Financing for Drug Rehab

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Most insurance plans will cover either all or a portion of the treatment.

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As necessary as treatment may be when you or your loved one is battling alcohol and drug addiction, it can be an investment. Like any other chronic health issue, treatment for substance abuse requires medical expertise from trained doctors and nurses, and many people don’t feel they can even afford to get care. Too many people face financial and logistical obstacles when they seek care for substance use disorder, which often discourages them from seeking help altogether. The good news is that there are more and more organizations that are offering financing for drug rehab in order to make the process more accessible. Whether you’re struggling with prolonged and untreated drug dependency or you’re just starting to realize the impact that alcohol and other drugs are having on your life, many rehab centers offer financing to help make finding treatment easier.

How Do I Find Financing for Alcohol or Drug Rehab?

There are two avenues of financing for drug and alcohol rehab. You can either see if the facility you’re considering offers financing options, or you can find a lender that offers loans for medical care. Many rehab centers have pre-existing agreements with many of these lenders to make access to financing options easier for incoming patients. While the exact cost of rehab will vary based on what kind of care you need—whether inpatient, outpatient, or virtual care—and how long you will be in your program, the admissions staff at the facility you’re choosing will help you fully understand the cost of your treatment so you have an accurate idea of how much you need to finance.

Important “Must-Knows” for Financing Rehab

Have a loved one help you find and review loan options. Prolonged and untreated drug abuse can impact judgment and perception. Before agreeing to anything or signing any documents, have a trusted loved one go over them with you and give their honest opinion.

Don’t borrow more than you can afford. Whether you’re taking on the loan yourself or having a loved one co-sign for you, make sure you thoroughly understand the actual cost of the agreement, including interest rates, principal, and payment schedule. Then, based on your income viability, decide if it’s something you can truly do.

A rehab loan isn’t the only financing option. If you’re uncomfortable with or are unable to get a loan for drug rehab, you can also explore the possibility of a scholarship, faith-based treatment assistance, state-funded rehab, and other resources. Many facilities offer sliding-scale services that allow patients to pay what they can afford based on income. Medicare and Medicaid also provide options for making treatment more affordable and accessible.

Go shopping. There are multiple lenders that offer these types of healthcare loans. Don’t get discouraged if the first option you find won’t approve you or is too expensive.

What Lenders Offer Financing for Drug Rehab?

  • eFinancing Solutions – Personalized addiction treatment loans for all types of care models. You will receive a quick decision after applying, and all decisions are kept confidential. Apply with no impact on your credit score.
  • Prosper Behavioral Health Financing – Get an immediate decision on loans up to $35,000 with flexible payment timelines of up to 84 months.
  • M-Lend Financial Services – Lending of up to $100,000 with quick processing and decisions. Flexible collateral options and treatment-specific lending agreements.

Please note that is not affiliated with these or any other lenders and does not endorse any institution or single way of paying for treatment for substance use disorder.