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How to Get Into Inpatient Drug and Alcohol Rehab Without Insurance

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What Is Substance Abuse Rehabilitation Treatment?

Drug and alcohol addiction treatment centers provide professional rehabilitation services to those who struggle with chemical dependence and substance abuse issues. Rehab centers typically offer substance abuse treatment services for most types of addiction, including alcohol, cocaine, crack, heroin, opioids, crystal meth, prescription drugs, marijuana and more.

You may be wondering how to pay for rehab without insurance. Addiction treatment can be expensive, especially for those who are either uninsured or underinsured. Unfortunately, finances often act as a significant barrier to care for many people who need substance abuse treatment. Fortunately, if you need alcohol or drug treatment without insurance, there are many resources available to help you gain access to professional help.

Check Your Insurance at an American Addiction Centers Facility.


How Do I Get Immediate Addiction Treatment Without Insurance?

Unfortunately, many people may hesitate to seek addiction treatment because they don’t know how to get into substance abuse rehab without insurance. You may be wondering, ‘can I get rehab with no insurance? or ‘can I get drug or alcohol detox without insurance?’ While the cost of paying for alcohol rehab and drug addiction treatment with no insurance can be a burden for many, it is important to seek treatment immediately in acute situations, even if you are without insurance coverage.

Acute situations (emergency situations when treatment should be sought immediately) include cases of overdose, suicidal thoughts or other medical emergencies precipitated by drug or alcohol addiction. There are many things you can do if you or a loved one is in acute need of substance abuse rehabilitation, even if you have no insurance coverage.

In acute situations, call 911 or go directly to a hospital or emergency facility. Focus on preserving life first, then focus on how to pay for medical treatment. After the emergency has stabilized, you can contact various resources for assistance, which hospital administrative staff can direct you to.

How to Get Alcohol or Drug Rehab Without Insurance

While every state is different, most have some type of financial assistance available for those who have no insurance and need state-funded or low-cost or free drug or alcohol rehab programs. Another source for information to help find drug or alcohol addiction treatment without insurance is a simple Google search. Type in your state, county or city and search for low-cost local mental health and substance abuse programs and services. If you are in a crisis but non-emergency situation (such as feeling like you may relapse or overdose on drugs or alcohol, going through acute withdrawal symptoms,) consider searching for a local crisis hotline and calling them immediately.

As much as possible, carefully consider the quality of the treatment-related information you find via internet resources, since not all of it will be legitimate. In some cases, information may be more trustworthy—for example, a listing of treatment resources maintained on a site with a .gov domain. You may also want to contact your general community resource center to see if they can provide you with referrals or more information.

Whoever you choose to contact, be sure to provide them with as much information as possible about your situation to ensure that you get access to the most appropriate care, treatment and resources. For instance, specialized programs and resources are available to certain populations. There may be additional programs offered to you or you may be able to receive expedited treatment and services if you:

  • Are under the age of 18.
  • Are older than 65.
  • Are pregnant.
  • Are homeless.
  • Have severe medical problems.

These programs may also provide same- or next-day services in acute or emergency situations.


How Do I Sign up For Health Insurance?

Another common question among the uninsured seeking drug addiction treatment is, ‘how do I get insurance to pay for drug and alcohol rehab?

Even if you are currently uninsured and unemployed, you can still sign up for insurance and, depending on your income, it may be free. The Affordable Care Act of 2014 requires that all marketplace insurance plans provide coverage for substance abuse and mental health treatment services. These plans cannot deny coverage for mental health or substance abuse issues, even if they are considered a pre-existing condition.1

The Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 also provides some protection for those who need substance abuse treatment. This law requires that health insurance companies provide the same level of coverage for mental health and substance abuse services as they do for primary care.2

How Can I Get Free Rehab Treatment?

To learn about free rehabilitation and low-cost insurance options, you can either visit healthcare.gov, conduct another Google search for state insurance options or call your local county office to find out where to sign up for Medicaid or Medicare programs (if eligible). To help remove barriers to care, these programs are designed to be easy to sign up for; each state often has representatives who can help you sign up free of charge.

What Are Medicare and Medicaid?

