What Do I Do If I Need Rehab But I Recently Lost My Job Where I Had Insurance?

If you’ve recently lost your job and insurance coverage but now need to attend a rehab facility, you’re not alone. It’s common for those with drug and alcohol addictions to struggle with holding long-term employment, but luckily there are ways to attend rehab without insurance. Whether you’re looking for yourself or a loved one, here are a few ways to pay for rehab after you’ve lost your health insurance.


COBRA Coverage

If you’ve recently lost your job that offered health insurance, you may be able to retain your insurance through a program called COBRA. With this option, your previous employer will have to temporarily continue to provide health insurance for up to 18 months after termination.

This program requires you to still pay for the premium and administration fees of your rehabilitation facility, but the rest of it will be covered by your continued health insurance.



One of the simplest ways to pay for rehab without insurance is through financing. With this strategy, you or your loved one will attend rehab immediately and make payments to the facility after treatment has finished.

This option gives you the full time to get treatment and then, once your addiction has become more manageable, to regain employment and pay off the debt. This option is popular because consistent employment is all but impossible for those struggling with addiction, and financing gives you plenty of time to pay back your debt once employment becomes possible again.


Scholarships and Grant Programs

This option isn’t offered at every rehabilitation center, but it’s extremely helpful when available. Scholarships and grants will allow you to attend rehab for a reduced charge or, in some cases, completely free of charge.

Because of how desirable these scholarships are, they’re also extremely competitive. If you’re interested in applying, contact your local rehab centers and see if they offer grants to cover the cost of attendance. Side note: Your odds of receiving a scholarship are much higher if this is your first time going to rehab.


You Have Options

Regardless of your situation, there is always a way to send an in-need person to rehab. If you or your loved one are trying to enroll at a rehabilitation facility but don’t have insurance, then use the above suggestions to cover your cost of attendance.

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