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What Are My Options for Paying for Rehab Without Insurance?

pay for rehab without insuranceWhen you’ve finally admitted to having a drug or alcohol problem and have accepted help, you’ve made a giant first step towards living a better life. Now, you have to make decisions about where you’ll go to rehab, what type of program you’ll participate in, and how you will pay for treatment. While most people pay for rehab using health insurance, more than 25 million Americans are uninsured.[1]

If you are one of the millions of uninsured Americans, you may be wondering how you can possibly pay for rehab without insurance. Fortunately, there are many ways you can comfortably afford rehab in the Boston area.

Ways to Pay for Rehab Without Health Insurance

People who don’t have insurance often search for non-profit or government-run rehab facilities. Nonprofit and government-funded addiction treatment programs in Massachusetts can be a great option for people who don’t have insurance, however, these programs can also be difficult to get into due to long wait times and short staffing. Sometimes, the waitlist for these programs can be as long as several months–which is way too long to wait when you are struggling with addiction. At the same time, these facilities may not provide the same individualized level of care as private drug rehab centers do.

Instead of waiting for a spot to open up at a free treatment center, consider taking advantage of the many different ways you can pay for rehab without insurance.

Financing/Payment Plans

Many treatment centers in the Boston area provide financing options. If you qualify, you can get set up on a payment plan which allows you to pay back the amount you owe in small, monthly increments. Some payment plans require you to start paying during treatment while others don’t start until after you leave rehab. Making small monthly payments are easier to manage and can lessen the financial burden of paying for rehab outright.

Loans and Credit Options

There are several private financial institutions that provide loans or credit options for people who need help covering healthcare bills. The loan amount you receive will vary depending on your credit score and loan history, however, healthcare loans typically have lower interest rates than regular loans. A few financial institutions where you can apply for loans for substance abuse treatment include:

  • Prosper
  • Lightstream

Additionally, some financial institutions provide low-interest credit cards where credit can be applied to medical bills. These include:

  • CareCredit
  • United Medical Credit
  • AccessOne Credit

Scholarships and Grants

Scholarships and grants are another great way to pay for rehab without insurance. First, many drug rehab centers in Massachusetts offer private scholarships as a part of their treatment program to help cover the costs of people in need. Scholarships don’t hurt your credit and you are not required to pay the money back.

Second, there are private, state-wide, and national scholarships for substance abuse treatment. These include:

You must qualify and apply to have the chance at getting an addiction recovery scholarship. Scholarships and grants are typically reserved for people who have no other payment options.


If you don’t qualify for financing, loans, or scholarships, you can try fundraising money for treatment. There are many online fundraising platforms that allow people to raise money for healthcare bills. Some of the most popular fundraising platforms are GoFundMe, Donorbox, and OneCause.

Sliding-Scale Payments

Some addiction treatment centers in the Boston area offer sliding-scale payment plans that are based on your income. This means someone who makes more money will have to pay more for rehab, while low-income individuals pay less. It is similar to a “pay what you can” approach, but with requirements regarding the minimum payment due. The money can usually be paid upfront in one lump sum or in the form of monthly payments.

Borrowing Money From Family and Friends

Asking for help isn’t easy, especially when money is involved. However, your friends and family want to see you get healthy, and most of them will do anything in their power to help you. In the end, even the smallest amount helps, so it’s worth a shot to ask your family and friends for private loans to help you pay for rehab if you don’t have health insurance.

Speak With a Trusted Admissions Counselor Today

Here at Woburn Wellness Addiction Treatment, we believe everyone is deserving of quality, individualized care–regardless of their income or financial situation. We recognize that most people who walk through the doors of a rehab facility are struggling financially, and many may not be insured.

That’s why we’re dedicated to helping you figure out how to pay for rehab and afford the care you need without using health insurance. Don’t hesitate to speak with one of our trusted admissions counselors to learn more about your payment options. Call today to get started.



Ready to Make a Change?

We know that overcoming addiction is not easy and requires courage to ask for help. At Woburn Wellness Addiction Treatment, our team of professionals has decades of combined experience in helping men, women, and families overcome substance abuse.

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