Paying for Drug Rehabilitation in Washington

How Can You Pay for Drug Rehab in Washington State?

Paying for drug rehab in Washington state may be a reason you have been avoiding attending treatment for your addiction or alcoholism. Some luxury rehabs cost up to $90,000 per month, an astronomical amount. While most rehabs are much more affordable than that, rehabilitation financing is still a large obstacle for many. Residential treatment is not a cheap option for getting sober but does end up being incredibly helpful for those who do not know where to start.

The Substance Abuse and Mental Health Services Administration report that 23.5 million adolescents and adults needed drug or alcohol treatment in 2009. However, only 2.6 million of these 23.5 million people received the treatment they needed for their drug and alcohol dependence. That is only 11.2% of the population who needs drug treatment receiving it.

One of the biggest factors in people not receiving treatment in WA state is either an inability to afford it or a misunderstanding in how to pay for treatment. Many insurance companies cover some sort of drug and alcohol rehab and there is rehab financing available, but only to a certain extent. Those without insurance have slimmer options but there are still low-cost or free drug rehabs available to those who need them.

Do not allow price to be a barrier to you finding the help you need. You have options available even if it feels like you don't. Continue reading to find out more about rehabilitation financing and how to get help paying for rehab in Washington state.

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How To Pay for Rehab

Not knowing how to pay for rehab in Washington State may be the main reason you've been avoiding treatment for your addiction or alcoholism.

After all, some luxury rehabs can end up costing up to $90,000 per month- an astronomical amount. While most rehabs are much more affordable than that, rehabilitation financing is still a huge obstacle for many addicts.

In fact, the Substance Abuse and Mental Health Services Administration (SAMHSA) reports that the overwhelming majority of addicts don't end up getting the treatment they so desperately need.

About 17.7 million American adults needed but did not receive substance use treatment. Of that 17.7 million, about 16.9 million were in complete denial about their addiction. And of the remaining 800,000 that knew they needed treatment but didn't get it, almost one third said that the main reason was not being able to afford it.

While either an inability to pay for treatment or a misunderstanding in how to financially swing it is one of the main reasons most people don't actually seek treatment, it's actually more affordable than you may think.

Many insurance companies cover some sort of drug and alcohol rehab and depending on the facility you partner with, there is usually rehab financing available. Addicts without insurance have fewer options, but there are still many low-cost or free drug rehab options available to those who need them.

This guide will take you through some of the common misconceptions about how much treatment really costs and the variety of ways you can make it more reasonably priced. And most importantly, it will show you that there are always options available when it comes to affording treatment- no matter what situation you might be in.

A Quick Disclaimer: Addiction Actually More Expensive Than Treatment

Despite just how common it is for addicts to steer away from treatment due to the "high" price tag associated with getting sober, the truth is that investing in rehabilitation is actually far cheaper than staying on drugs.

Productivity impacts, healthcare costs, run-ins with the law, and not to mention the costs of the drugs themselves all tend to add up over time- no matter whether you're dealing with a mild dependency or a severely crippling addiction.

And the truth of the matter is that making the decision to put your money towards rehabilitation instead can actually end up putting less strain on your finances in the long run.

Below are a few statistics to help you understand just how much money you can save by getting sober, and how much the country as a whole can save too.

  • Every dollar invested in addiction treatment programs yields a return of between $4 and $7 in redurelated crime, criminal justice costs, and theft.
  • When healthcare is included, total savings can exceed costs by a ratio of 12 to 1 according tothe National Institute on Drug Abuse.
  • Consider this: a year of methadone maintenance treatment costs around $4,700. Incarceration and imprisonmee other hand, costs about $24,000.
  • Drug-related crime costs $61 billion annually.
  • Substance abuse costs the United States over $740 billion a year.

What Are Your Options When Paying for Drug Rehab?

Just the thought of paying for rehab can be enough to send many addicts running- even those that really and truly do want to get sober for good. And while it might seem like a daunting task at first, when you consider the numerous ways that you can pay for rehabilitation, treatment might be more affordable than you think.

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Use Your Private Insurance

One of the most important points to consider when thinking about paying for drug rehab is the fact that insurance is now legally required to help cover addiction treatment. That's right- the days where providers never included rehab in their coverage plans are long gone. This is thanks to new legislation brought in by the Affordable Care Act.

How to Pay for Rehab

And best of all, it will often help cover your costs nearly every step along the way of your recovery. That includes both detoxification and rehabilitation.

Depending on the type of insurance you have as well as on your benefits package, you may even be able to attend at very little cost to yourself paying little more than a simple copay. And for those with incredibly comprehensive care, they may end up paying nothing at all.

It really does depend on the specific company you use, and which plans you've signed up for, so it's still important to verify your insurance coverage before checking into rehab. But the fact remains that if you have private insurance, your treatment is going to be at least partially covered. And that can make affording rehab just that much easier.

