When someone you love is facing addiction or substance abuse, rehabilitation is often a topic of conversation. Typically, rehab is a program necessary for recovery and unfortunately, it is often negated due to its financial burden on the party in need or respective family members and loved ones.

About Financing Rehab

If insurance doesn’t cover rehab, prices can be intimidating and ultimately, repelling. The situation is further aggravated if an addict either does not have insurance or has poor credit, lessening the likelihood of earning a line of credit to enter a program.

At United Recovery Project, we are determined to help as many patients and families as possible get the help they need. We understand that financial solutions are complex and often hard to come by.

Financing addiction rehab

Here is what you need to know about common challenges with financing rehab and possible solutions:


Rehab is costly, especially if you or your loved needs a longer-term inpatient program. Before setting your sites on a facility, check with your insurance to see which type of programs are covered and which (if any) facilities are in the network.

Personal Credit

Poor credit can negatively impact eligibility to pay for rehab, get a loan or qualify for alternative funding options. If possible, check your credit and see if it is possible to boost your score before applying for a loan.

Alternative Solutions

If you are struggling to find the funding to pay for rehab, consider crowdsourcing, loans, personal savings or health care credit cards that you can pay off over time.

  • Crowdsourcing. Crowdsourcing is an opportunity to reach out to friends and family to help you get back on your feet. Considering these are the people you love the most, they will likely be happy to offer a contribution
  • Center payment plan. If monthly payment plans fall within your monthly budget, this can be a great way to extend your financial flexibility and make the investment in rehab
  • Personal savings. If you have personal savings, rehab is crucial experience in life on which to use the money you have put aside for emergencies. Rehabilitation is often the step between a depleting and continuing life
  • Home loan equity. Taking out a loan against collateral is a pretty low risk and make a good financing option. However, you want to be sure that your loved one is committed to getting healthy and staying sober if you are willing to put something such as your house on the line for their health. Remember that you need your security and foundation to continue helping them get better, too
  • Health care credit cards. In the last case scenario, you can apply for health care credit. Try to take advantage of previous solutions as credit cards can come with high monthly payments and interest rates


Personal Investment

Rehab is an investment in one’s health and if committed to a program, there is no price to put on a recovering addict’s rehabilitation. Try to remember this as you use your bank account and available funds.

The difficulties of paying for treatment, etc. can tower and feel overwhelming while you seek help for your loved one. It is important to remember your goal while you seek the appropriate payment option: to help someone you care about (or yourself) recover, heal and live a healthy life. Keep focusing on the person in need of help, and you will have all the motivation you need to find a solution that works and make treatment affordable and possible.

United Recovery Project will work with you to find a financial solution with payment benefits that enables you or your loved one to get the help needed for a safe recovery process. Reach out to our team today to learn more about the services we provide and the financial accommodations we can make along your journey.