Your Payment Options
Use the options below to discover the various ways you can pay for treatment based on your specific finances, employment history, insurance and more. Remember that while treatment for addiction can be expensive, avoiding treatment can be even more costly. We’re here to help.
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Do you have a financial adviser?
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What is your insurance?
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Are you: (check all that apply)
Based on your responses, these resources can help you make a plan for recovery.
You have a financial adviser
Great! Financial advisers can act as a first line of defense when it comes to dealing with substance use disorder and can help strategize the best ways to pay for treatment. A financial adviser can ensure that assets like retirement funds remain intact while identifying other ways to pay for treatment. They can also assist with other costs associated with substance misuse, such as medical bills, unemployment, and car repairs.
Contact your financial adviser to discuss your options. Remember that you trust them with your financial future — you can trust them with this too.
Contact your financial adviser to discuss your options. Remember that you trust them with your financial future — you can trust them with this too.
You don't have a financial adviser, but would like to work with one
A trusted financial adviser can help you maintain your financial goals even during the crisis of addiction. There are many resources available that explain how to select a financial adviser as well as tools to find a licensed professional in your area.
Learn More
Learn More
You have employer-provided insurance (private)
Most treatment centers accept employer-provided (private) insurance. It’s important that you understand your insurance plan so that you are taking full advantage of the coverage available for you.
The Ohio Department of Insurance can assist in finding the substance use disorder benefits of your plan. You can also contact your health insurance company or your employer’s human resources department directly to learn more about your coverage.
Then, use our treatment map to search for nearby facilities that accept private insurance.
Did you know? Medicaid covers the cost of substance use disorder treatment. If you or your loved one is 18 years of age or older and meets the requirements, they can apply for Medicaid to cover treatment costs instead of using private insurance. Learn more at Medicaid.Ohio.Gov.
The Ohio Department of Insurance can assist in finding the substance use disorder benefits of your plan. You can also contact your health insurance company or your employer’s human resources department directly to learn more about your coverage.
Then, use our treatment map to search for nearby facilities that accept private insurance.
Did you know? Medicaid covers the cost of substance use disorder treatment. If you or your loved one is 18 years of age or older and meets the requirements, they can apply for Medicaid to cover treatment costs instead of using private insurance. Learn more at Medicaid.Ohio.Gov.
You have Medicaid
Medicaid covers the cost of addiction treatment. There are some limitations to what treatment types are covered so it’s best to contact your carrier directly to confirm coverage. You can also use our treatment map to find a facility near you that accepts Medicaid.
If you have a loved one who is living with substance use disorder and is 18 years of age or older and meets the requirements, they can apply for Medicaid to cover medical expenses and treatment costs. Learn more at Medicaid.Ohio.Gov.
If you have a loved one who is living with substance use disorder and is 18 years of age or older and meets the requirements, they can apply for Medicaid to cover medical expenses and treatment costs. Learn more at Medicaid.Ohio.Gov.
You have Medicare
Medicare covers the cost of addiction treatment. There are some limitations to what treatment types are covered so it’s best to contact your carrier directly to confirm coverage. You can also use our treatment map to find a facility near you that accepts Medicare.
The Ohio Department of Insurance also provides free, one-on-one counseling to those enrolled in Medicare and can help assist with questions regarding treatment coverage. Learn more at Insurance.Ohio.Gov.
The Ohio Department of Insurance also provides free, one-on-one counseling to those enrolled in Medicare and can help assist with questions regarding treatment coverage. Learn more at Insurance.Ohio.Gov.
You don't have insurance
If you don’t have insurance, that’s ok. Many treatment centers around the state offer financial assistance to those who qualify. Use our treatment map to search for one near you.
Those who qualify can also enroll in a plan through the Health Insurance Marketplace. All plans are required to have substance use disorder treatment benefits. Learn more at Healthcare.Gov.
There are also other community and faith-based financial assistance programs available. Contract your church, credit union or other community partner that may be able to help.
Those who qualify can also enroll in a plan through the Health Insurance Marketplace. All plans are required to have substance use disorder treatment benefits. Learn more at Healthcare.Gov.
There are also other community and faith-based financial assistance programs available. Contract your church, credit union or other community partner that may be able to help.
You are a member of a church or a house of worship
Many churches offer financial assistance services, financial consulting and even addiction counseling. They also often have programs that can help with other areas of life that may be impacted by substance misuse, such as food assistance, utilities, clothing and more.
Contact your church to find out more about the services they offer.
Contact your church to find out more about the services they offer.
You are a member of a credit union or bank
Many credit unions offer free financial counseling and debt relief services for their members. Your bank may also provide similar services, either complimentary or for a fee.
Financial counselors will work with you to make a personalized plan to help pay for treatment or remedy debts from past treatment or other costs related to substance misuse. Contact your credit union or bank to see if they offer these services.
Financial counselors will work with you to make a personalized plan to help pay for treatment or remedy debts from past treatment or other costs related to substance misuse. Contact your credit union or bank to see if they offer these services.
You are a veteran or active-duty military
Military insurance often covers the cost of substance use disorder treatment and most treatment facilities in Ohio accept this type of insurance. Use our treatment map to locate nearby facilities that accept military insurance.
There are also a variety of programs in Ohio that assist veterans with mental health and addiction services. Learn more from the Ohio Department of Mental Health and Addiction Services.
There are also a variety of programs in Ohio that assist veterans with mental health and addiction services. Learn more from the Ohio Department of Mental Health and Addiction Services.
Selecting a Financial Adviser
Connecting with a financial adviser can help you navigate the costs of substance use disorder and get your financial plans back on track. Financial advisers act as your trusted resource for managing your finances and reaching your goals, even during the crisis of addiction. Learn best practices for finding a financial adviser and search for one near you.
Find Treatment Near You
Use our treatment map to find nearby treatment facilities with a variety of addiction services and payment methods.
The information provided in this tool is for educational and informational purposes only and does not constitute medical, legal or financial advice. Those seeking personal medical, legal or financial advice should consult a professional.
