-Funded Treatment Centers

These facilities typically non-profit organizations receive government money in order to help those who struggle with drug and alcohol addiction. They are especially helpful to those who have a low income, do not have the adequate insurance coverage, or do not have insurance at all.

These organizations can provide programs that include:

  • Detox
  • Therapeutic counseling
  • Inpatient rehab
  • Outpatient services
  • Partial hospitalization
  • Follow-up care and support

Who can Benefit from State-Funded Rehab?

Every state has different requirements and offerings when it comes to state or government funded rehab programs. Locating a state agency that manages these programs can help you learn more about how you or a loved one can qualify in that specific state. SAMHSA’s Directory of Single State Agencies (SSAs) for Substance Abuse Services provides these contacts for every state nationwide.

Typically the qulaification process is simple. Individuals who want to enroll in state-funded treatment program are requires to provide proof of  the following:

  • Place of residence
  • Current income/wages
  • U.S. Residency
  • Personal history of addiction

Other Ways to Get Drug Treatment without Insurance

Fortunately, there are numerous options for those who are struggling to pay for drug and alcohol rehab without health insurance. If an individual does not qualify for free addiction treatment, other ways to obtain the necessary funding for rehabilitation include:

Scholarships

Scholarship offerings are becoming more common among both private treatment facilities and organizations concerned with helping low income individuals struggling with substance abuse. Always ask inquire about scholarships or grants available when seeking professional help for addiction.

The Affordable Care Act

The ACA requires that insurance policies issued through Medicaid, Medicare, and under state health exchanges must provide coverage for addiction treatment. Although, one must note that a deductible and/or co-payment must be paid before treatment is free. Before the Affordable Care Act was instated, not only was it unlikely for your health insurance to cover the cost of treatment, but it was difficult to get insured with a history of substance abuse.

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Loans

Many alcohol or drug rehab facilities provide financing options. There are even specialized addiction treatment loan service companies available to help. In cases where you do not have the money for treatment upfront, financing options will be of utmost benefit.

12-Step Programs

Religious, as well as non-religious, support groups can be very helpful for those in recovery. Although they are not recommended to be the only from of treatment, they are beneficial supplemental forms of care. More often than not, these groups are free and do not require dues.

Rehabs that Accept

Friends and Family

Friends and Family- Chances are, you are not the only person who wants to see you succeed. Oftentimes your loved ones will want to help, but are not sure as to how to contribute. Ask for help covering the cost of treatment. The worst that anyone can say is no.

As if living with a limited income isn’t challenging enough, living with both financial struggles and addiction may have you wondering which way to turn. Explore these options for paying for treatment and make your burdens feel less troublesome. For any information regarding the information listed above, please feel free to call our 24/7 helpline. A new life awaits, do not let your finances stand in the way.