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Drug and alcohol addiction can lead to severe, potentially life-threatening consequences. The devastating impact of addiction can affect every aspect of your life. Your physical health, mental well-being, and relationships can suffer as addictive substances become your primary focus.

While the effects of addiction can be devastating, very few people with substance use disorder (SUD) get the help they need to begin recovery. Some studies show that less than 10% of the people needing addiction treatment ever get it.

Many barriers may prevent you from seeking treatment when you need it. For many people, concerns about paying for rehab can keep them from getting help. However, there are many ways to pay for rehab. Knowing your options can help you make the best choices for your health and well-being.

This article will explore different ways to pay for rehab.

What you will learn:

  • What factors affect the cost of rehab
  • How to use your health insurance plan to cover the cost of treatment
  • How to pay for rehab if you do not have insurance
  • Where to find substance abuse and mental health treatment

Contact the Carolina Center for Recovery specialists to learn about our inpatient and outpatient treatment programs. Our intake specialists can help you find the right level of care, verify insurance, and outline payment options so you can get the treatment you need.

Understanding the Cost of Rehab

No two people have the same needs during treatment and recovery. Substance abuse prevention and treatment programs occur in many settings and levels of care. This ensures people with a wide range of needs can get the help they need.

Different treatment facilities, programs, and levels of care have different fees. The cost of rehab can vary depending on a program’s length, duration, level of treatment, and other factors.

If you live with addiction and need help, your first step will be to determine which level of care is right for your needs. You may undergo a substance abuse evaluation to determine what course of treatment you require. You may choose from:

In most cases, inpatient and residential programs are the most expensive forms of addiction treatment. During inpatient programs, people live in the treatment center while receiving intensive treatment. Outpatient programs may have lower costs because people live at home while receiving care.

Other factors, such as the amenities, programs, and location of the treatment facility, can affect the cost of treatment.

Paying for Rehab With Insurance

The 2010 Affordable Care Act (ACA) prevents insurance companies from denying coverage for mental health and substance abuse treatment.[1,2] If you have private health insurance through an employer or the open market, it is likely to cover treatment for addiction.

However, insurance plans can vary quite a bit–even those from the same insurance company. Before you begin treatment, you must verify the details of your specific insurance plan. You can do this in several ways, including:

  • Calling the number on the back of your insurance company and speaking with a representative
  • Exploring the details of your plan on the insurance company’s website
  • Contacting the Carolina Center for Recovery insurance specialists for assistance

If you need to verify insurance but are unsure of where to begin, reach out to the intake staff at the Carolina Center for Recovery. Our dedicated staff can verify your insurance plan and help you navigate your insurance coverage.

We are committed to helping our clients get the care they need. Contact us today to learn more about using insurance to pay for rehab.

Paying for Rehab Without Insurance

If you do not have health insurance, you may be eligible to purchase a plan on the ACA health insurance marketplace. You still have options if you cannot afford private insurance or do not meet the criteria to buy it. These include:

  • Applying for public healthcare, such as Medicaid, Medicare, or VA insurance
  • Attending a low-cost or free rehab center
  • Attending a sliding-scale rehab center
  • Applying for a grant or scholarship, such as the Substance Abuse and Mental Health Services Administration (SAMHSA) Substance Use Prevention and Treatment Block Grant
  • Asking your rehab facility to create an affordable payment plan
  • Ask friends and family to support you
  • Create a crowdfunding campaign
  • Borrow from savings or 401K

Do not let concerns about paying for rehab keep you from getting life-saving treatment. You deserve help. Contact the Carolina Center for Recovery to learn more about paying for rehab without insurance.

Find Assistance Now

If you are worried about paying for rehab, contact the intake specialists at the Carolina Center for Recovery for help. Our specialists can verify your insurance details, answer questions, and connect you with helpful resources.

Don’t let the cost of rehab keep you from getting the help you need to overcome addiction. Contact the Carolina Center for Recovery now to take the first step of your recovery journey.


  1. Office of National Drug Control Policy: Substance Abuse and the Affordable Care Act
  2. Mental health & substance abuse coverage