Options for Financing Addiction Treatment

People who want to get treatment for substance abuse face the same problem: paying the bill for the treatment. Financing addiction treatment is no small or low-cost matter. The good news is that once you’ve decided to take the next step and seek treatment for drug or alcohol abuse, you’ve already made a huge move toward living a better, healthier, more enjoyable life. It’s not easy to get to the point where you make the conscious decision to seek help and change your life for the better. Getting the treatment you need shouldn’t be based on whether or not you can pay for the rehab program. While treatment programs can be costly, they don’t have to be the barrier between you and living a better life. Rest assured that one way or another; you’ll be able to pay for this much-needed help.

People who believe that they can’t afford their treatment affect themselves, their loved ones and the nation as a whole. When addicted individuals don’t get treatment, health care costs are affected on a nationwide basis. Addicted people who cannot or do not pay for rehab tend to remain on drugs or addicted to alcohol. They visit the hospital and emergency room often, that they have to stay overnight in the hospital, and that there are various costs associated with their continued drug use. Doctor and hospital visits and stays can cost the healthcare system quite a bit of money, even more than it would cost to provide you with the rehab treatment. When you opt for addiction treatment, everyone wins! Luckily, if you’re ready to commit to drug rehabilitation treatment, there are many financing and payment options available. Discover your options so that you can continue on the road to paving a better life for yourself.

Loans from Friends or Family

The best way to pay for drug rehab is in cash if you’re able to come up with the resources. However, if you’re worried about how you’ll pay for drug treatment, it’s likely because you don’t have the necessary resources at your disposal. If you don’t have your money that you could use, consider asking your loved ones for a loan. Understand that the people in your life are affected by your drug use as well. While your friends and family will not want to give you money to further fund your addiction, they may be very willing to give you money if it means you’ll get treatment. It’s uncomfortable to ask people you’re close with for financial help but look at it as one awkward thing to do for the sake of getting better. When you’re a stronger person, you’ll be in a position to make amends with your loved ones and slowly pay them back.

Be prepared for your friends and family to wonder what you’ll be doing with the money they loan you. They’ll likely think that you’re going to spend it on drugs or alcohol. To ease their mind, ask them to pay the rehab center directly instead of giving the money over to you. Also, be prepared that even the people who love you may not be willing or able to help you monetarily. Getting a loan from a family member or friend is just one of your options for funding rehab. If you can get a loan this way, make sure to promise yourself and the person who lends you the money that you’ll pay them back once you’ve completed treatment and are in control of your life. Make sure not to set up unrealistic expectations. Only opt for payment terms that are realistic for you and that your friend or family member can agree. Your primary goal should be to get sober and to keep your relationship intact during the process.

Rehab Program Financing

Most of the time, the drug and alcohol treatment center of your choice will offer you financing. The treatment center itself may provide funding or may work with a third-party lender to create a loan package. If you’re not able to pay for treatment yourself or get a loan from a personal contact, this is the next best option. There are plenty of treatment centers that will spend a lot of time putting together a package that will help you and that you can reasonably pay back once treatment is over. When you’ve decided which facility you’d like to attend, call them and ask to speak with their financing department.

Alternatively, you can also opt to pay for the program with a credit card or a loan from your bank. Credit card payback terms may make it easy for you to pay slowly for the treatment. If you’re opening a new card or getting a loan strictly to pay for the rehab program, seek out one with flexible terms.


If you have a savings account, consider financing your treatment that way, at least partially. You may be worried that you’ll spend your entire savings and not have anything left over. It’s important to realize that if you have a successful treatment program, the investment will have been more than worth it. There’s no better use of your assets than solving a problem that’s ruining your life and your future. If you have further questions, speak with a financial advisor.

Sell Assets

If you have assets that you can make money from, like a boat or a car, consider selling them to pay for treatment. While you may feel an attachment to your items, especially the high-ticket ones, that attachment could be the thing standing in your way. Once you’re no longer addicted, you’ll be able to replace any items you got rid of to fund treatment.

Insurance / Medicaid

Some treatment programs will take your private insurance or even Medicaid, depending on the specific type of treatment you need. Insurance could limit or even eliminate the amount you’ll have to pay toward a treatment program.