Seeking fentanyl addiction treatment without health insurance can feel confusing and discouraging. Fortunately, there are many different ways to pay for rehab and a variety of great resources available online to help you feel like affordable treatment is within your reach. There are various facilities that provide payment treatment options that do not require a person to have insurance.

According to the National Institute on Drug Abuse, in order for treatment to be successful, the setting, services, and interventions must match the specific problems, characteristics, and needs of the person seeking help.¹ So when you or someone you love are seeking treatment, it is important to find a facility that addresses both your financial and treatment needs.

In this article, you will learn more about factors that influence the cost of substance abuse treatment; how to pay for rehab without insurance; payment plans and sliding scale options; government-, state-, and grant-funded treatment programs; and tapping into family and community support. You’ll also learn how to find fentanyl rehab and addiction treatment services for you or a loved one.

How Much Does Fentanyl Rehab Cost Without Insurance?

The cost of fentanyl rehab across the United States varies widely depending on various factors. Some factors that influence the cost of substance use disorder (SUD) treatment include:

Type of rehab. Rehabs can be private, non-profit, faith-based, or state- and government-run programs.² Rehabs can also be high-end luxury treatment facilities that cost more than regular treatment programs but will offer more amenities and are often located in scenic locations.
Level of care. Each level of care costs a different amount. Your cost will depend on whether you receive inpatient treatment, outpatient treatment, medical detox, partial hospital or intensive outpatient programming, or a combination of these services.
Length of care. Each facility will have different treatment plans and lengths of stay; the longer a rehab-stay, the more expensive it will be.

How to Pay for Fentanyl Rehab Without Insurance

Health insurance is often the most cost-effective way to pay for treatment. However, there are other options available to those seeking treatment without insurance. Most private and for-profit facilities will offer payment plans to clients seeking treatment. Non-profit, faith-based, and state- or government-run programs may offer treatment at a sliding scale cost that is based on income.³

All states also offer some state-, government-, or grant-funded treatment programs.³ These programs can sometimes have long waitlists or criteria that not everyone will meet, so it is important to ask these questions of each facility directly.³ If you or a loved one is seeking treatment and you do not qualify for any of these programs, you can also consider asking for financial support from family and friends, or you can seek support from one of many free community support groups.

Payment Plans and Sliding Scale

Payment plans and sliding scale options may be available directly through the treatment facility you are interested in. The best way to find out if the facility provides either option is to contact the business office and speak directly with the staff member whose job it is to collect payments from the clients, as they have the most knowledge in this area.

Payment plans are more common at for-profit organizations that accept insurance or private pay. Payment plans are usually offered to assist clients in paying the full cost of rehab that may not be covered by insurance. To qualify for this type of program, the facility will typically ask for the person’s annual income information.³

Government-Funded Fentanyl Addiction Rehab

Government-funded rehab programs are those that receive money from the government to provide free or low-cost addiction treatment to people who cannot afford treatment otherwise.³ State governments receive funding that specifically helps pay for treatment for people in need who don’t have insurance, too.³ The requirements for each facility can vary by state and facility. It is recommended that you contact the facility directly to find out what their specific requirements for admission are and whether or not they have a waitlist.

Scholarship and Grant Opportunities

The Substance Abuse and Mental Health Services Administration (SAMHSA) provides Substance Use Prevention, Treatment, and Recovery Services Block Grants (SUPTRS/SUBG) to public and private non-profit organizations that provide substance abuse services to their communities.⁴ These grants help organizations provide free services to people who cannot afford treatment on their own.⁴ Not every state has facilities that have applied for this grant money; however, this link will help you find out if a facility in your state offers grant money for treatment.⁴

Support from Family and Friends

Fentanyl misuse affects not only the person misusing, but also their loved ones. If you are ready to seek treatment but do not have the funds to pay for treatment, your friends and family may be willing and able to lend a hand in order to help you move toward a life in recovery.

Another option is using a crowdfunding website like gofundme.com to post your story. This method can reach a significant amount of people on the internet, including friends, family, community members, and others.

Community Support

Support groups are an amazing resource for ongoing mentoring, support, and accountability while in recovery. These groups are a free resource for aftercare provided in local communities or virtually. Some of the recovery support groups that are available to assist people who are trying to live a life in sobriety include:⁵

Narcotics Anonymous (NA).
Celebrate Recovery.
Secular Organizations for Sobriety (SOS).
SMART Recovery.
Life Ring.
Youth Move.
Women for Sobriety.

Can You Get Insurance Coverage for Fentanyl Rehab?

The Affordable Care Act (ACA) expanded access to substance abuse treatment for millions of people and made it more difficult for insurance companies to deny coverage based on pre-existing conditions or previous substance use disorder treatment episodes.⁶ Because of the ACA, facilities are now required to provide substance use disorder screening and treatment that is no more restrictive than medical and surgical services would be.⁶

The Mental Health Parity and Addiction Equity Act (MHPAEA) ensures that mental health and addiction services are covered equal to medical services.⁷ Some plans, including Medicare and Medicaid fee-for-service, do not have to follow these parity and equity laws.⁷

Medicare is a government-funded program for the elderly or for those who are younger and have a disability.⁸ Medicaid is a state-run insurance program for those who meet the standard for low-income and for people with disabilities.⁹ The Veterans Administration is a government agency that provides substance abuse services to Veterans who qualify for medical benefits. All of these programs may pay for certain levels of care and be able to supplement the cost of rehab if you qualify.

Using health insurance to cover the cost of rehab treatment is usually the most cost-effective way to pay for treatment. If you do not currently have insurance but would like to purchase a plan prior to seeking treatment, you can go to healthcare.gov to see if you can enroll in a plan today.¹⁰ Insurance, however, does not usually pay the full cost of treatment, so for most people, there will still be associated out-of-pocket costs, including:¹¹

A co-pay. This is a specified amount paid directly to a provider for services.
A deductible. The out-of-pocket cost you have to pay before your insurance will pay for services.
Co-insurance. A percentage you pay after your deductible is paid in full.
Out-of-pocket maximum. The total amount you will have to pay in a year before your insurance will pay 100%.

The amounts for each of these will vary per person, insurer, and plan type. Contacting your insurance company directly to inquire about your costs is the best way to get accurate costs associated with your specific plan.

Finding Fentanyl Rehab Without Insurance

Fortunately, there are many resources available to those who are looking for treatment but cannot afford the out-of-pocket cost. The resources listed above may be available to assist you or your loved one when seeking treatment.

Most people who are misusing fentanyl will benefit from at least 3 months of active treatment and a lifetime of ongoing recovery support.¹ The journey to recovery often starts with detox and treatment in rehab and continues with ongoing support such as that found with a mentor, sponsor, or peer support.¹

The admissions navigators at American Addiction Centers are here to help you through the process of finding the treatment facility that meets your treatment and financial needs. Contact one of our representatives today at to get started on your journey to recovery.

Fentanyl Addiction Treatment Without Insurance