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Private Pay Rehab for Drug and Alcohol Abuse & Addiction Programs

Questions about treatment?
  • Access to licensed treatment centers
  • Information on treatment plans
  • Financial assistance options

Health insurance is not required to get the care you need for your drug or alcohol addiction. Even if you are insured, you may wish to pay cash for drug rehab rather than filling out packets of paperwork for benefit claims and treatment authorization. The National Institute on Drug Abuse reports that 23.5 million people over the age of 12 needed treatment for a drug or alcohol abuse problem in 2009. Unfortunately, only 11.2 percent of these individuals sought treatment for their condition.

Private Rehabilitation Programs

If you suffer from an alcohol or drug abuse issue, it’s important to get the help you need to live a healthy, well-balanced life. There is hope in the form of addiction treatment. Private pay rehab centers are located across the country, making high-quality drug abuse treatment an option for many individuals.

What are the Financing options for Alcohol and Drug AbuseTreatment?

treatment optionsThere are many different types of treatment options for drug and alcohol abuse. A licensed healthcare professional can help you choose the program that is best for you or your loved one. This is done by assessing your current situation and considering factors such as your scheduling needs, financial resources and level of addiction. Your personality is also important, as some individuals thrive in a group setting while others prefer plenty of alone time with a therapist or drug counselor. Contact a healthcare professional at the private facility of your choice to begin the admissions process.

What are the Types of Private Pay Rehab Programs?

Many patients who pay cash for drug rehab find that they require a combination of treatment options to address their abuse or addiction. Some patients start with inpatient care and progress to outpatient therapy. Others begin with a detox program and then participate in intensive counseling sessions at a private pay treatment center.

All treatment programs have different advantages and disadvantages. State-funded centers are sometimes more affordable than the programs offered at private facilities, but they might be crowded or lack the amount of staff needed to effectively run the drug treatment program. Many state-funded programs have waiting lists for patients, making it difficult to receive the needed treatment in a timely manner. If you need help today, give us a call on .

What are the Advantages of Private Pay Rehab Programs?

  • Private care by experienced counselors and healthcare professionals
  • Clean, luxurious facilities
  • A home-like environment
  • Relaxing atmosphere
  • Exclusive
  • Top-notch treatment
  • Gourmet meals

Private drug rehab programs are exclusive treatment centers that provide exceptional patient care. Some of these luxurious centers even provide amenities commonly found in spas and hotels, such as swimming pools, tennis courts and delicious meals. The bedrooms are often similar to what a patient might find in their own home, with soft linens and decorated walls. This home-like setting is much more comfortable than a room with a stiff hospital bed and empty walls.

How Private Rehabs help in long lasting recovery?

projectknow-shutter360062150-luxury-rehabSome people believe that the environment of a drug abuse program is not important, but staying in a comfortable treatment center might directly affect the level of success that treatment has on a patient. Most patients need long-term care, and a luxurious private pay rehab facility filled with spa-like amenities can make an extended stay more enjoyable. Visits from family members and friends can also make the treatment process easier on patients, and many private facilities offer flexible visiting hours and private areas where visitors can meet.

In the past, it was difficult to find cash treatment facilities for pregnant women and single parents. Times have changed, and many private facilities offer programs geared towards pregnant women, mothers and fathers. These programs make it easy to receive the care you need without being absent from the lives of your children or ignoring your pregnancy.

Drug abuse affects people from all ethnic backgrounds and income levels. Left untreated, drug abuse can result in lost wages, damaged relationships, health issues and even death. If you are, or a loved one is, currently dealing with drug abuse, it is important to choose a private pay treatment center that meets your needs. Speak with us today at to get the drug abuse treatment that you need and deserve.

Insurance-Based vs. Private Pay Rehab-: Which Treatment Is Right for You?

Cost and payment options represent an important factor to take into account when browsing treatment programs, but it’s not the number one factor. According to the principles of effective treatment which correlate positively with high success rates, treatment-seeking individuals require tailored treatment delivered in a timely manner and modified in accordance with their changing needs. So, it’s a matter of priority for the facility to follow these principles and guidelines, and only then the possible payment options.1

  • Insurance-based treatment is suitable for individuals with high insurance coverage, but even then, insurance will not necessarily cover treatment cost in its entirety. Treatment available at various facilities nationwide can be comprehensive and comprise a diverse range of services, not all of which are covered by insurance. So even with high insurance coverage, a person would have to pay a portion of the cost out of pocket.2

When it comes to individuals who are uninsured or underinsured, private pay may be the only option. However, there are also free and low-cost treatment options to explore. It is also worth noting that all major insurance providers across the U.S. cover detox programs as they address a medical necessity, to an extent or in full, whereas longer-lasting and more comprehensive rehab options may not be covered by insurance, at least not in their entirety.2

How to Go to Rehab With No Insurance?

