How to enter drug and alcohol rehab without insurance

Accessing rehab without private health insurance

Seeking help for addiction is a big step, and not having private health insurance shouldn't stop you from entering rehab. We offer flexible rehab funding options to help you or your loved one start the journey to recovery, even without private health insurance.

Take a self-assessment or speak to someone now, with no pressure to commit.

A group therapy session with age- and gender-diverse range of residents. Even without insurance, our rehab funding options can help you get the best shot at long-term recovery.

Flexible funding options

24/7 medical and emotional support

Individualised treatment plans

A proven approach to long-term recovery

A closeup of the folded hands of one of our residents as they listen to others speak during a therapy session.
Making sense of your funding options

Finding a way forward without private health insurance

No private health insurance? You still have options. We understand that funding addiction treatment can feel overwhelming, but there are solutions available to make rehab more accessible.

From self-funding and payment plans to government support and superannuation access, we can help you find a way forward. We can help you access the services you need, from medically-supervised drug detox at our Geelong hospital, to our recommended 90-day sobriety program at our Essendon inpatient facility, where you can make the most of our holistic physical, psychological and medical care.

Our team is here to guide you through the options that best fit your situation so you can focus on what matters — your recovery.

We’ll call it when it suits you, with no pressure to commit

What funding options are available?

Ways to fund your rehab stay at The Hader Clinic

Getting help without private health insurance is possible. Here are some rehab funding options you may be able to use. You may even be able to combine options. 

Unsure where to start? Take a self-assessment or book a time to chat – both are 100% confidential.

Government and community-based support

If private payment isn’t an option, you may be eligible for funding assistance:

Self-funding and payment options

Covering treatment costs yourself gives you full control over your care. We offer flexible self-funding options, including:

  • Self-funding: Pay upfront for your treatment with transparent pricing.
  • Payment plans: Spread out the cost of rehab with structured payment plans.
  • Superannuation access: You may be able to use your superannuation to cover treatment through the Early Release of Super scheme.
We work with leading health insurers

Private health insurance we accept

Your next steps

How to secure funding for rehab without insurance

step
1

Speak with our team

We can help assess your situation and guide you toward funding options that may be available to you.

step
2

Apply for funding assistance

If you're eligible for government or community funding, we’ll assist with the application process.

step
3

Begin your recovery

Once your funding is secured, we’ll help you start your treatment program as soon as possible.

Take a self-assessment or speak to someone now, with no pressure to commit.

Understanding the costs

What to expect when self-funding rehab

Your fee includes all core services: accommodation, therapy, meals, and ongoing support; and your final rehab costs depend on the rehab program you need and the length of your stay. We’ll help you explore self-funding, super access, or other options to make care possible.

A male resident sits in a group therapy session, with a female resident to his right and a female therapist to his left. He’s speaking to the group.

Take the next step

If you’re ready to explore rehab options without private health insurance, we’re here to help. Click below to get an assessment, book a chat, or contact us directly.

Take a free online assessment

Take a quick, private quiz to see if rehab could help and explore safe support options.

Book a free chat

 Schedule a confidential call with a specialist at a time that suits you.

Call us now

 Speak to someone immediately for guidance and support.

Real stories, real change

Client stories and testimonials

Recovery is possible for anyone, no matter their circumstances. Every day, we see people regain control of their lives through the right support, compassionate care, and a commitment to change.

Our commitment to quality care

Accreditation and standards

We meet national accreditation requirements under the Australian Commission on Safety and Quality in Health Care (ACSQHC). Our Geelong facility complies with the National Safety and Quality Health Service (NSQHS) Standards, ensuring that every client receives safe, evidence-based care in a professionally governed environment.

Recovery in a safe and welcoming environment

Our facilities and locations

Whether you're starting with medical detox or looking for longer-term support, we offer two options to suit your needs. Our Geelong facility is a fully licensed hospital for 24-hour supervised detox, while our Essendon centre provides a residential rehab program with structure, therapy, and holistic care. You do not need insurance to access either location, just the willingness to take the first step.

Inpatient Rehabilitation Program and Transitional Housing program.

Essendon
150-152 Cooper St, Essendon VIC 3040

Hospital Rehabilitation Centre for 28-Day Withdrawal & Detox Program.

Geelong
6-8 Townsend Road,St Albans Park VIC 3219
Get expert guidance

Speak to our team for an assessment

If you don’t have private health insurance and need help exploring your funding options, contact us today.

Speak to someone who understands

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Frequently asked questions

Can I go to rehab without private health insurance?

Yes, you can go to rehab without insurance. Many people enter treatment through rehab funding options such as payment plans, superannuation, or government support. Whether through self-funding, payment plans, or financial assistance, we’ll guide you through your options so you can access the care you need.

How do I know if I qualify for financial assistance?

Financial assistance eligibility depends on your personal situation. We can help you explore DVA, NDIS, Medicare, and low-income support options. A quick chat with our team can clarify what funding you may be eligible for.

What if I can’t afford to pay for rehab upfront?

We understand that upfront costs can be a barrier. That’s why we offer structured payment plans to spread out costs, as well as the option to access superannuation for medical treatment. We’ll help you find a funding solution that works for you.