How To Pay The Bills During Inpatient Rehab

Before you first enter an inpatient rehab program, speak with your health insurance to determine the cost of treatment. You will also need to find a way to pay all of your bills while you remain on-site at an inpatient facility. Consider finding a financial guardian or enrolling in automatic payments.

If you are hesitant to enter an inpatient drug rehab because of the lack of control you will have over your finances and the change in your daily routine, you are not alone. 

Thankfully, there are ways to make certain that important aspects of your life at home continue to be met while you remain at the facility.

While you or a loved one are at the drug or alcohol rehab, you can rest easy knowing the cost of treatment, as well as other financial obligations, will be taken care of. 

You will also need to speak with your work regarding the Family and Medical Leave Act (FMLA) to protect your job while you are in rehab. Your job may offer short-term disability as an option.

Get Started On The Road To Recovery.

Get Confidential Help 24/7. Call Today!

(419) 904-4158

First Figure Out How You’ll Pay For Inpatient Rehab

Before you begin setting up automatic payments or considering a friend making payments on your behalf, you’ll first want to have health insurance for inpatient care. 

Reach out to your insurance provider and speak with a representative from your insurance company to learn more about your coverage.

The cost of rehab can range depending on the treatment center and type of program you participate in. To understand your insurance coverage, learn if the rehab center is in-network with your policy and if you have a copay.

Medicaid and Medicare may be provided by the state and can possibly help assist you in paying for part of your rehab stay. You can also find information for government assistance from the Substance Abuse and Mental Health Services Administration (SAMHSA).

Find A Financial Guardian

Once you have a way to pay for your inpatient care, your personal finances will need to be taken care of. In order to make your monthly rent or mortgage payment, consider allowing a trusted loved one to be your financial guardian while you are away.

As part of your support network, a trusted friend can not only take care of your financial obligations, but may participate in group therapy with you.

Enroll In Automatic Payments

To make paying easier for you, there are many opportunities for you to enroll in automatic payments. 

Whether it’s for a streaming service or a monthly subscription fee, automatic payments can be taken out of your bank account automatically, without you having to worry about it.

Before you consider this as a payment option, be certain you have enough money in your bank account to cover any automatic payments.

Take Out A Personal Loan

Another form of financial assistance can come in the form of a personal loan. If there are bills or payments that should be paid for in advance, consider taking out a personal loan to assist you during the time you will be at rehab.

Speak with a representative at your bank or credit union to find out if you qualify for a loan or a credit card.


You can also consider crowdfunding as an option to help pay for your bills or your rehab stay. Start a GoFundMe campaign which will draw interest in your situation.

With this option, your loved ones can support you financially. This may be beneficial if they are unable to assist you in other ways.

Inpatient Addiction Treatment Options

At an inpatient treatment facility, there are a wide range of addiction recovery rehab programs for you to consider. Depending on the type of substance abuse treatment program you may require, you have multiple treatment options that can include:

To learn about our drug and alcohol addiction treatment services for yourself, a family member, or a close friend, as well as the cost of rehab at our treatment facilities, please contact us today.

  1. Substance Abuse and Mental Health Services Administration
  2. Substance Abuse and Mental Health Services Administration
  3. Substance Abuse and Mental Health Services Administration

Written by Ohio Recovery Center Editorial Team

Published on: January 9, 2024

© 2024 Ohio Recovery Center | All Rights Reserved

* This page does not provide medical advice.

Prefer Texting?
We've got you covered.

Receive 24/7 text support right away.
There is no obligation and you can opt out at any time.

Sign up for text support

Receive 24/7 text support right away.
There is no obligation and you can opt out at any time.
Let us walk you through the treatment process. We're here to help.
For 24/7 Treatment Help:
100% Free & Confidential. Call (419) 904-4158
(419) 904-4158