Cost is often a prohibitive factor for treatment-seeking individuals, all the more so if a person is uninsured or underinsured and has no other means of paying for treatment costs. However, it may be possible to get free or low-cost care at some treatment centers. Some treatment facilities may have sliding scale fees based on a treatment-seeking individual’s income, or offer payment assistance.2

There are other financing options available to treatment-seeking individuals, but it can be competitive and difficult to get them. Possible resources include special grants and scholarships, but a person would have to meet strict eligibility criteria.3

Lastly, there are free treatment programs, as well as non-profit rehab and low-cost treatment facilities which are much more affordable and therefore more easily accessible than their counterparts.2

It can be difficult to get quality treatment without money, so for many people without insurance, the only alternative is to pay for the treatment out of pocket by borrowing money from friends and family.2

What Are the Types of Addiction Treatment and Costs Options Available in Private Rehab Centers?

In addition to detoxification which is normally the first stage of treatment, private rehab facilities offer various forms of addiction treatment programs, including but not limited to:4 

Addiction treatment can be expensive, especially when it comes to comprehensive, high-intensity treatment which addresses multiple aspects of a person’s substance use disorder and its consequences. These programs usually offer a wide range of services provided by qualified staff. Private rehab centers also focus on making recovering individuals comfortable and providing a higher standard of care, so they may also offer various amenities to make all that possible.1

However, private rehab centers are often quite flexible about payment options. Private rehab facilities are often in network with major insurance providers nationwide, including private or national health insurance programs. These facilities also accept various other payment options, and some have a sliding fee scale based on a principle of fairness, in which case the total treatment cost depends on the person’s family’s household size and annual income.2 

Is Rehab Worth the Cost?

Both from the perspective of the society as a whole and that of a treatment-seeking individual and their friends and family, rehab is well worth the cost. Rehab has a direct role in relapse prevention, which is worth mentioning because relapsing after a prolonged period of abstinence can and often does lead to overdose which can be fatal or life-threatening with lasting damage.1 

However, there are enormous differences between rehab options. Not all rehab programs are equally effective. For treatment to be effective, certain principles need to be met:1

  • Medically assisted detoxification is normally the essential first stage of treatment, but treatment is most likely to be effective when detox is followed by rehabilitation. 
  • The original treatment plan is based on a treatment-seeking individual’s specific needs. 
  • As with any kind of treatment, adjustments are made periodically to accommodate  the person’s changing needs. 
  • In addition to being tailored, treatment needs to be readily available to the recovering person.
  • Treatment needs to attend to multiple needs of the person and address all their problems, whether caused and directly associated with substance abuse or not.
  • The recovering person needs to stay in treatment a sufficient amount of time. Again, how long that is depends on individual circumstances and progress.
  • Medications and behavioral therapies are considered the gold standard in treating addiction, a combination known as medication-assisted treatment (MAT).
  • Co-occurring mental disorders need to be treated simultaneously. 
  • Recovering individuals also need to be tested and treated for other medical conditions, including infectious diseases. 
  • Treatment can be effective even if not voluntary. 
  • Substance use is monitored over the entire course of treatment. If relapses do happen, they signal that treatment needs to be modified to better suit the person’s needs.

How to Get Help for Alcoholism Without Insurance?

Alcoholism is a chronic, relapsing condition which is difficult to control, especially considering the chemical changes which frequent and excessive alcohol consumption causes in the brain. Another risk factor is constant exposure to environmental cues and triggers which can provoke a relapse in individuals recovering from alcoholism.1

Getting help for addiction can be challenging for a person without insurance or a steady income. One of the options for getting treatment for alcoholism is to look for free treatment options.2 

The downside is that these treatment options may not be as extensive as options which require payment and they may not be as committed to monitoring a person’s progress toward recovery, mainly due to limitations in terms of staffing and resources.1

Another important pitfall to lookout for is that treatment may not be immediately available, which can be problematic because immediate admission is often critical to treatment outcome. In this case, a private low-cost treatment program may be a superior alternative.1

When paying for rehab through insurance is not an option, payment options include:2

  • Borrowing money from friends and family.
  • Private loans and payment plans.
  • Rehab facilities with sliding scale fees.
  • Scholarships and grants.

