I went the rehab route - it was scary at first but so worth it. Yes, they do want to get payment and insurance handled early.
I did Night Intensive Outpatient. 3 hours a night, 3 nights a week, for 12 weeks, plus 2 meetings per week. It seemed like a lot going into it, but I honestly looked forward to it after about the second week. It was great to still live a normal life during the day, but get a strong foundation for recovery at the same time.
My facility offers free weekly aftercare once you graduate, and I have been going with a fellow recent graduate every week. I love it.
If you go into it with willingness, open mindedness, and honesty, you can get everything you want out of it. Take the suggestions, do what they say, stay motivated, and life improves quickly in more ways than just abstainence.
Good luck!