Pay for It Yourself

If you have the means to do so, paying for drug or alcohol rehab yourself out of your savings is the least impactful option. You won't end up owing any money, and you can get started on building your savings account back up once you are out of treatment. It may be terrifying to put all of your savings account towards a stay in addiction or alcoholism treatment, but it may be the best decision and investment you ever make.

When you are heavily addicted to drugs and alcohol, usually that is what all of your money goes to. Oftentimes alcoholics and addicts buy themselves to broke when it comes to supporting their addiction. But once you've kicked your addiction and paid for your drug rehab, you won't have to funnel any of your hard-earned money into buying more alcohol or drugs.

And that might make it even easier to build up your savings again after treatment.

Ask Friends or Family for Help

It can be incredibly hard to watch a friend or loved one struggle with addiction. And as a result, family members or close friends may be willing to help you pay for your drug rehab program. Maybe they'll be able to offer you an interest-free loan, or maybe they'll even contribute without any expectation of getting paid back.

Others may not have families that can pay out of pocket but will be willing to assist you in paying for it. Parents, grandparents, aunts and uncles, or friends may be willing to pool together a fund to help you attend treatment to receive the help you need. Although in some cases your family may request that you pay them back, financing rehabilitation this way is still better than some options.

Some alcoholics may have sabotaged all of their relationships and don't have any family members or friends to turn to. But still, there are other options.

Taking Out A Loan or Paying with a Credit Card

You can also finance your rehab by taking out a loan or paying with your credit card. Though this is a less favorable option as it can make it harder to recover if the interest rates are too high, it will still allow you to get the treatment you need. And considering just how much rehab can change the way you look at the world and live on a day-to-day basis, it just might be worth it.

During drug rehab, you will learn the skills you need to function within society, and you'll also be able to get a job after your release- one thing that may have been tough to do as an addict. Then you can work on paying back the investment you made in yourself to get better.

The option of taking out a loan or financing rehabilitation with a credit card should only be taken if you are serious about getting sober, though. You certainly don't want to indebt yourself if you don't plan on following through with sobriety.

Instead, it's better to wait until you're ready to get sober before making an investment like financing your drug rehab.

Take Advantage of Rehab Financing Options

Many treatment centers also offer a range of flexible payment options to make getting sober significantly easier and more affordable.

For instance, some centers may offer month-to-month payment plans with little to no interest. That way if you do have a steady income, you can arrange to pay in installments without incurring any serious interest.

Other facilities might offer direct financing options with an interest rate attached. You'll end up paying more for rehab using this method than if you pay it outright but still, you're getting treatment that may have otherwise been completely out of reach.

And finally, some drug rehab programs offer pricing on a sliding scale. This essentially means that a facility will have a look at how much money you or your household make and then come up with a price for treatment based on that income. This is a bit rarer of an option but always be sure to ask if it's available as it can make rehabilitation substantially cheaper.

Ask About Scholarships or Grants

Finally, some facilities also offer scholarships or grants that will partially or fully cover the costs of treatment. These programs are highly selective, though, so you'll likely have to meet a specific set of requirements in order to qualify.

Some of the criteria you may come across for qualifying for a scholarship or grant include:

  • Falling into a certain income bracket (be prepared to share financial proof of your income)
  • Being especially committed to your recovery as exhibited by, for instance, a personal essay
  • Having a unique or remarkable background or life circumstance
  • Showing a dedication to and an involvement in the community

The criteria really depend entirely on the program offering it so be sure to get all the specifics before relying on this option.

Finding Free or Low-Cost Drug Rehab in Washington State

Even with all the options listed above, there are still some alcoholics and addicts to whom these options are not available. All the money is drained from their bank account, there are no friends or family left to borrow from, there is no credit to take out a loan, and all of the credit cards are already maxed out. There seems to be no option for funding their rehab.

However, if you are serious about your sobriety, there are detox and inpatient rehab facilities which offer either low-cost or no-cost treatment to those extremely in need. The demand for these facilities is generally high so the wait time might be significant but they are still an option. These low-cost rehab finance facilities will often work with the amount of money you are able to pay while free rehab allows you to stay at no cost.

Many of these facilities are state-run and are financed by government funding. To find a state-run center offering free or low-cost treatment near you, have a look at the Washington State Department of Social & Health Services' Behavioral Health Organization (BHO) Contacts list.

Another great source of free or low-cost treatment is the Salvation Army. In fact, the Salvation Army helps over 150,000 struggling addicts recover from addiction through rehabilitation.

In general, free and low-cost rehab options likely won't have the same amenities as other privately funded programs. But they still offer a chance at recovery that you might not have had beforehand.

Federally-Funded Public Programs for Addiction Treatment

There are a couple of federally-funded options you can also take advantage of when it comes to finding funding for your addiction treatment. The two most notable ones are government health insurance and the Veterans Administration.