Many people don’t fully understand the differences between Medicaid and Medicare and aren’t sure which one is right for them, so here’s a quick breakdown of the two programs: 3,4

  • Medicaid is a federal- and state-funded program that was originally created in 1965 to provide health insurance for those with very low incomes. While coverage varies depending on your state and Medicaid insurance provider, substance abuse treatment is typically covered, since the Affordable Care Act requires that all insurers, including Medicaid, provide coverage. However, not all treatment facilities accept Medicaid and not all of them will allow you to pay using Medicaid insurance coverage, so check with the facility that you plan to attend to make sure it will be accepted.
  • Medicare is another federal- and state-funded program established in 1965 that provides insurance for those older than 65 or who have a severe disability, regardless of income. In some cases, people qualify for and receive both Medicaid and Medicare for health insurance coverage. Medicare provides coverage for substance abuse and addiction rehab treatment in the following circumstances:
    • When a doctor declares that substance abuse treatment is medically necessary or sets up the plan of care.
    • When treatment is provided by a Medicare-participating facility or provider.

Inpatient addiction treatment is covered by Medicare Part A and out-of-pocket costs are the same as those for hospital stays. However, Medicare will only cover up to 190 days in a psychiatric hospital per lifetime.4 This rule does not apply to general hospitals.

Outpatient treatment—such as alcohol and drug counseling, pharmacological treatments administered at a doctor’s office and patient education—are all covered under Medicare Part B at an 80-20-rate, meaning that Medicare pays 80% and the consumer or supplemental insurance is responsible for the remaining 20%. Prescription medications are covered under Part D. However, Part D will not cover methadone or buprenorphine for treating addiction. Methadone may be covered under Part A if administered at a hospital.4

Even when people have insurance coverage, there may be difficulties in getting insurance to pay for certain aspects of drug and alcohol rehab and treatment. While laws are in places that require insurers to provide coverage, patients may still have difficulties getting insurance coverage for medication-assisted treatment such as buprenorphine and methadone. Some commercial insurance companies will provide coverage for these medications in certain cases, but it may be limited in scope and others may not cover it at all.  There may be free drug rehabilitation programs and community health facilities able to provide these medications at little to no cost for those in need.2

How to Get Rehab Treatment With COBRA

Job loss brings with it anxiety and stress, but there are options for maintaining your health insurance coverage. If you lose your job-based coverage, you may be offered COBRA (Consolidated Omnibus Budget Reconciliation Act) continuation. COBRA provides people who have lost their jobs and families with the choice to temporarily retain the group health coverage they previously had under their employer’s group health plan.

In order to be eligible for COBRA, you must have insurance that is covered by COBRA, have experienced a qualifying event (including job loss) and be a qualified beneficiary. Your former employer will inform you of your eligibility to maintain your insurance through COBRA. You will have at least 60 days to decide if you would like to continue your coverage. Once you have decided to continue your coverage, you will sign up for COBRA and will be responsible for paying the entirety of your premium (what was previously covered by you and your employer.)

Once you are enrolled in COBRA, you will have the same coverage as you had with your previous employer. This includes any mental health and substance abuse treatment that was covered through your insurance plan. If you are pursuing treatment while covered by COBRA, you will be responsible for paying your premium. Although it might be slightly more complicated than it was when you were employed, losing your job does not have to mean that you cannot receive the substance abuse treatment that you need.


How Much Does Drug or Alcohol Rehab Cost?

The first question often asked by people in need of treatment is, ‘how much does drug rehab cost?’ You may be wondering, ‘how much does drug or alcohol rehab without insurance cost?’ The exact price of professional rehabilitation can vary significantly depending on many factors. Typically, the biggest factor involved in determining the cost of treatment is the type of treatment program a person chooses to attend.

There are many different types of alcohol and drug rehabilitation programs and the cost varies greatly depending on which facility you attend. Some of these choices include:

Generally, outpatient rehabilitation options will be relatively less expensive than their counterparts. Inpatient treatment centers tend to be more expensive because the person lives in the facility and receives daily meals, therapy, medical care and supervision. Depending on the individual facility and the person’s length of stay, inpatient residential treatment can cost as much as tens of thousands of dollars:5

  • A 7-day detox can run up to $7k.
  • Depending on the duration of your stay, rehab may range from about $14k to $58k.

