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What to do if You Can’t Afford Rehab

Updated August 3, 2020 *

Many people think they can’t afford alcohol addiction or drug addiction treatment, but they still want to get sober.

Ultimately, this can prevent people from seeking the help they need. There are a lot of reasons you may think that you can’t afford drug rehab, but there are many programs in place to help those in need afford the cost of substance abuse treatment.

How Much Is Drug Rehab?

Unfortunately, there is no easy answer. The cost of rehab depends on several factors. Does the patient need medical support for detox? Are they participating in an inpatient program or a partial hospitalization program? How long will they stay in treatment? Are they looking for a standard or luxury rehab program?

The answers to these and many other questions will help determine the cost of addiction treatment. Participation in ancillary addiction treatment programs such as equine therapy, art therapy, yoga, or other holistic programs could also influence the cost of drug rehab.

At Banyan Pompano, we understand that each patient has varying needs when it comes to paying for drug rehab. Our admissions specialists will do their best to help sort through your rehab payment options so you can get the help you need.

I Need Rehab But Can’t Afford It. What Do I Do?

Drug rehab for someone with no money may seem like an impossible dream. The outward cost of treatment can seem overwhelming, but many patients receive assistance to pay for addiction treatment, especially when they can’t afford rehab on their own. This includes options such as scholarships, insurance, or even public assistance programs designed to help with rehab costs or provide alternative treatment options.

If you are struggling to determine how to pay for drug rehab, these different rehab payment options may help.

1.     Does My Insurance Cover Rehab?

The first thing you should check when you are looking for help paying for rehab is if your health insurance covers substance abuse treatment. While many people automatically assume that rehab is not covered by health insurance, mental health and substance abuse disorders are covered in varying degrees depending on your health insurance plan.

Under the Affordable Care Act, substance abuse disorders are considered essential health benefits by all marketplace plans. Employer-sponsored group insurance plans are different and may cover these services to some degree, but every plan is different.1 Because coverage can vary, you should reach out directly to your health insurance company to ask what your plan includes or at what point you could upgrade to a plan that does include these services. At Banyan Pompano, we also offer free insurance verification to see if your insurance pays for rehab.

2.     Substance Abuse Treatment Scholarships

Scholarships aren’t just for college. If you can’t afford rehab, scholarships can be incredibly helpful. Our rehab scholarship can help someone pay for drug rehab when they have financial need. There are also options for scholarships from many local communities, including religious organizations and public assistance programs.

3.     Ask Friends or Family for Help

Addiction is a family disease; your substance abuse has likely impacted your loved ones closest to you. If you can’t afford rehab on your own, your friends and family may be willing to help with the rehab cost. They have likely wanted to get you into treatment for awhile now, so if you take the initiative to go on your own, they may want to contribute.

4.     Get A Loan

People get loans for college, cars, houses, and more. If you are serious about getting sober, a loan may give you the money you need to pay for rehab. You need to look at this loan as an investment in your future. If you have poor credit or are worried about paying it back, see if a friend or family member will take out a loan in their name and use the money to help you pay for rehab.

5.     Find Free Addiction Support Groups

There are support groups for every type of addiction. If you live in or near a major city, you can most likely find a support group centered around your needs. Alcoholics Anonymous and Narcotics Anonymous are popular groups proven to help people get sober and stay sober. Atheists and agnostics may relate to programs like Rational Recovery, Moderation Management, or Secular Organizations for Sobriety. If you can’t attend meetings in-person, there are many online support communities that could help you in your journey to sobriety.

6.     Use Other Addiction Resources

Whether you’re currently in treatment, waiting for treatment, or out of treatment, there are plenty of addiction resources that people can use to get and stay sober. Self-help books can offer valuable advice. There are also a variety of apps for smartphones that can be very helpful for people struggling with substance abuse. Do your research and look for groups, programs, or other resources in your local community.

When it comes to finding a rehab center in your budget or getting help for your addiction problems, never say never. If you can’t afford rehab, you may qualify for scholarships or price reductions that aren’t mentioned on a treatment center’s website. Also, when it comes to checking your insurance coverage, be persistent. Get in touch with a representative from your insurance company and ask about the center you’re considering.

Our Pompano substance abuse treatment center wants to help people get the treatment they need to get and stay sober. If you are considering treatment, but you want to learn more about your rehab payment options, do not hesitate to reach out. By calling 888-280-4763, you could be taking the first step to recovery.


  1. gov - Mental health & substance abuse coverage
Alyssa, Director of Digital Marketing
Alyssa, Director of Digital Marketing
Alyssa is the National Director of Digital Marketing and is responsible for a multitude of integrated campaigns and events in the behavioral health and addictions field. All articles have been written by Alyssa and medically reviewed by our Chief Medical Officer, Dr. Darrin Mangiacarne.
What to do if You Can’t Afford Rehab
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