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6 Ways to Pay for Alcohol Addiction Treatment Without Insurance

By WebMD Connect to Care Staff
Treating alcoholism can be expensive, but these ideas can help.

It’s important to know how to find alcohol addiction treatment without health insurance, in case you’re uninsured or you have a health plan that doesn’t cover the services you need. Here are some ideas to help you get started.

Employee Assistance Programs

If you or a loved one is employed, you might have access to employee assistance programs (EAPs) that can connect you with wellness services.

“Many companies offer employee assistance programs to help their employees manage personal problems including mental health disorders and alcohol abuse,” says Brian Wind, PhD, clinical psychologist and chief clinical officer at JourneyPure treatment centers in Tennessee. “The EAP is often provided at no cost and may even cover family members such as a spouse or your children.”

Scholarships 

Addiction treatment centers sometimes provide scholarships for those in need. 

“This is like a university scholarship but for drug and alcohol treatment. Treatment centers usually have money for this,” Jennifer Musselman, LMFT, a California-based psychotherapist, tells WebMD Connect to Care. 

These facilities can also refer you to other options when insurance is limited.

“Companies really want to put you in their treatment center, but if your insurance won’t cover it, the center is supposed to refer you to a community center or other nonprofit that will cover you,” Musselman says.

Nonprofit and Charity Organizations

Alcoholics Anonymous may be the most well-known support group for recovery from alcohol use disorder, but there are others. You can search the web, or get in touch with WebMD Connect to Care Advisors to find the right local support group for you.

“Those communities are so powerful. Their role is to be of service. Just show up and say ‘Day one,’ and people will embrace you and offer their help,” Musselman says.

Government Programs

Your state might provide addiction treatment services. This could be through a state program or through Medicare or Medicaid. Employment agencies or community health centers could also assist you with addiction treatment. 

Family

“You may have family members who are willing to help out with the expenses if you truly are committed to making a recovery,” Wind says.

It’s important to be as clear as possible when taking family loans for addiction treatment, says Michael Lewis, CFA, MBA, an advisor at Tutor Financial Advisors in North Carolina who specializes in families dealing with addiction.

"If they are concerned about giving the money directly to you, let them write a check directly to the facility,” Lewis says. “Make sure you have a written agreement with each family member specifying the amount, interest rate, and term.”

Third Party Loans

Third party loans may be tougher tos secure since interest rates can depend on credit history and income. But Wind says it might be worth it, considering the alternative. 

“Taking out a loan so you can start recovery sooner may be a better option in some cases,” Wind says.

Get Help Now

Untreated alcohol use disorder can ruin lives, so seeking help as soon as possible is the best way to avoid long-term effects. WebMD Connect to Care advisors are standing by to help you take the first step towards recovery.

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