Do You Need Insurance to Get Rehab for Alcohol and Drug Addiction?

In this article, we will answer the question “Do you need insurance to get rehab for alcohol and drug addiction?” Also, we will provide you with other relevant information that you need to know to get the treatment you require to help you overcome your addiction. 

Substance Abuse Rehabilitation – What it is

Alcohol and drug addiction treatment facilities and centers offer professional rehabilitation care and treatment to folks struggling with substance abuse and chemical dependence. These centers provide substance abuse care and treatment for a wide range of addiction which includes alcohol, heroin, cocaine, crystal meth, opioids, marijuana, etc. Visit to find out more about substance abuse/chemical dependency.

Treatment and care for addiction can be somewhat expensive which is why folks who aren’t insured or underinsured usually wonder if they can pay for the services. This financial issue has been a major obstacle that prevents so many folks in need of these services from getting them. 

However, all hope is not lost if you want to go through rehab without insurance as there are certain available resources that you can take advantage of to get your life back on track. 

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Getting Instant Treatment for Drug & Alcohol Addiction without Insurance     

Let us state that having insurance is the best way to handle the cost of your rehabilitation. However, when this is not available, it becomes necessary to find alternatives. If there were no alternatives, then it means a lot of folks won’t be able to get the care they need. This has been the case somewhat in our society since many cannot afford rehabilitation; they tend to ignore it which has led to many deaths and other issues. 

If your situation or that of your loved one is acute, you should not hesitate to seek immediate treatment with or without insurance. When we talk about acute situations, we are referring to emergencies such as overdose, medical emergencies caused by the addiction, or suicidal thoughts.

In such a situation there are several things that you should do to get the necessary care for yourself or a loved one. You can call 911 for starters; this should get medical responders to attend to the situation instantly. 

Another thing you can do is to go to an emergency facility or hospital directly. Your first focus should be on the preservation of life instead of how the bills will be paid. Once the situation is stable, you can now look for resources to aid the payment of the bill. You can ask the administrative staff of the hospital for directions on how to contact these resources. 

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Getting Drug or Alcohol Rehabilitation without Insurance  

Each state in the United States differs from one another; however, most of them have financial support policy that is designed to cater to individuals without insurance and in need of free or low-cost rehab programs. 

You can also find out about addiction rehabilitation that doesn’t require insurance using a Google search. To ensure the efficiency of your search, type your state, city, or county and local low-cost substance abuse or mental health programs. 

For crises that aren’t emergencies such as having a feeling of overdose or relapse, search for “local crisis hotline”. Once you find one, put a call through immediately. 

While using the internet search to get low-cost rehab treatment, you should ensure that the information you discover is legit. Therefore, you should do your research to confirm that what you have found is accurate. 

Some sites, especially those with the domain “.gov”, with a treatment resources list can be considered to be trustworthy. However, you still need to make further findings. Therefore, we advise that you also ask the resource center in your community for further information and referrals. 

When you finally decide on the center you want to get into, ensure that you provide all the relevant information about your condition to enable you to access resources, care, and treatment that are most appropriate for you. 

Some special resources and programs are designed for specific populations. You can check Alliant Health alcohol rehab to find out some of these special resources and programs.

There are other additional programs, services, and treatments you might be qualified to receive if you fall into the following categories:

  1. Less than 18 years
  2. Above 65 years

iii. Pregnant

  1. Homeless
  2. Suffering from severe medical issues

Some of the programs also offer next-day or same-day care and services in emergency or acute situations.

How to Get Alcohol and Drug Rehab Insurance 

As we said earlier, having insurance is still the best way to cover the cost of rehabilitation services. Therefore, it isn’t surprising that the uninsured are wondering how they can get insured to also enjoy the benefit of these health plans. 

So, if you want to get insured, you can get insurance signup even without being employed at the moment. If your income meets the requirement, you might even end up signing up free of charge. This is made possible as a result of the 2014 Affordable Care Act. 

This act mandates every marketplace insurance plan to provide the required cover for mental health and substance abuse treatment services. Therefore, no plan can prevent coverage for these problems even if the condition in question already exists. 

Another law that favors you to get insurance is the 2008 Mental Health Parity and Addiction Equity Act (MHPAEA) which mandates insurance companies to offer the same coverage level for substance abuse and mental health services as it is given to primary health care. Read this post to learn more about the Mental Health Parity and Addiction Equity Act. 

Is Free Rehabilitation Treatment Possible?

If you are interested in getting free care, you can search Google for options from your state insurance. You can also ask the county office in your location about Medicare or Medicaid programs depending on your eligibility. 


The fact that one is uninsured doesn’t mean they cannot receive the necessary care they need as they struggle to overcome addiction. That is why in the article above, we have provided the relevant information about ways to get rehab care for the uninsured who wants to recover from addiction.