  • Government Health Insurance- This type of health insurance includes Medicaid and Medicare. While tound similar, they are actually quite different. Medicare is used to help fund the healthcare costs of elderly Americans over the age of 65. Medicaid, on the other hand, is reserved for needy citizens of all ages and is usually used for low-income people.

To see if you qualify for either of these programs, have a look at the separate guidelines for Medicare and for Medicaid.

  • The Veterans Administration- Many veterans also tend to have substance abuse problems more often tar civilians. As such, the Veterans Administration provides addiction treatment assistance to qualified veterans of the U.S. Military. For more information, have a look at their substance use treatment programs page.

Washington-Specific Treatment Programs

Similar to how the federal government offers assistance for those seeking addiction treatment, Washington State also has a few programs that can make rehabilitation far more financially feasible.

These programs include treatment centers specifically focused on treating opioid addiction, Medicaid-funded treatment options for particular groups of Washington residents, and more. To find more information regarding treatment through Washington State, have a look at the state's Department of Social and Health Services' website.

Selecting A Level of Treatment That's Appropriate for Your Budget

Although cost can be a barrier to entry and can make financing your rehabilitation seemingly impossible, there are ways to cut down on costs simply by choosing the right program for you. While you may not be able to attend a high-end luxury rehab or stay for a full 90-day program, there are treatment options that may still give you a solid chance at long-term sobriety- without the eye-popping price tag.

Below are just some of the main rehabilitation options you can choose from on your journey towards recovery. Understanding what's involved in each can help you pick out the right kind of program to meet your needs and make treatment more financially viable.

Inpatient Rehabilitation- Inpatient rehab is generally the most expensive option for treatment, especially when you begin to get into the 90-day programs. 30- and 60-day stays will obviously be more affordable but can still be pricey depending on which program you decide to partner with. Since inpatient rehab is a residential treatment option and the facility provides overnight accommodations and often meals, these amenities tend to add to the high costs.

That being said, inpatient rehab is often pointed out as the absolute best option when it comes to ensuring the best chances for recovery. The separation from the obligations of day-to-day life, the full immersion in treatment, and the expert guidance from a knowledgeable and qualified staff make kicking a severe addiction easier than any other option.

An inpatient program is perfect for patients with the following qualities:

  • More severe addiction
  • Able to take time away from obligations for treatment
  • Multiple failed attempts at recovery

Partial Hospitalization Programs (~$350 to $450 per day)- As the name suggests, a Partial Hospitalization Program (PHP) will provide the same intensive care offered in inpatient rehab without the overnight stay. PHP usually takes place for 6 hours per day, 5 days per week. The same types of trigger management and relapse prevention are taught through educational sessions, individual therapy, and group therapy. You develop the same type of community as in inpatient, but you do not stay the night. Due to the lack of overnight accommodations, PHP tends to be more affordable than inpatient rehab.

A PHP is perfect for patients with the following qualities:

  • Moderately severe addiction
  • Can give up a large portion of their day for treatment, but not all of it
  • Unable to afford the full cost of inpatient rehab

Intensive Outpatient Program (~$7000 for a 10-week program)- If PHP is still too expensive, an Intensive Outpatient Program (IOP) may be another option for you. Intensive care in both individual and group settings. IOP can sometimes be confused with PHP due to the similar programming also in an outpatient setting. However, the difference between the two is the smaller number of hours spent in treatment in IOP. IOP takes place during usually 3-hour sessions, 3 days a week for around a total of 9 hours of weekly treatment.

An inpatient program is perfect for patients with the following qualities:

  • Intermediate to moderately severe addiction
  • Can only commit a limited number of hours a week for treatment
  • Cannot afford inpatient or PHP

Outpatient Programs (~$500 per week)- These programs provide some form of rehabilitation treatment in order to reduce cravings and teach effective coping methods just like inpatient programs. However, an outpatient program will allow recovering addicts to attend to their daily obligations while attending one to two-hour treatment sessions at night. These are usually delivered in the form of individual and group counseling sessions. These programs typically require patients to attend treatments around 2 to 3 times a week.

An outpatient program is perfect for patients with the following qualities:

  • Mild to intermediate addiction
  • Unable to commit more than a few hours several times a week for their treatment
  • Cannot afford inpatient, PHP, or IOP

Private 1-on-1 Counseling (Costs vary wildly; from $20 to $150 per hour)- Even more affordable in some cases is private drug and alcohol counseling- hour-long sessions with either a certified counselor or a therapist specializing in addiction. While speaking with a professional counselor outside of a treatment program can be much easier on your schedule, the treatment protocols usually aren't as intensive as professional programs. And that might mean your chances at recovery won't be as high if your addiction is severe.