Additional Factors Impacting the Cost of Drug and Alcohol Rehabilitation

Other factors that may affect the cost of drug and alcohol rehab include:

  • Treatments offered and used: Different drug and alcohol treatment centers have additional staff, equipment and specific expenses associated with each service provided, which contribute to the cost. Another consideration is the precise number and type of services a patient uses, meaning that the cost for one person may be different from the cost of drug addiction treatment for someone else at the same treatment center. One example of this is pharmacological treatment, which creates an additional cost for people who need to take medications.
  • Other services and amenities provided: Many addiction treatment centers provide additional services and amenities that increase costs. Private rehabs, luxury rehabs and executive rehabs in particular are likely to cost significantly more, because they typically offer relatively high-end services and desirable amenities. Examples of services and amenities that may increase the cost of drug and alcohol rehabilitation include:
    • Private rooms.
    • Gourmet meals.
    • Massage and spa treatments.
    • Acupuncture.
    • Swimming pools and hot tubs.
    • Fitness centers.
  • Location of the facility: The cost of alcohol rehab and drug addiction treatment can also vary depending upon the location of the facility. Treatment may cost less in certain areas than others and is typically more expensive in desirable, vacation-like locations such as beaches and mountain ranges. If you do have insurance, you may also have more out-of-pocket costs if you choose to attend an out-of-state facility where your insurance coverage may be reduced.
  • Duration of the program: The duration of the program you choose will also affect the cost of your rehab treatment. On average, drug and alcohol rehab treatment lasts from around 28 or 30 days to 90 days, but, in severe cases, people may participate in a program for a period of 6­–12 months or longer. Generally, the longer that you attend rehab, the higher the cost will be.

No Insurance? Can’t Afford to Pay For Rehab? This Doesn’t Mean That You Have No Options

You may have no insurance and be unable to afford the cost of treatment. Perhaps you are looking for drug rehab for the uninsured or for affordable inpatient rehabilitation. Many rehab facilities will work hard to help you afford your stay in treatment. When you call to get help, ask them about options like:

  • Sliding scales. Some facilities adjust the cost of treatment based on the client’s income/need.
  • Financing options. Not all rehabs will require you to pay the full cost upfront. You might be able to work out a system where you can pay over time, lessening the immediate financial burden.
  • Loans. Some drug and alcohol addiction treatment centers offer loans to help you afford the care you so desperately need.
  • Scholarships. Some rehab facilities will waive all or part of their program fee for those in need. Ask specific programs if they offer this benefit. If so, if you may qualify for low-cost treatment.

To see how you can afford treatment at an American Addiction Centers facility, complete the financing inquiry below to be put in touch with a navigator who can help determine your options.

How to Get a Professional Drug and Alcohol Assessment

You may have seen signs that you or a loved one may need rehab. If you don’t know how severe your addiction is or what type of treatment options may be right for you, talk to a doctor, counselor or other treatment professional who can evaluate your situation and make appropriate recommendations for how to get drug or alcohol treatment. Consider getting a professional Screening, Brief Intervention and Referral to Treatment (SBIRT) from a state-certified medical professional or credentialed substance abuse treatment professional.

The SBIRT is an evidence-based early intervention approach that helps to identify problematic substance use behaviors and provides effective intervention strategies before the need for more extensive substance use disorder treatment arises. The SBIRT begins with an assessment (screening) for risky substance abuse behaviors. It is then followed by a brief intervention and referral to alcohol and drug addiction treatment or substance abuse therapy when necessary.6

You can also carry out a self-assessment using our free online self-assessment tool.


How to Find Emergency and Long-Term Addiction Treatment Facilities Near Me Without Insurance

You may be wondering, ‘how can I find long-term drug rehab near me with no insurance?’, ‘can I find a detox center near me with no insurance?’ or ‘how can I find urgent rehab or emergency detox near me without insurance?’ You might be looking for rehab in Texas, Florida, California, Michigan, Massachusetts, Virginia, Colorado, Kentucky, Illinois, Missouri, Indiana, Ohio, Alabama, Illinois, California, Georgia, New York, Utah, Arizona or Washington State. There are many resources available to help locate the best low-cost or free inpatient drug and alcohol rehab centers near your location. These resources typically provide contact information, links to websites and up-to-date descriptions of the programs and services offered at each facility. If you are looking for long-term inpatient rehab without insurance or you are struggling with alcoholism or drug addiction, there are other resources and hotlines available for times of crisis and acute need.

