How to Pay for Rehab in California

how to pay for rehab in California
Published in Addiction Treatment

Many people who live with addiction will require treatment to overcome the condition, but there are many barriers to getting the treatment you need. For example, concern about the cost of addiction treatment prevents some people from seeking life-saving help.

If you or someone you love lives with substance abuse or addiction, you must get the support and treatment you need to avoid addiction’s severe, long-term consequences. Rehab isn’t always expensive because it is covered by insurance and you may have several payment options. Knowing how to pay for rehab in California can help you make the best decisions about your care.

The Levels of Care in Addiction Treatment

The most influential factor contributing to the cost of rehab is the level of care you attend. Addiction treatment is offered in a wide range of settings and levels of care. Multiple levels of care ensure people with addiction can get the tailored care they need based on the severity of their addiction. The cost of treatment varies depending on which level of care you participate in.

Residential Treatment

Inpatient or residential programs offer high-quality, intensive treatment for people with severe addiction. People in these programs live in the facility for the duration of their treatment. Depending on a person’s needs, programs can last 30 to 90 days or more. Because patients are paying for housing, on-site medical service, meals, and 24-hour care, residential treatment is typically the most expensive option–but it is also the most effective.

Intensive Outpatient Programs (IOP) and Outpatient Programs (OP)

IOP and OP are available for people with mild to moderate substance use disorders. People in outpatient programs can work, go to school, or keep up their responsibilities at home. Outpatient rehab centers usually require a few hours of treatment on several days during the week. Outpatient programs generally offer the most flexible and affordable substance abuse treatment options.

Partial Hospitalization Program (PHP)

Partial hospitalization programs (PHP) offer a balance between inpatient and outpatient care. People in a partial program may attend several hours of treatment every day but are permitted to return home at night. PHP may be more expensive than IOP or OP, but it is cheaper than inpatient.

A medical professional or addiction specialist will evaluate your needs before beginning treatment to determine the correct level of care you require.

What Factors Affect the Cost of Addiction Treatment?

It is crucial to find a treatment center that meets your needs and offers the programs you need to recover from addiction. In addition to the level of care, many things can affect the cost of addiction treatment. These include:

  • Location
  • Services provided, such as dual diagnosis treatment
  • Length of stay: More time in treatment generally costs more than shorter stays.
  • Specialty treatment, such as gender-specific or faith-based centers
  • Amenities, such as luxury rehab centers or spa-like environments

It is essential to find a facility that meets your treatment needs and can provide a safe, calm environment that will support your healing.

Does Insurance Cover the Cost of Rehab in California?

The Affordable Care Act (ACA) requires insurance companies to cover the costs of mental health and addiction treatment. People with health insurance may have some of their treatment costs covered. However, insurance plans vary greatly. It is essential to check your plan and your coverage before beginning treatment.

To verify the details of your insurance plan, you may:

  • Ask the treatment facility staff to verify your coverage
  • Call the number on the back of your insurance card
  • Check your insurance provider’s website

Verifying your coverage before starting treatment will make it less likely for you to have unexpected expenses later on.

How to Pay for Rehab Without Insurance

Getting treatment for substance abuse and addiction is essential to your health and wellbeing, regardless of whether or not you have insurance coverage. Here are four common ways people pay for rehab without insurance.

1. Make a Payment Plan

Some treatment facilities in California offer the ability to set up a payment plan instead of paying a large sum upfront or at the end of treatment. This allows people to break payments into affordable monthly installments instead of paying all at once.

2. Apply for a Grant or Scholarship

The Substance Abuse and Mental Health Administration (SAMHSA) provides grants to people who need addiction treatment. This organization offers grants to help people who need treatment but do not have adequate insurance coverage to afford the care they need. While they are non-competitive, applicants must meet specific criteria that you can find on SAMHSA’s website.

3. Fundraising and Asking for Support

In many cases, a person’s friends and family may feel unsure of how to support them best as they recover from addiction. Asking for help to pay for rehab without insurance can give concerned friends and family a meaningful way to help their addicted loved ones. People may ask directly or set up a GoFundMe campaign to reach more people.

4. Attend a Subsidized Treatment Program

Many state-subsidized treatment facilities offer low or no-cost treatment to people without insurance. These centers have eligibility requirements for their patients. If a low-income person without insurance needs treatment, these facilities can give them the high-quality care they need.

In addition to state-funded addiction treatment facilities, many people qualify for a state-subsidized insurance plan. These affordable plans are available to low-income people in every state. This coverage applies to many evidence-based treatment programs at many levels of care, including:

  • Inpatient and residential
  • Outpatient
  • Partial hospitalization programs (PHPs)
  • Intensive outpatient programs (IOPs)
  • Medical treatment and medications
  • Some aftercare treatment options

State-funded insurance plans offer different levels of coverage for addiction treatment services, so it’s crucial to verify your specific plan’s coverage before starting treatment. The only catch is that state-funded rehab centers usually have long wait lists, and continuing your addiction while waiting on a bed can be more costly to your life and well-being than seeking treatment elsewhere.

5. eFinancing

If you don’t have money or insurance, you can still get the help you need. Sheer Recovery works with eFinancing Solutions, a loan search company that helps individuals find and get approved for medical loans. eFinancing Solutions has a quick loan approval turnaround time and has helped many of our past patients get the treatment they deserve. Speak with an admissions counselor today to see how eFinancing can help you.

Get Help Now

Sheer Recovery is in-network with many major insurance providers. To verify your insurance coverage and learn about your treatment options, contact our admissions team today.


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