Several options exist to help you find affordable short-term and long-term treatment for substance use. The resources below outline a range of choices—from public programs and insurance coverage to low-cost clinics and community supports—and can help connect you with solutions that fit your needs. If cost or insurance feels overwhelming, you’re not alone. Many people qualify for coverage or low-cost care they didn’t realize was available until they explored their options.
Medicaid is the major source of coverage for substance use treatment in the United States. It pays for detox, outpatient care, medication-assisted recovery (MAR) and — in many states — residential care. Eligibility is income-based, and many people qualify for benefits.
Medicare covers certain outpatient substance use services for eligible individuals over 65 or with certain disabilities. Coverage varies by service and setting. Your local SHIP counselor can help explain what’s available.
In addition to Medicaid, every state offers publicly funded treatment programs supported through federal and state grants. These programs assist people who are uninsured or cannot afford care.
HRSA health centers (over 16,000 nationwide) offer primary care and, in some cases, substance use and mental health services. If they do not offer full treatment, they can help connect individuals to local programs. HRSA clinics must see patients regardless of ability to pay and offer sliding-fee discounts. Calling ahead is recommended to confirm available services.
Indian Health Services (IHS) and tribally operated clinics provide free or low-cost healthcare — including substance use treatment—to eligible American Indian and Alaska Native people. Services and availability vary by location.
The Salvation Army offers free or affordable residential programs in many communities. Service availability differs by location.
Private health insurance includes plans obtained through an employer, purchased directly from an insurer, or purchased through the Health Insurance Marketplace.
Employer or Direct Private Plans
Private insurance is most commonly obtained through an employer, with employers often covering part of the monthly premium. Some individuals and families also purchase private plans directly from insurance companies or with the help of a licensed broker.
Marketplace plans are offered by private insurance companies and are designed for people without employer-sponsored coverage, sometimes due to affordability issues. These plans are required to include substance use disorder treatment as an essential health benefit, and financial assistance may be available to help reduce monthly costs, depending on income and household size.
This reputable organization provides expertise if you have questions or issues regarding health insurance. Get personalized guidance from advisors who are on hand to help, at no charge.
For help with insurance questions and benefits, or escalating appeals or denied claims, contact NAIC.
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Not sure where to begin? A peer recovery specialist can help you or a loved one take the next step, often free or low cost.