Some of the treatment-finder resources include but are not limited to:

  • American Addiction Centers. AAC is dedicated to supporting individuals struggling with addiction on their journey to recovery. You can contact AAC for free 24/7 at to learn more.
  • SAMHSA’s Behavioral Facility Tool. Designed to be a confidential source of information for people seeking addiction treatment in the United States or its territories. SAMHSA 24-hour helpline: 1-800-662-HELP (4357).
  • Boys Town National Hotline. A 24-hour crisis line staffed by counselors to provide support and resources: 1-800-448-3000.
  • National Runaway Safeline. A hotline providing confidential and non-judgmental support for those who are contemplating running away or who have already done so: 1-800-RUN-AWAY (786-2929).
  • Alcohol & Drug Help Line. A 24/7 treatment referral helpline for those suffering from alcohol and drug addiction. If you are wondering how to find low-cost or free drug rehabilitation centers near you, this organization might be able to help: 1-206-722-3700.
  • National Suicide Prevention Lifeline. This is a free, confidential support line available 24/7 to those in distress, crisis or need. It provides crisis services, emotional support and resources to those thinking about or impacted by suicide: 1-800-273-8255.

What You Should Know About the Substance Abuse Issue Before You Make a Call

When you call to find detox or rehab treatment, you’ll want to gather some information before picking up the phone, especially if you’re calling for a loved one. Information to prepare includes:

  • How long the substance abuse has been occurring.
  • An estimation of the amount of drugs or alcohol being used.
  • If prescription drugs are involved, the average dose being regularly used.
  • Any medical issues, such as diseases or infections.
  • Any medications currently being taken.
  • Previous attempts at treatment.
  • Whether medical detox is needed (Note: medical detox is usually recommended for people who are dependent on alcohol, sedatives or opioids.)
  • The existence of any other mental health issues, such as depression, anxiety or any process disorders like compulsive gambling.
  • Whether travel to another city or state may be arranged.
  • The date you want treatment to begin.

As much information as you can gather will help you to have a productive phone call and get treatment started right away.


Community Support

A variety of community support groups is available to help people struggling with substance use disorders.

The 12-Step Approach

Some of the groups that follow a traditional 12-Step (and faith-based) approach include the following:

  • Cocaine Anonymous (CA). A global 12-Step program for both men and women suffering from cocaine addiction. Membership is free; the only requirement to join is that people have a desire to stop using cocaine and other drugs and alcohol.
  • Crystal Meth Anonymous (CMA). A fellowship of people who come together to support one another in quitting crystal meth through the 12-Step process. There are no membership dues and the only requirement to join is a desire to stop using.
  • Narcotics Anonymous (NA). An international 12-Step peer-support group for those who are pursuing a drug-free lifestyle. Membership is free and regularly scheduled group meetings are available at a variety of locations around the world. If there are no meetings in your area, contact NA to learn how you can start one.
  • Alcoholics Anonymous (AA). The founding 12-Step fellowship program first established in 1935, this international support group is available to help people achieve and maintain sobriety through peer support and by following the traditional 12-Step process. Membership is free; the only requirement to participate is a desire to stop drinking and using other mind-altering substances.

Alternative Approaches to Drug and Alcohol Rehabilitation

There are also support groups that provide a non-religious alternative to the 12-Step philosophy, including the following:

  • SMART Recovery. An empowering, worldwide recovery support group based on the latest scientific research. Membership is free and services are provided online and in face-to-face meetings.
  • Secular Organizations for Sobriety. A nonprofit network of local support groups to help people recover from drug and alcohol addiction. There is no charge to attend a meeting, and if there isn’t one in your area, information is available on its website about how you can start one.
  • LifeRing Secular Recovery. An abstinence-based peer-to-peer support network created to help people obtain and maintain sobriety. It is a secular community whose focus is on empowerment and sharing. Meetings are available in person as well as online.

Additional Resources on How to Get Drug and Alcohol Rehab Near Me

You might be looking for the best local rehab centers, emergency rehab centers, same-day rehab centers, free rehab centers, free counseling, detox centers near you, online treatment, couples’ rehab treatment, adolescent rehab, women’s addiction treatment or men’s rehab treatment centers. Call for free at at any time, day or night, for help finding rehab locations.

Whether you’re looking for a specific type of rehab treatment, substance-related info. or additional guides, below are some of our most popular and recommended.


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Dr. Thomas received his medical degree from the University of California, San Diego School of Medicine. During his medical studies, Dr. Thomas saw firsthand the multitude of lives impacted by struggles with substance abuse and addiction, motivating him to seek a clinical psychiatry preceptorship at the San Diego VA Hospital’s Inpatient Alcohol and Drug Treatment Program. In his post-graduate clinical work, Dr. Thomas later applied the tenets he learned to help guide his therapeutic approach with many patients in need of substance treatment. In his current capacity as Senior Medical Editor for American Addiction Centers, Dr. Thomas, works to provide accurate, authoritative information to those seeking help for substance abuse and behavioral health issues.
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