Make addiction treatment more financially manageable with financing options that let qualified patients spread the cost of eligible recovery programs and treatment services into convenient monthly payments.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Addiction treatment financing gives patients and their families a comfortable way to pay for drug and alcohol rehab over time, so cost is less likely to delay care when someone is ready for it.
The decision to enter treatment is often urgent, emotional, and made by a family in crisis. When a person is finally ready for detox, residential care, or an outpatient program, a large out-of-pocket cost can force a wait no one can afford. Insurance may cover part of care, but out-of-network balances, deductibles, and the portion a plan does not pay still land on the patient or a loved one, often all at once.
A way to pay over time changes that. When patients and families know they can spread the cost into monthly payments, more of them can act on the decision to get help right away, which supports both timely care and a steadier admissions process for your program.
With addiction treatment financing, patients and families can spread the cost into monthly payments while your program is paid in full, upfront. You keep your pricing, the lender handles repayment, and the patient can begin treatment without a long wait.
Get Paid Upfront
Your program receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your admissions team back time for patients.
Keep Your Pricing
Offer a flexible way to pay without discounting care or writing off unpaid balances.
Key Takeaways
Addiction treatment financing lets a patient or family member pay for care in monthly installments, while your program is paid in full once the loan funds.
The patient or a loved one applies, reviews the options they qualify for, and moves ahead if approved. Your program receives the full amount when the loan funds, and the borrower repays the lender over a term that fits their budget.
FigCare Pay connects treatment centers and recovery programs with a network of lenders that help patients and families finance detox, residential care, outpatient programs, and medication-assisted treatment. Because so much of this care is paid out of pocket or carries a large out-of-network balance, a clear way to pay is often what lets someone enter treatment without delay.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient or a family member applies through your financing link and sees the monthly payment options they qualify for, privately and in minutes. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Treatment | The loan funds, your program is paid in full, and the patient can be admitted to care. |
Offer monthly payments through a lender, so patients and families pay over time while you keep your full price and skip the billing, collections, and write-offs.
When a family hesitates at the cost of treatment, it is rarely because they doubt the care. More often, paying a large sum in a moment of crisis feels impossible. Discounting cuts into fees you have earned, and carrying a balance yourself asks your team to become a collections department and risks a write-off. Financing keeps both off your plate: the borrower pays over time, and the lender manages repayment.
Because much of treatment revenue is out of network or self-pay, that predictability helps you plan around beds, clinical staff, and programming with more confidence.
Patients most often finance detox, residential rehab, partial hospitalization, intensive outpatient, medication-assisted treatment, and aftercare.
Financing fits the levels of care patients and families pay for out of pocket, though eligibility for any specific program ultimately rests with the lender.
Medical Detox
$5,000 – $10,000
Supervised withdrawal, usually the first step before further treatment.
Residential / Inpatient Rehab
$15,000 – $40,000+
Live-in programs, typically 30 to 90 days, and the highest-ticket level of care.
Partial Hospitalization (PHP)
$350 – $600 per day
Day treatment with a high level of structure, billed across the program.
Intensive Outpatient (IOP)
$3,000 – $10,000
Structured outpatient care that lets patients keep more of their routine.
Medication-Assisted Treatment
$100 – $500 per month
Ongoing MAT protocols combined with counseling and monitoring.
Sober Living & Aftercare
$500 – $2,500 per month
Structured housing and continuing-care programs that support recovery.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
There is no single national price, but outpatient care often runs a few thousand dollars, while residential rehab commonly reaches $15,000 to $40,000 or more.
Cost depends on the level of care, length of stay, setting, and whether a patient uses insurance or pays out of pocket, and no authoritative body publishes a fixed price list. The typical ranges below reflect what patients and families commonly pay. For help understanding levels of care and options for paying for treatment, patients and families can turn to SAMHSA’s guidance on paying for treatment.
| Level of Care | Typical Range |
|---|---|
| Outpatient program | $1,000 – $5,000 |
| Intensive outpatient (IOP) | $3,000 – $10,000 |
| Partial hospitalization (per day) | $350 – $600 |
| Medical detox (full) | $5,000 – $10,000 |
| Residential / inpatient (30-day) | $15,000 – $40,000+ |
| Medication-assisted treatment (monthly) | $100 – $500 |
Ranges are illustrative of what patients and families commonly pay and are not a cited national average. Actual cost varies by level of care, length of stay, setting, and coverage.
