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I Don’t Have Health Insurance… What Now?

There’s been a number of people who have resigned themselves to remaining in active addiction because they don’t have health insurance and can’t afford drug treatment.

These individuals assume that overcoming addiction will require an addiction treatment program that they wouldn’t be able to afford, so they end up writing off the prospect of recovery altogether. This is especially true when the person in question doesn’t have health insurance, which would make the cost of treatment much lower.

Therefore, the following are the options available to people who are in need of addiction treatment, but who don’t have health insurance to cover it.

Pay Out-of-Pocket

The most obvious and least desirable option would be to pay for rehab out of one’s own pocket. If there’s time to prepare and you have a steady income, you could try to save the needed amount or pull the cost of rehab from your savings account.

However, this may not be an option for everyone, especially those who have lost their jobs and their savings while trying to sustain their substance abuse problems.

Borrow From loved Ones

When you don’t have the financial ability to pay for rehab yourself, the next step would likely be to go to your loved ones and ask if they would be willing to fund your addiction treatment or loan you the money you need to cover it.

This will likely require admitting to them that you’re suffering from alcoholism or drug addiction, so if your goal was to keep as many people as possible in the dark about it that’s not likely to be possible if you’re asking them for a substantial amount of money.

Alternately, your loved ones might be aware of your addiction—and might also be victims of your prior desperation—and, therefore, unwilling to simply hand over money to you; if that’s the case, you could give them the option of paying the money directly to your rehab instead of giving to you, which may ease their minds.

Liquidate

This option is probably even less desirable than paying out of pocket, but it’s definitely one of the most convenient. Many people will have at least of few things of value in their possession, but things like electronics, jewelry, antiques, and vehicles are likely to get you the most money.

Obviously, the goal would be to sell as few of your belongings as possible, which is why you’d probably want to start at the top and work your way down. Depending on the cost of your treatment, this probably wouldn’t take very long.

Find Scholarships and Grants

Though they’re not the most straightforward way to finance treatment, scholarships and grants are one of the most desirable. In essence, they’re like loans that you don’t have to pay back. All you have to do is find them, which happens to be the hardest part.

Some states offer grants for substance abuse treatment and many rehabs will offer their own scholarships, oftentimes based on a patient’s financial need. Additionally, the intake coordinators at your rehab can likely point you in the direction of some scholarships and grants.

Ask About Flexible Payment Options and In-House Financing

It goes without saying that any rehab is going to prefer being paid for their services upfront, but most of them can offer one or more flexible payment options to patients for whom paying in full out of pocket isn’t an option.

For instance, more and more rehabs are offering subsidized treatments in which the cost is based on a sliding scale that’s calculated according to your financial ability to pay; when a sliding scale is used, treatment can potentially be less expensive by quite a significant margin.

Alternately, there are some facilities that will work with patients to create a flexible payment plan, allowing patients to pay for their treatments in a series of installments. It’s not uncommon for rehabs to offer their own in-house financing as well, so this is another instance when it would be beneficial to speak with the intake coordinator.

Apply for Medical Coverage through Government

If you don’t have health insurance, chances are you don’t have a job that offers it and you can’t afford what it would cost to buy your own health insurance. This would likely make you a prime candidate for free medical care via a government health plan such as Medicaid.

To be considered, you must visit your local government offices—whichever one that handles matters related to need-based assistance—and apply for free health coverage. As long as you’re not over the maximum income threshold, there’s no obvious reason why you wouldn’t get approved.

Take Out a Loan

Unless you want to try to find a rehab that costs less, the last resort is going to be taking out a loan to pay for your treatment. If you have decent credit, you’ll probably get the most competitive rates by applying for a loan through your own bank. However, if this isn’t an option, there are also many lenders that offer financing specifically intended for people needing to pay for their addiction treatment.

These loans usually have certain perks that wouldn’t be offered by traditional loans, including deferred payments until a period of time after you’ve completed treatment. A quick query on your preferred search engine would likely reveal a number of potential financing options for addicts seeking treatment.

Don’t Have Health Insurance? Call Us for Advice

It’s estimated that there are 15,000 alcohol and drug treatment centers in the U.S. alone. Instead of hoping you’ll be able to find the right rehab for your needs, let Drug Treatment Center Finder cross-reference your needs with the quality rehabs in our recovery network.

This will allow us to find the rehab that can give you everything you need to regain your health and independence. So don’t wait another day. Call Drug Treatment Center Finder at 855-619-8070 for a free consultation today.

  1. I am a meth addict, about 2 weeks sober…and HIV positive.
    my addiction has left me jobless and without insurance.
    I am 22 years old. I need a program desperately, but don’t have the finances. Is there a solution?

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