How Do People Pay for Rehab Services?

According to the National Institute on Drug Abuse (NIH), each year, America pays over $600 billion for substance abuse rehab services. Addictions also have health and social consequence costs which add to this total.  However, it costs less to treat an addicted individual than to pay for imprisonment. On average, it costs about $4,700 to pay for a year of methadone treatment for one person. If they are put in prison, according to the U.S. Government’s Daily Journal The Federal Register, it costs about $40,000 per year.

At Cenikor we understand cost concerns and know when considering addiction rehab, many worry about how to pay for it. At Cenikor we seek to alleviate barriers so cost does not prevent people from receiving help.  Listed below are different options available to help you afford treatment.

Rehab Services as an Answer for How to Recover from Addiction

The goal of addiction recovery is to help reestablish healthy, productive interactions. This includes relationships involving the family, job, and community.  Studies show that entering and staying in rehab stops addictive behavior. Which studies say this? This needs to be cited.  Studies also report less criminal activity, better social and psychological functioning, and improved work performance among those who have gone through recovery programs.

As Cenikor understands and models at its centers, It’s important to remember that every person is unique. Recovery success depends on the type and extent of their problem. Having an appropriate care plan and quality treatment also impacts outcomes.

Addiction treatment also requires a commitment to behavioral changes. It may also involve taking medications to correct addictive cravings and psychological effects.  After all, addiction is a chronic disease like high blood pressure and diabetes. If you stop taking the medications or following the diet, you’ll get worse. The same can adverse effects happen with those recovering from addiction.

To find out more and get help, it’s important to contact Cenikor today. We can help you develop the tools needed to start and stay on the road to recovery

 Paying for Rehab

There are many different ways that individuals pay for rehab services. The first step is to find out which options are available to you. You may need to apply to programs and wait for acceptance before starting treatment.

The following will help you know where to start looking for help.

Employee Assistance Programs

Some companies offer Employee Assistance Programs (EAP) as a benefit for their workers. The individual may have access to free assessments, referrals, counseling, and follow-up services.  There is often a limit to the number of free sessions. Employees may have the option to continue seeing the EAP counselor and pay out of pocket.  EAPs don’t provide medical care or replace medical or mental health providers. They work with outside resources when the situation exceeds the EPA program limits. An EAP can help you get started and get referrals for the right treatment.

Credit Card

Another payment option for addiction rehab is to apply for a low-interest credit card. You can use this to pay copays and deductibles.  Often the credit limit is low at first so it’s important to pay the balance as soon as possible. This will improve your credit history and prevent building up debt.


For those with poor credit, no health insurance, or other financial problems, you can try fundraising. Today, social media provides many ways to start a crowd-source fund for your cause. It may surprise you that friends, family, churches, and other groups want to help with your recovery.


Some finance companies specialize in healthcare-related loans or credit. Often this includes addiction treatment costs. These loans may have lower interest rates and more flexibility.  Also, consider talking with the bank that you use regularly about loan options. Speak with friends or family who may have the ability to set up a personal loan.


Medicare beneficiaries may receive inpatient and outpatient addiction treatment. There are some rules that must be met in order to receive coverage.  Your healthcare provider must certify that the services are medically necessary. All treatment must occur in a Medicare-approved facility or from an approved provider.

Medicare Part D covers medically necessary outpatient prescription drugs used for addiction treatment. Yet, Part D doesn’t cover methadone or other similar drugs given for addiction treatment. It will cover methadone as part of an OTP service.

Another service, Structured Assessment and Brief Intervention (SBIRT), is also covered by Medicare. This service applies to individuals demonstrating addictive tendencies or behaviors. It includes screening, brief intervention, and referral to treatment.


Each state creates its own Medicaid rules and regulations. This means that your state may or may not pay for addiction treatment. Speak with a local Medicaid representative to learn about the plan and qualifications.  Several managed healthcare plans have entered into agreements with Medicaid. If you have access to these specialized programs, talk with a Cenikor representative about your needs. Also, make sure the rehabilitation center accepts these plans.

Payment Plans

Some addiction treatment facilities offer sliding scale fees and payment plans. They may even offer their own financing plan with low monthly payments.

Private Insurance

The American Community Survey and the Current Population Survey Annual Social and Economic Supplement measured insurance coverage. The report showed that 92% of Americans had private health insurance for at least part of 2019.

At Cenikor, we accept the following insurances:

  • Aetna
  • Amerigroup/MultiPlan
  • Beacon Medicaid
  • Blue Cross Blue Shield
  • Cigna
  • Cigna Health Springs Medicaid/ MultiPlan
  • Community Health Choice
  • CompCare
  • Cook Children’s Health Plan
  • Galaxy Health Network
  • Magellan Commercial
  • MHNet
  • Parkland Community Health Plan – Medicaid
  • Right Care Scott & White Medicaid
  • Scott & White Health Plan
  • Sendero Health Plan – Medicaid
  • Texas Children’s Health Plan
  • TMHP Traditional Medicaid
  • USA Managed Care Organization
  • Value Options (presently known as Beacon Health Options)
  • Cenpatico/Superior
  • Humana
  • Employee Assistance Program (EAP)

This does not represent a complete list. Contact Cenikor to find out if they accept your insurance.

Each insurance plan has different rules about what they pay for. Ask about what your policy covers related to rehab.

It may cover inpatient and/or outpatient treatment as well as follow-up counseling. Other services include medical detox that often uses medications. Also, ask if they cover maintenance meds.

Are You Thinking About Seeking Addiction Rehab Services?

If you or a family member is struggling with an addiction, you may be considering rehab services. This article provided information about different options available to help pay for rehab.

At the Cenikor Foundation, we offer a variety of programs. They’re designed to help you and your loved ones get your life back on track This is done by addressing key behavioral issues.

The best way to learn how to deal with it, though, is to call Cenikor today at 1-888-236-4567.  We look forward to hearing from you today.

man on beach enjoying freedom from substance abuse

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