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American Addiction Centers National Rehabs Directory

Loans and Financing to Pay for Drug & Alcohol Rehab

In the past, people struggling with substance use disorder (SUD) who didn’t have insurance or the money to pay for addiction treatment often found that treatment facilities providing comprehensive, evidence-based care were out of reach.

Without access to comprehensive, evidence-based care, individuals may experience new or worsening mental and physical health, and a range of other hardships such as financial difficulties, legal issues, and relationship problems.

The good news is that today, there are several options to get the care you need with rehab financing. This page will help you learn more about drug rehab financing options that may be available to you.

Loans to Help Cover the Cost of Addiction Treatment

In 2008 and 2010, respectively, the Mental Health Parity and Addiction Equity Act and Affordable Care Act ensure insurance plans provide coverage for mental health and substance use disorder (SUD) treatment on par with medical and surgical care.

While these laws broaden access to comprehensive treatment for individuals with SUD and help manage how much rehab costs, they do not ensure that the full cost of treatment is covered. Loans can be instrumental in covering the cost of treatment by providing immediate financial support. Individuals can secure various loans for rehab treatment (e.g., personal loans, healthcare loans) to cover immediate expenses such as medical detox, inpatient drug and alcohol rehab, and outpatient addiction treatment programs.

Loans From Family or Friends to Help Pay for Addiction Treatment

If you don’t have insurance, or if using health insurance to pay for rehab won’t cover the full cost of treatment, personal loans for rehab from family or friends are an option you can explore to pay for treatment. Getting a personal loan from family or friends provides flexibility that can help you get the funds you need for treatment without relying on a bank or other financial institution. When getting a loan from family or friends, having a written agreement is a good idea, which can help prevent misunderstandings and potential strain on relationships.

Loans to Help Pay for Drug & Alcohol Rehab

If getting a personal loan from family or friends is not an option, there are other ways you can get drug rehab financing, including paying with a bank loan or credit card. If you obtain a bank loan, consider opting for one that has a low-interest rate with manageable payback terms. Similarly, consider looking for a credit card with a low interest rate, otherwise, this option can become more expensive than you anticipated. Some credit card companies offer deferred interest rate healthcare credit cards specifically for medical-related expenses, including substance and mental health treatment.

Low and No-Cost Addiction Treatment Options

In some instances, low- and no-cost addiction treatment options may be available to you. To find a drug rehab loan for low-income and other similar options, you can start by researching:

  • Local community health centers.
  • Non-profit organizations.
  • Faith-based and religious organizations.
  • Teaching hospitals and universities.
  • Support groups, such as Alcoholics Anonymous or Narcotics Anonymous.

You can also research government agencies offering free or subsidized rehab programs. Medicaid and state-funded options may also be available and often cover addiction treatment.

Many facilities also offer rehab financing options. You can contact various rehab facilities near you and ask about things like payment plans, which many facilities offer to ease the financial burden of treatment. You can also inquire about sliding scales, which adjust costs based on income.

Learn More About Loans & Financing to Pay for Rehab

Deciding to seek addiction treatment is a brave step, and you deserve to focus on recovery without the stress of paying for treatment. To learn more about treatment options and options available to you to pay for treatment, contact American Addiction Centers (AAC). AAC is a leading addiction treatment provider with rehab facilities throughout the U.S. Our admissions navigators are available 24/7 when you call . They can hear your story, discuss treatment options, verify your insurance, and walk you through paying for treatment. Calling is confidential and free, and there is no obligation to enter treatment.

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