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How Can I Pay for Rehab in South Carolina Without Health Insurance?

Addiction is a chronic and progressive disease that must be treated professionally. Unfortunately, addiction treatment can become very expensive. While health insurance covers most of the cost of treatment, many individuals suffering from addiction don’t have insurance.

There are many ways you can pay for rehab in South Carolina without health insurance. Paying out of pocket is always an option, but the majority of people don’t have that kind of money just lying around.

If you are trying to pay for rehab without health insurance, you could always get help from friends, family, or a crowdsourcing program. Thankfully, most rehab programs in South Carolina offer sliding scale options, payment plans, and even scholarships!

As you can see, addiction treatment programs have an array of options for patients without health insurance. Let’s take a look at a few.

How Do Most People Pay for Rehab?

Most people use their health insurance to pay for rehab. Because of the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA), health insurance providers are required to cover addiction treatment services.

The ACA and MHPAEA ensure that insurance providers cover addiction treatment costs and do not discriminate against their clients by offering less coverage for rehab services than other forms of medical care.[1] Because of this, if you have health insurance, using it to pay for rehab is the best option.

While you may not currently have health insurance, it’s never too late to get coverage.

Medicaid is a health insurance program funded by the government that provides coverage to low-income individuals at little to no cost. Additionally, Medicare is a great option for individuals aged 65 or over or young people with disabilities.

If you do not have health insurance because you cannot find an affordable plan, consider obtaining Medicaid or Medicare to cover your rehab costs.

Will Drug and Alcohol Rehab Centers in South Carolina Accept Me as a Patient if I Don’t Have Insurance?

Yes, many drug addiction treatment centers in South Carolina will accept you as a patient without health insurance.

However, most programs may require you to pay the full cost of treatment out-of-pocket. As a result, it is important to ask the admissions office about payment options for patients without insurance.

Most treatment centers have a payment plan or a sliding scale fee option for their low-income patients. Additionally, some programs may have a scholarship program to help individuals suffering from addiction who are unable to pay for treatment.

What are my Options for Paying for Rehab Without Insurance?

Addiction treatment can be expensive, but your life and happiness are priceless. You need to remember that your health is your number one priority.

Paying for rehab without insurance may be difficult, but there are a few payment options to consider.

Payment Plans or Sliding Scale Fees

Many rehab programs understand that paying for treatment can be difficult. To help make addiction treatment more accessible to everyone, some programs offer payment plans and sliding scale fees.

Typically, addiction treatment payment plans work by splitting up your final payment over a few months. Some programs require you to make four payments, while others work with you to figure out a payment plan that suits your financial needs.

Sliding scale fees are based on your income. This means that your cost of treatment will reflect how much you can afford to pay, rather than how much the treatment program costs. This is only offered to low-income patients.

Help From Friends and Family

While asking for help might be difficult, that’s what family is for. It is important to recognize that asking your loved ones for help is never embarrassing or shameful, especially when it comes to addiction treatment.

Your family and friends have probably watched you struggle with addiction, worried for your health, and hoped you would attend professional treatment. Asking them to help you pay for professional addiction treatment may seem like a huge ask, but usually, your family just wants to see you succeed.

Crowdsourcing

Another great way to pay for addiction treatment is by crowdsourcing.

On programs like GoFundMe, you could reach millions of people who are passionate about helping others. Sharing your story and asking for each person to donate $10 could completely cover the cost of addiction treatment.

Scholarships or State-Funded Programs

Some addiction treatment programs in South Carolina offer scholarships or grants to individuals with limited financial resources. You should always ask a prospective treatment facility about their scholarship options if you are paying for treatment without health insurance.

If you are a low-income household, a state-funded program may be a good fit. To explain, there are state-funded programs that have been created to provide low-income individuals with the addiction treatment services they deserve. Search for state-funded programs in your area to find out which treatment centers offer free treatment.

Find the Addiction Help You Deserve

It is important to attend professional addiction treatment, as it is a chronic and progressive disease that can quickly become life-threatening. If you or a loved one needs addiction treatment but doesn’t have health insurance, there are options available.

Contact South Carolina Addiction Treatment today to get connected with an affordable and reputable addiction treatment program.

References:

  1. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/mhpaea_factsheet

Medically Reviewed: September 25, 2019

Dr Ashley

Medical Reviewer

Chief Editor

About

All of the information on this page has been reviewed and verified by a certified addiction professional.

Dr Ashley Murray obtained her MBBCh Cum Laude in 2016. She currently practices in the public domain in South Africa. She has an interest in medical writing and has a keen interest in evidence-based medicine.


All of the information on this page has been reviewed and verified by a certified addiction professional.

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