Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Finance Financial Assistance for Those Recovering From Addiction Updated Jun 28, 2024 3-min read Written by Jeff Gitlen, CEPF® Written by Jeff Gitlen, CEPF® Expertise: Student loans, personal loans, home loans, insurance, credit cards Jeff Gitlen, CEPF®, is the director of growth at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® Living with addiction affects all aspects of life, from emotional and physical health to financial stability. Substance abuse can be expensive, and the path to recovery presents additional financial challenges. However, various resources are available to provide financial aid for drug rehab. This guide explores options including health insurance, government grants, and other forms of financial assistance to help cover the costs of treatment and recovery. Table of Contents Skip to Section Financial aid for drug rehabFAQ Financial aid for drug rehab Drug rehab costs can range from a few hundred dollars for a 30-day detox to $80,000 for residential treatment. Multiple resources are available to offer financial assistance for drug rehab and associated programs. Health insurance and the ACA Addiction treatment is generally considered a covered medical condition under the Affordable Care Act (ACA). Health insurance plans compliant with the ACA may cover 60% to 90% of rehab costs. If coverage is denied, an appeals process is available. Government grants for recovering addicts Several state and federal grants provide financial assistance for those recovering from addiction. Substance Abuse and Mental Health Services Administration (SAMHSA) SAMHSA offers block grants to state addiction treatment providers. Eligibility often requires meeting specific income requirements or participation in a qualified treatment program. State-funded and local treatment programs State and local governments often fund reduced-cost or no-cost treatment facilities. Additional support, such as sober living, food stamps, and employment assistance, may also be available. VA benefits The U.S. Department of Veterans Affairs provides various programs for veterans struggling with addiction, including in-patient and out-patient services, medically assisted treatment, and residential care. Financial aid from treatment centers Many treatment centers offer payment plans and financing options for those who need financial help for drug rehabilitation. Free treatment centers, such as those run by the Salvation Army, may require patients to meet specific conditions. Faith-based rehab programs Faith-based organizations often provide treatment services and may offer sponsorships to reduce costs. Check with local religious organizations for available drug rehab assistance programs. National Foundation for Credit Counseling While not providing direct financial aid for drug rehab, the National Foundation for Credit Counseling offers financial education and guidance to help improve overall financial stability. Crowdfunding Platforms such as GoFundMe and Indiegogo can help raise funds for rehab costs with the support of friends, family, and the community. Drug rehab loan Drug rehab loans provide upfront funds for treatment but must be repaid with interest. Specialized lenders and personal loans are potential sources for these loans, but they should be considered a last resort. Specialized lenders Lenders such as My Treatment Lender offer loans for rehab costs. Evaluate terms carefully before applying. Personal loans Unsecured personal loans can be used for rehab costs. Rates may be higher for those with lower credit scores, but a cosigner can improve chances of approval and lower interest rates. FAQ What financial assistance is available for those who need help paying for drug rehab? Financial aid options include health insurance, government grants, VA benefits, and direct assistance from treatment centers. Are there free treatment centers for drug addiction? Yes, organizations including the Salvation Army offer free or low-cost rehab services, often requiring patients to meet specific conditions. How can I find state-funded or local treatment programs? Visit your state or local government’s website or local human services office to determine available programs and partnerships for addiction recovery. What are drug rehab loans? Drug rehab loans are financial assistance options that provide upfront funds for treatment, which must be repaid with interest. They should be considered a last resort, and a repayment plan should be in place before taking one out. How can I use crowdfunding to secure financial assistance for recovering addicts? Crowdfunding platforms GoFundMe and Indiegogo allow individuals to raise funds for rehab costs with support from friends, family, and the community.