Can You Pay for Rehab Without Insurance?

Find Affordable Rehab Centers in Orange County

With an estimated 26 million people1 in the United States living without health insurance, there is a chance you may not have health insurance. This shouldn’t discourage you from seeking out addiction treatment options that are available to you. 

Discover how you can go to alcohol and drug rehab without insurance in Orange County by reading on or by calling our admissions team and discussing options that are available to you and your needs.

Can You Go to Rehab Without Insurance?

Yes! While health insurance would often cover drug and alcohol rehab, it is not the only option for people looking for help. 

Even those who may have insurance might not have their substance abuse treatment covered under their plan, which means they will have to pay out of pocket for certain expenses. 

Whether you have insurance or not, it is important to consider the financial cost of the facilities you are considering when looking for treatment options. When talking to admissions, ask about payment options to help you cover the out-of-pocket expenses.

How to Pay for Rehab Without Insurance

You have several options for finding the best rehab without insurance. Here are some of the alternative payment options to consider:
  • Private pay: Many people can choose to pay for addiction treatment with funds from their savings, loans, family and friends, and/or CareCredit accounts. Nearly 12,000 alcohol and drug treatment centers in the U.S. accept private payments.2
  • Grants and scholarships: Some organizations and treatment centers offer grants or scholarships to those who need assistance. You can ask facilities directly if they offer this type of funding or reach out to the Substance Abuse and Mental Health Services Administration, which offers a grant known as the Substance Abuse Prevention and Treatment Block Grant.3
  • Payment plans: Some treatment centers offer payment plans or other financing options to help spread the cost of rehab over time to make immediate treatment accessible.
  • Sliding fee scales: The cost of rehab will depend on your income.
  • Crowdfunding or fundraising: Many people crowdfund or fundraise on platforms to get the money needed for treatment.
  • Non-profit organizations: Some non-profits may help people struggling with addiction find ways to access addiction treatment with no insurance.

Many options for those seeking rehab without insurance are avaliable. Call our admissions team to learn how you can pay for rehab in Orange County today.

How Much Does Addiction Treatment Without Insurance Cost?

Rehab costs can be a common concern for many people. While having no insurance might seem like a barrier, treatment facilities like Tree House Recovery will work with you to find the best payment option for your needs and situation.

To determine the right level of care for you, professionals will consider your financial, medical, social, psychological, and other needs.3

Common treatments for alcohol and drug addictions include: 

Often, medical detox and inpatient addiction rehab will be the most expensive level of care because of the services they provide clients. Outpatient programs are less expensive because they do not provide room and board. 

The cost of care will depend largely on how much support you need for your long term recovery plan.

The Cost of Rehab Programs Near Me

The cost of addiction treatment programs depends on several factors, including: 

  • Amenities: Some rehabs offer a range of amenities that can increase the cost of treatment. Many treatment facilities exist, from basic, no-frills programs to luxury treatment centers. However, these amenities may not influence the facilities’ success.
  • Location: A facility’s location can influence the cost of resources, staff, and more. 
  • Length of program: The length of the problem will influence the price. Generally, the longer the problem, the higher it will likely cost
  • Specialized programs: Private, luxury, and executive rehabs can feature restore-like settings, often with a higher price tag.
  • Treatment provided: The price of each level of treatment (detox, partial hospitalization, and outpatient programs) will vary.

Understanding these factors can guide your research in finding the right rehab and financial assistance for your recovery.

Are There Free Rehabs Near Me?

You can choose from various options when looking for effective addiction treatment centers near them.

For people who don’t have insurance or have insurance through government programs like Medicare and Medicaid, it is possible that treatment could be low-cost or free.

Medicare is a federal insurance program for people 65 and older.4 Those under 65 who have certain disabilities or conditions may also qualify for Medicare.4 People with Medicare pay part of the cost of medical coverage, deductible, and coinsurance with monthly premiums. You can determine how much your Medicare plan covers for addiction treatment.

Medicaid provides coverage for certain medical services for people with low income. Coverage can vary from state to state, but it may cover addiction treatment.

The federal government currently acknowledges substance use and mental health services as essential health benefits. Healthcare plans must cover substance misuse and mental health services as they would cover medical and surgical services.5

Find an Affordable Rehab Centers Near Me

Some drug & alcohol treatment centers that can work with you to find affordable treatment without insurance. You can find and pay for rehab without health insurance by searching for treatment centers near you with the Findtreatment.gov tool. 

You can also talk to our admissions team today to discuss treatment and payment options for no-insurance rehabs. Don’t let healthcare coverage stop you from earning your recovery. Contact us today to take your first steps toward recovery.

  1. Collins, S. R., & Gupta, A. (2024, November 21). State of health insurance coverage in U.S.: 2024 Biennial Survey | Commonwealth Fund. The State of Health Insurance Coverage in the U.S. https://www.commonwealthfund.org/publications/surveys/2024/nov/state-health-insurance-coverage-us-2024-biennial-survey

  2. SAMHSA. (n.d.). Find Treatment. Findtreatment.gov. https://findtreatment.gov/locator

  3. Substance Abuse and Mental Health Services Indefinite Delivery Indefinite Quantity. Sam.gov. (2017, April 3). https://sam.gov/opp/75d755b28d514908d5508e4df35af4ce/view

  4. (DCD), D. C. D. (2022, December 7). What’s the difference between Medicare and Medicaid? HHS.gov. https://www.hhs.gov/answers/medicare-and-medicaid/what-is-the-difference-between-medicare-medicaid/index.html

  5. Mental health and substance abuse health coverage options. HealthCare.gov. (n.d.). https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/