Menu Close

Addiction Recovery Blog

Can I Afford Private Pay for Addiction Rehab?

A woman uses a phone and calculator to calculate the cost of paying for addiction treatment.

Have you ever needed something essential, but weren’t sure if you could afford it? For example, maybe your refrigerator has broken down and you need a new one. Since a refrigerator is such a vital appliance to your household, you need to replace it. The only problem is, it’s an expensive purchase. Then, you spend the next few moments going back and forth in your mind trying to come up with the best plan of action. 

The core of that experience is also what many people struggling with a drug or alcohol addiction find themselves in. You’re wondering if you’ll be able to pay for addiction treatment on your own without help from insurance. Let’s break down the top considerations that will help you decide if you can afford private pay for addiction treatment.

Get an Idea of What Type of Treatment You Need

The first step figuring out if you can afford private pay for addiction rehab is to get a better idea of the type of treatment you need. The type of treatment you need will be a crucial factor in determining the cost. Residential or inpatient treatment gives you access to intensive 24/7 care and supervision while taking you through a variety of therapies to uncover the cause of your addiction. Inpatient rehab can last anywhere from 30 to 90 days, and can be more expensive than an outpatient program where you spend a few hours in treatment each day. 

To find out what type of addiction treatment would be the best fit for your needs, contact a rehab center directly. An addiction treatment center like Footprints Beachside Recovery has staff members who will be able to talk to you about your unique situation.

Private Pay Options for Addiction Treatment

Even if you don’t have insurance, the good news is that there are still options out there to pay for the cost of addiction treatment. After all, most people don’t have access or simply can’t afford paying the full cost of rehab upfront. Take a look at some of the ways you can pay for addiction treatment below, and remember that it’s common to combine multiple options to cover the full cost.

Credit Cards

Once you know your credit score, you can start looking into using credit cards to help finance addiction rehab expenses. You can apply for credit cards designed to help people with medical expenses. Before you apply for any credit cards, be sure to check the interest rate attached.


Many people looking to pay for addiction treatment forget to look for loans that can help overcome any potential financial hurdles. Talk to your bank or credit union about how much of a personal loan they’d be willing to offer. It’s important to note that the interest rates for loans are usually less than those associated with credit cards.

Look into Crowdfunding

No matter what your credit card or loan situation looks like, you’ll have the opportunity to crowdfund. Websites like GoFundMe will let you set up a campaign where anyone can donate to your cause. You can even create a video explaining what you’re going to use the donations for while thanking everyone for their support.

Add Up All Your Numbers

After talking to a rehab center and researching your options for raising money, it’s time to see how the numbers add up. Combine the money you can pay out of pocket together with a rough estimate of the amount you think you could raise through financing. Once you have a final tally, reach back out to the rehab center you previously contacted.

Tell them the amount of money you have on hand and have them walk you through your options. It’s common for addiction treatment centers to offer some type of payment plan or financing as well. After this conversation, you’ll have an idea of whether you can afford private pay for addiction treatment.

Reach Out to Footprints Beachside Recovery to Start Your Recovery Today

At Footprints Beachside Recovery, our goal is to provide you with a personalized and holistic approach to addiction treatment that heals your mind, body and spirit. When you contact our admissions team to get your recovery started, we’ll also share the benefits that come along with paying privately for addiction treatment.

Have Questions? We're here to help.

(727) 954-3908