Self-Pay & No Insurance Options for Rehab
Not having insurance should not stand between you and recovery. Keystone Health Group offers private-pay rates, payment plans, sliding scale fees, and can connect you with state-funded programs.
Important: If you have health insurance — even if you're not sure what it covers — call us first. Most insurance plans are required to cover addiction treatment, and our team verifies benefits for free. You may have more coverage than you expect.
Your Options Without Insurance
Self-Pay / Private Pay
If you do not have insurance or prefer not to use it, Keystone Health Group offers private-pay rates for all levels of care. Our admissions team will provide a clear, itemized cost estimate before you begin treatment. We believe in transparent pricing — no hidden fees.
Payment Plans & Financing
We offer flexible payment plans to spread the cost of treatment over time. Our financial counselors will work with you to find a payment structure that fits your situation. We also work with third-party healthcare financing options that offer low-interest payment plans for medical treatment.
Sliding Scale Fees
For individuals who demonstrate financial need, Keystone Health Group may offer reduced rates on a sliding scale basis. Eligibility is determined by income and financial circumstances. Speak with our admissions team to learn whether you qualify.
Community & State-Funded Referrals
Keystone Health Group is a private-pay facility and does not accept Medi-Cal or other state-funded insurance programs. However, if private treatment is not financially feasible, our admissions team can refer you to community resources and publicly funded programs in your area.
Community & State-Funded Referral Resources
Please note: Keystone Health Group is a private-pay facility and does not accept Medi-Cal, DMC-ODS, or other state-funded insurance programs. The resources below are independent programs we can refer you to if private treatment is not financially feasible.
If cost is a barrier, we will not leave you without options. Our admissions team can connect you with the following publicly funded resources in California:
SAMHSA Treatment Locator
SAMHSA's free online treatment locator helps you find publicly funded and low-cost treatment facilities near you, including facilities that accept Medi-Cal and state-funded programs. This is the best starting point for finding affordable treatment options in your area.
Find Treatment Near YouLos Angeles County Department of Public Health — Substance Abuse Prevention and Control
LA County's SAPC program funds a network of treatment providers that accept Medi-Cal and offer low-cost or no-cost services for eligible residents. Contact them directly to find a provider in your area.
LA County SAPCSAMHSA National Helpline
The Substance Abuse and Mental Health Services Administration (SAMHSA) offers a free, confidential helpline (1-800-662-4357) that provides information and referrals to local treatment facilities, support groups, and community-based organizations — including free and low-cost options.
SAMHSA National HelplineSAMHSA Treatment Locator
SAMHSA's online treatment locator helps you find publicly funded treatment facilities near you, including those that offer free or sliding-scale services.
Find Treatment Near YouWhat to Expect with Self-Pay
When you choose to pay privately, Keystone Health Group provides complete transparency about costs before you begin treatment. There are no hidden fees. Our admissions team will walk you through:
Frequently Asked Questions
How much does rehab cost without insurance?
The cost of addiction treatment varies significantly depending on the level of care, length of stay, and facility. Medical detox typically ranges from $1,500–$3,500 per day at private facilities. Residential rehab can range from $6,000–$20,000 per month. PHP and IOP programs are generally less expensive. Keystone Health Group will provide a clear cost estimate during your admissions consultation.
Can I use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for rehab?
Yes. HSA and FSA funds can be used to pay for qualified medical expenses, including addiction treatment. If you have an HSA or FSA, you can use those pre-tax dollars to cover your treatment costs, which effectively reduces the after-tax cost of care.
What if I can't afford treatment at all?
Please call us. We will not turn anyone away without exploring every possible option. Our admissions team can help you identify state-funded programs, county services, SAMHSA resources, and other low-cost or free treatment options in your area. Recovery should not be out of reach because of finances.
Is it better to use insurance or pay out of pocket?
In most cases, using insurance is the most cost-effective option if you have coverage. However, some individuals prefer to pay privately to maintain confidentiality (insurance claims create a record) or to access specific programs not covered by their plan. Our admissions team can help you weigh the options for your specific situation.
Do you offer scholarships or financial assistance?
In some cases, Keystone Health Group may be able to offer financial assistance for individuals who demonstrate exceptional need. Please speak directly with our admissions team about your situation — we will do everything we can to help.
Talk to Our Admissions Team
We'll explore every option with you — payment plans, state programs, and more. Available 24/7, completely confidential.
Call 855-83-RENEWCheck If You Have Coverage
You may have insurance you're not aware of. Let us check — it's free and takes minutes.
Verify Insurance NowInsurance Resources
Don't let cost stand between you and recovery.
Our admissions team is available 24/7 to explore every option with you — no judgment, no obligation.