How to Get Insurance to Pay for Inpatient Rehab?

Major insurance carriers nationwide cover the cost of rehab, including rehabilitation in an inpatient setting. However, the cost of inpatient rehabilitation can be steep, considering the fact that it offers comprehensive treatment combined with accommodation and meals, and it may also provide access to diverse amenities designed to make a person’s stay more comfortable.2

Comprehensive inpatient treatment options also provide a wide range of services which can support and facilitate recovery. The higher the standard of services, level of treatment intensity and program duration, the higher the cost.2

This is why insurance normally covers inpatient rehab to an extent, that is, for a certain period of time and for a limited scope of services. For individuals who have exhausted their payment options for inpatient rehab, it may be possible to continue treatment in a more affordable treatment program provided in an outpatient environment. Still, if a recovering individual has suffered a recent relapse or made insufficient progress in treatment, it may not be advisable to move to outpatient treatment which is more flexible in terms of supervision.2

What Are the Financing Options for Rehab Besides Insurance and Cash Funds?

There are several financing options available to individuals in need of rehab, all of which are worth looking into. For instance, some private rehab facilities have a sliding fee scale, which reduces a person’s medical bill depending on their household size and yearly family income.2

Entering treatment in a timely manner is essential to achieving optimal treatment outcomes. The sooner a person enters treatment, the more likely they are to achieve stable, lasting recovery. This is one of the key principles of effective treatment: treatment needs to be readily available.1 

But access to treatment can be restricted to individuals who can afford it or who have sufficient insurance coverage. So what about other individuals in need of treatment whose financial situation is not as favorable?2

To determine a person’s eligibility for most of these financing and payment assistance options, their annual income will be estimated and the correct count of family/household members will be taken into account.2

Does Medicare Pay for Private Drug Rehab?

While there are many government and state-funded drug rehab options nationwide, the capacity of these facilities does not always meet the needs of treatment-seeking individuals, and many opt for private drug rehab instead.2 

Additionally, the quality of care available at private drug rehabs is often superior to that available at facilities which rely on public assistance and often deal with staffing limitations and limited resources.1 

However, many treatment-seeking individuals are concerned about treatment costs when private rehab is concerned, so they look only for options which are covered by their health insurance plan.2

Pursuant to the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008, insured individuals are entitled to the same level of benefits for mental and/or substance use treatment and services as they would for medical and surgical care.2

Private rehab facilities do accept insurance from all major private insurance providers, as well as Medicare, which is a federal insurance program that serves people over 65.5 

Medicaid is a federal/state assistance program that serves low-income people of every age, although co-pay may be required.5

What portion of the treatment cost will eventually be covered by Medicare/Medicaid depends on the recovering individuals’ unique circumstances.2 

There is no enrollment period for Medicaid, so it is possible to apply at any time. A person is eligible for free or low-cost health coverage if their annual income falls under a certain state-specific threshold.2

How to Find Private Rehab Centers Near Me?

There are various private rehab facilities nationwide, and there are different parameters that a person may take into account during the selection process. Most people focus on finding a facility that is easily accessible. This is important, because it matters that treatment be readily available.1

However, what matters most about finding a rehab facility is not the location, price or the amenities it has to offer, but the quality of care it provides, that is, how well a certain treatment program can address various aspects of a person’s alcoholism and drug addiction. So the key points to focus on include:1

  • Admission protocol
  • Treatment components
  • Available treatment modalities
  • Treatment standard
  • Accreditation
  • Patients to staff ratio
  • Treatment standard
  • Quality and commitment to continuing care

Treatment-seeking individuals and their families can easily access these and other details online, where they may also find testimonials from past clients. Many private rehab facilities offer flexible payment options and accept insurance from various national and private health insurance providers.2

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The editorial staff of Projectknow.com is comprised of addiction content experts from American Addiction Centers. Our editors and medical reviewers have over a decade of cumulative experience in medical content editing and have reviewed thousands of pages for accuracy and relevance. Our reviewers consistently monitor the latest research from SAMHSA, NIDA, and other reputable sources to provide our readers the most accurate content on the web.
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