Present monthly payments together with the cost of care, as a normal and private option, and with sensitivity to the crisis a family may be in.
A simple, compassionate sequence keeps the admissions conversation clear for patients, families, and staff alike.
Make financing visible where families look for help, on your website, admissions and insurance pages, and during the intake call.
Because families often research options quickly and under stress, the earlier they know that paying over time is possible, the more likely they are to move forward, so financing should read as a normal, supportive option rather than a last resort.
Before Admission
During Admission
Financing pays your program in full upfront and hands repayment to the lender; in-house plans keep the balance, the collections, and the write-off risk on your team.
Treatment centers collect payment in several ways, and the real difference is how much time and risk each one puts on your team. Financing can also work alongside insurance, covering an out-of-network balance or the portion a plan does not.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Detox, residential, and higher-ticket care |
| Pay in Full | Right away | Not applicable | Low | Families ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Smaller balances or deposits |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider a family facing a $20,000 residential stay after insurance. With your own plan, you admit the patient and then wait on the balance, and a late or failed payment becomes your team’s problem to chase or write off. With financing, the family borrows for the stay, the loan funds, and you are paid in full while the lender handles repayment and sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients and families a flexible way to pay monthly while you keep your pricing and hand the billing to the lender.
They apply directly, the lender sets the rate and term, and once the loan funds your program is paid according to your agreement.
During the application, the borrower may be asked for details about their identity, income, and credit, and the lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and some let borrowers preview their options before a full application. It helps to understand how an installment loan is repaid over time so your team can answer basic questions and send the rest to the lender. Once everything is finalized and the loan funds, your program is paid per your arrangement.
The loan is between the borrower and the lender, so repayment issues follow the lender’s policies, while your own admission and refund terms cover the care.
If a Borrower Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the care you have provided.
If a Patient Leaves Treatment Early
Spell out in your agreement how you handle an early discharge or a change in level of care. Leaving treatment early does not automatically change the borrower’s loan, so communicate any refund clearly.
If a Refund Is Requested
Set your refund and adjustment terms before admission, especially for prepaid stays. Any refund follows your agreement and the lender’s terms, since the loan is separate from the care.
Keep your pricing clear, protect patient confidentiality, present financing as one option among several, keep outcome claims honest, and follow the marketing and anti-inducement rules specific to treatment.
Addiction treatment is a heavily regulated field, with strict confidentiality rules and laws against improper inducements and patient brokering. Present financing simply as a way to pay, never as an inducement or a promise of a specific recovery outcome, protect patient privacy at every step, and keep all marketing truthful. For recognized clinical standards and ethical guidance, programs can look to the American Society of Addiction Medicine.
| Do This | Avoid This |
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If you are out of network or carry large out-of-pocket balances and regularly see admissions stall over cost, financing is likely a strong fit.
When a family says some version of “we want help now, but we cannot pay for all of this today,” a flexible way to pay keeps cost from delaying care and helps more people enter treatment when they are ready.
Add monthly payment options to the admissions and benefits process you already run, keep your pricing, and get paid in full once the loan funds.
FigCare Pay helps treatment centers and recovery programs build financing into their existing admissions process, so cost is one less reason someone waits to get the care they need.
Ready to Add Financing to Your Program?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Cost figures are illustrative typical ranges and do not reflect any specific program’s pricing. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice. If you or someone you know is in crisis, call or text 988 to reach the Suicide and Crisis Lifeline.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
The patient or a family member applies through the program’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the program receives the full amount and the lender manages repayment, so the patient can be admitted to care.
Yes, in many cases a spouse, parent, or other loved one can apply as the borrower to help fund a patient’s treatment. The lender bases approval on the applicant’s credit and other factors, which can help when the patient is not in a position to apply themselves.
Patients and families commonly finance medical detox, residential and inpatient rehab, partial hospitalization, intensive outpatient programs, medication-assisted treatment, and sober living or aftercare. Eligibility for any specific program is set by the lender.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.