Private 1-on-1 counseling is perfect for patients with the following qualities:

  • Especially mild addiction
  • Need the highest degree of time flexibility
  • Cannot afford a professional treatment program

How Can Your Addiction Rehabilitation Assistant Help?

An addiction rehabilitation assistant works directly with patients in a treatment facility, helping with various daily tasks. They assist with leading group sessions and maintaining order in the facility, operating within the umbrella of the treatment team. They may assist with medication management or distribution, ensuring each patient takes their medication on time. Addiction rehabilitation assistants can also help with various household tasks such as laundry or setting up meals.

In addition, an addiction rehabilitation assistant can help you with your financial planning when it comes to treatment. They are equipped to help you with drug rehab financing and figuring out how to afford the treatment you undergo. They will help you establish your treatment plan both in the short-term and long-term, always with your best interests in mind.

By working directly with your addiction rehabilitation assistant, they will help you figure out the best course of action to take. They will take into consideration both your sobriety and wellbeing, along with your budgetary constraints. They work with individuals of all different backgrounds and financial means; they will be able to help you find a way to afford what is best for you.

Your addiction rehabilitation assistant will also help you figure out who will pay for treatment. They will assist you in contacting the necessary parties, from friends and family members all the way to your insurance company.

In the end, no matter what kind of situation you find yourself in or how unaffordable you think treatment may be, an addiction rehabilitation assistant will help you find the best way to get into rehab and start your recovery.

Is Drug Rehab Really Worth the Cost?

When you do find the best way to finance your drug rehab, it will be well worth both your time and financial investment. That's because rehabilitation programs have so much to offer when it comes to ensuring your recovery.

Below are three of the core benefits of checking into a drug rehab treatment facility and how each of these benefits can help provide a hefty return on your investment.


The more you know about a problem, the more capable you're going to be of fixing hat's why rehabilitation is so focused on not just giving you the tools you need to fight cravings but also to actually teach you about what addiction really is.

During your time in drug rehab, you'll learn about what makes addiction so hard to overcome and what you need to do to ensure you stay sober in the long-term. But even more importantly, you'll learn about how addiction is a chronic, physical disease that needs actual treatment before it can get better (just like any other disease).

And with what you learn about addiction during rehabilitation, you'll be better able to stay sober for good.


While education about addiction is certainly vital for recovery, one of the mtant aspects of rehabilitation is learning about the tools and strategies you need to effectively cope with your cravings.

In most cases, you'll develop these skills using behavioral therapies, treatments designed to change the way you think and behave in times of stress. These range from highly clinical approaches like Cognitive-Behavioral Therapy (CBT) to other strategies like the practice of mindfulness that have withstood the test of time.

In the end, the behavioral therapies of rehab will help you give you back control over how you act and teach you self-reliance in the face of stressful situations.


Not only will you learn more about the role addiction has played in your life and howop healthier coping strategies, but you will also be a part of a tight-knit community. Heavy emphasis is placed on the group setting in any level of rehab: inpatient rehab, partial hospitalization programs, outpatient programs, or intensive outpatient programs.

By working together with a group, you'll learn to coexist with your peers, solve problems together, and hold one another accountable. You may also develop friendships through drug rehab that end up lasting long after the treatment program is over. After spending so much time getting to know these people, you may be surprised at how quickly they become an integral part of both your recovery and your life.

Drug rehab in Washington State also teaches you to work with people you don't always get along. Especially when living in a residential facility, you will encounter people you disagree with. By learning to handle disagreements in a sober environment, you can take the coping skills you learn back out into the world with you.

Northpoint Seattle Drug Rehab

Northpoint Seattle: Quality Affordable Rehab

Though it probably seems like a pricey investment right now, making the choice to pay for rehab may be one of the best decisions you'll ever make in your life. By giving yourself the opportunity to get sober, you open the door to a world of possibilities you may have never imagined like:

  • A steady career that you can be proud of
  • More money in your wallet to start doing things you enjoy
  • More free time for engaging in hobbies you love
  • A healthy social life that isn't driven by the mutual need to get high
  • A happy, functional family life that satisfies you more than any drug could

The possibilities really are endless. And at Northpoint Seattle, we'd love to help make these possibilities a reality for you.

Our nationally accredited Intensive Outpatient Program in Bellevue, Washington has everything you need to kick your addiction and craft the new, healthier drug-free life you've always imagined. We provide an empirically based program built on the latest in addiction research and catered to meet your specific needs- all in a brand-new, modern facility that's comfortable, inviting, and clean.

And if you're looking for detox services or inpatient rehab, we have plenty of trusted affiliates we work with every day. So, don't be afraid to get in touch for a referral.

By investing in drug rehab in Washington State, you are making an investment in a happier, healthier, safer version of yourself. And we'd be proud to be a part of your journey.

So, call us for a 100% free addiction assessment today. And let's start your recovery.