Unfortunately, at this time, Medicaid does not provide coverage for treatment at Discovery Point Retreat. We believe in being completely transparent with prospective clients, and we want to provide a clear and honest answer to this important question upfront. While we cannot accept Medicaid, this does not mean that high-quality, life-saving treatment is out of reach. There are several alternative ways to pay for your care, and our admissions team is dedicated to helping you explore every available option.
If you can afford it, there is the option of paying out-of-pocket. If possible, seeking aid from family members or friends can help cover the cost of care, which you can repay later. Specialized medical lenders, credit cards, and traditional banks may also cover the cost of treatment. Our goal is to remove as many barriers as possible between you and the help you deserve.
Why We Can’t Accept Medicaid — And What It Means for You
Navigating the world of insurance and rehab can be confusing, and it is helpful to understand why some facilities can accept Medicaid while others cannot. Medicaid programs are administered on a state-by-state basis, and each state has its own specific rules and reimbursement rates for substance use disorder (SUD) treatment. For a private treatment facility like Discovery Point Retreat to be in-network with Texas Medicaid, we would have to enter into a specific contract with the state. These contracts often come with stringent administrative requirements and reimbursement rates that are significantly lower than those from private insurance carriers.
While state-funded programs are a vital resource, they often have long waiting lists and may not offer the same range of specialized therapies or personalized care as a private facility. By operating outside of the state Medicaid system, Discovery Point Retreat is able to maintain a higher staff-to-client ratio, offer a broader array of evidence-based and holistic therapies, and provide a more individualized treatment environment. This focus on quality and personalized care is central to our treatment philosophy and is made possible by our private-pay and commercial insurance-based model.
Your Primary Alternatives to Medicaid for Private Rehab
Even without Medicaid coverage, a path to recovery at Discovery Point Retreat is still possible. We work with individuals and families every day to create viable financial plans using a combination of resources. The most common and effective alternatives are outlined in the comparison table below. Our admissions team can help you evaluate which combination of options makes the most sense for your specific situation.
| Payment Option | How It Works | Best For |
| Private Health Insurance | If you have a private plan through an employer or marketplace, it is the single best alternative to Medicaid. Most private PPO and HMO plans provide strong coverage for our full continuum of care. | Anyone with an existing private or employer-sponsored health insurance plan. Our team can verify your benefits for free with no obligation. |
| Self-Pay / Private Pay | Paying out-of-pocket directly. We accept Visa, MasterCard, American Express, Discover, and debit cards. | Those who want to begin treatment immediately with maximum privacy, no insurance authorizations, and no delays. |
| Healthcare Financing (e.g., My Treatment Lender) | Specialized medical lenders offer loans specifically for addiction treatment with high approval rates and fast funding. Repaid in monthly installments. | Those who need to spread the cost of treatment over time and want a lender who understands the healthcare context. |
| Support from Family & Friends | A personal gift or loan from loved ones who want to support your recovery. We can provide documentation to help facilitate these conversations. | Those with a supportive network of family or friends who are willing and able to contribute to the cost of care. |
| Traditional Bank Loan / HELOC | A personal loan or home equity line of credit from a bank or credit union. May offer competitive rates for those with good credit. | Those with established credit history or home equity who prefer a conventional lending institution. |
The Self-Pay Advantage: Investing Directly in Your Recovery
For those who are able, choosing to pay for treatment directly — known as self-pay or private pay — offers several distinct advantages. First and foremost, it removes any potential barriers or delays from insurance companies. You can be admitted and begin the healing process immediately, which is often critical when someone is ready to seek help. Second, it provides the highest level of privacy and confidentiality. Because no information is being sent to an insurance carrier, your treatment remains a completely private matter between you and our clinical team.
Paying directly for your care is also a powerful act of personal commitment. It is a tangible investment in your own future and well-being. At Discovery Point Retreat, we honor that investment by providing the highest quality of clinical care, a compassionate and supportive environment, and a full continuum of services designed to help you achieve and maintain lasting sobriety. We work with our self-pay clients to create clear, all-inclusive pricing so there are no financial surprises.
How to Explore Financing Options for Addiction Treatment
If self-pay is not immediately feasible, specialized healthcare financing is a practical and increasingly common solution. Medical lenders such as My Treatment Lender are specifically designed for healthcare expenses, including addiction treatment. Unlike traditional bank loans, these lenders understand the urgency of the situation and often have streamlined approval processes, allowing you to access funds quickly. Repayment is structured in manageable monthly installments, making the cost of treatment far more accessible.
Traditional personal loans from banks or credit unions are another viable option, particularly for those with established credit. Some individuals also choose to use a home equity line of credit (HELOC), which can offer competitive interest rates. Our admissions team can provide you with a clear breakdown of the total cost of your program to help you determine the right financing approach. We can also provide the necessary documentation to support any loan application.
Let Us Help You Find a Path Forward
Receiving the news that we cannot accept your Medicaid plan can be disheartening, but please do not let it be the end of your search for help. The most important step you can take is to call our admissions team. Our experienced and compassionate counselors are experts at creative financial problem-solving. They can walk you through each of the alternatives, help you understand the pros and cons, and connect you with resources you may not have known were available.
We serve individuals and families across Texas from our three locations in Waxahachie, Ennis, and Dallas, offering a full continuum of care from Medical Detox and Residential Inpatient treatment through Partial Hospitalization (PHP) and Intensive Outpatient Programs (IOP). Our admissions counselors are available 24 hours a day, 7 days a week, and there is never any obligation or pressure associated with calling us.