How To Pay For Rehab Without Insurance?

Affording Rehab Without Insurance

Financing Options for Rehab Without Insurance

If you are considering going to a rehab program but lack insurance to help cover the costs, there are a variety of ways to finance your rehab experience.


Taking out a personal loan is a common way to cover the costs of rehab. When looking into a loan, you should consider the interest rate and the repayment terms. Many lenders offer personal loans specifically for medical expenses, so you may want to start there. However, there are also other loan options that can help cover the costs of rehab, such as a refinance, home equity loan, or a debt consolidation loan.

Grants and Scholarships

Grants and scholarships are another potential financial resource for rehab. Some organizations provide scholarships for individuals who are seeking treatment for substance abuse or mental health issues. Additionally, many state and federal government agencies offer grants for addiction treatment and mental health services.


If you have savings that can be used, it can be a great way to finance your rehab experience. For example, if you have an emergency fund or a retirement account, you may be able to access the funds to cover the costs of rehab.

Frequently Asked Questions

Do You Wear Your Own Clothes in Rehab?

Typically, yes. Most rehabs allow you to wear your own clothing, as long as it is appropriate. If you are unsure of what is appropriate, you should contact the rehab center to find out their dress code.

How Many Rehabs Are in LA?

According to the Los Angeles County Department of Mental Health, there are more than 300 licensed mental health and substance abuse treatment providers in the county.

Does Medi Cal Pay for IOP?

Yes. Medi Cal, the California Medicaid program, covers Intensive Outpatient Programs (IOPs) for individuals with substance abuse and mental health issues.

Is There a Rehab App?

Yes. There are a variety of apps available to help with addiction recovery. For example, RecoveryPlus is an app that helps individuals with recovery goals, such as creating a relapse prevention plan, tracking cravings, and managing their moods.

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