How to Pay for Rehab in New Jersey

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Medically Verified: October 27, 2023

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

paying for rehab in New Jersey

How to Pay for Rehab in New Jersey

Addiction to drugs and alcohol can lead to severe, sometimes life-threatening consequences. While the devastating effects of addiction can impact every aspect of a person’s life, many do not get the treatment they need to overcome substance abuse.

Many barriers can prevent people from seeking treatment, even when substance abuse devastates their lives. One of the most common barriers to getting treatment is worrying about paying for rehab. However, there are many ways to pay for rehab. Understanding your options and paying for rehab can help you make the best decision regarding your care.

If paying for rehab seems overwhelming, you are not alone. Reach out to the knowledgeable specialists at The Living Room now to learn more about our effective treatment programs in New Jersey and to discover many ways to pay for rehab.

The Cost of Rehab

No two people have the exact same experience with addiction and recovery, and treatment is not a one-size-fits-all process. Since people have different needs in treatment, many levels of care are available. Different programs, rehab centers, and levels of care have varying costs. Choosing a treatment program that meets your needs and can support you as you work toward your goals is the most critical aspect of choosing treatment.

The cost of rehab varies depending on the length of the program, the level of care, and the amenities offered by the treatment facility. Addiction treatment is available in many different settings and several levels of care, including:

  •  Outpatient programs
  •  Partial hospitalization programs (PHPs) or day treatment programs
  •  Intensive outpatient programs (IOPs)
  •  Medically-supported detox programs
  •  Inpatient and residential rehab programs

In most cases, outpatient rehab programs cost less than residential or inpatient treatment programs. In residential care, patients receive 24/7 supervision and treatment and live in the treatment facility while receiving care. Outpatient programs require people to live at home while receiving services part-time.

Treatment programs also vary in the amenities they offer. Some upscale rehab programs in New Jersey may provide gourmet meals, spa services, and other luxurious amenities. While these amenities can be nice during detox and rehab, they can also drastically increase the overall cost of rehab. 

Paying for Rehab With Insurance

The Affordable Care Act (ACA) requires insurance companies to cover the costs associated with mental health and addiction treatment. If you have a private health insurance plan through your employer or the open marketplace, many or all of the costs associated with rehab are likely to be covered. However, insurance plans can vary, and it is essential to verify the details of your specific plan before beginning treatment. Understanding which services, providers, and programs are covered will help you avoid unexpected out-of-pocket expenses later. 

To verify the details of your specific insurance plan, call the number on the back of your insurance card and speak to a representative about the treatment you need. You may also look up the details of your insurance plan and check for coverage on the insurance company’s website. 

In many cases, insurance companies require people to have a formal diagnosis of a substance use disorder (SUD) before using Insurance to pay for rehab. The first step of using Insurance to pay for rehab is to get a substance abuse evaluation and a substance use disorder diagnosis.

How to Pay for Rehab Without Insurance

If you do not have private health insurance, you may be able to purchase a plan on the Affordable Care Act insurance marketplace. However, if you cannot afford private insurance or do not meet the criteria to buy private insurance, you may be eligible for a public healthcare option, such as Medicare, VA insurance, or Medicaid.

If you cannot obtain health insurance, there are other ways of paying for rehab that can help you get the treatment you need. Here are some options you have when paying for rehab without insurance.

Low-cost or free rehab

Residents of certain states will have access to free or reduced-cost addiction treatment programs. Because of the high demand for addiction treatment in New Jersey, many programs have a waiting list and may not be the best option for people needing immediate treatment.

Sliding scale rehab

Many treatment facilities provide sliding scale services, meaning the facility will consider a patient’s financial situation and adjust the cost of treatment to make it affordable. 

Grants or scholarships

Many treatment facilities in New Jersey provide scholarships or grants to people who cannot afford to pay for rehab. Other organizations may also offer grants that allow people to get help for substance abuse treatment. Applying for grants and scholarships can take time, so it is crucial to begin your search as soon as possible.

Payment plans

Many New Jersey treatment facilities offer the option of developing a payment plan that lets people pay for rehab in smaller, more manageable payments. Instead of paying for rehab upfront or at the end of treatment, people can pay in affordable increments for months or years afterward.

Paying for rehab may seem overwhelming, but staying addicted to drugs and alcohol is much more expensive. Don’t let worrying about paying for rehab keep you from getting the help you need to live a healthier, sober lifestyle.

Find Help Now

If you want to explore the different ways to pay for rehab or learn more about substance abuse treatment, reach out to the caring professionals at The Living Room at Princeton now. Our holistic approach to substance abuse treatment can give you a fresh start and help you live the life you choose instead of the one addiction chooses for you. 

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More than anybody, we understand that reaching out for help can be difficult. If you have any questions about our programs, services or the recovery process itself; please connect with us now. We are here to provide guidance and support… every step of the way.

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