Paying for Addiction Treatment: How Much Does Rehab Cost?

Rehab is one of the most important steps you can take on your path to recovery, but the cost of rehab programs is a concern for many people. The price of rehab varies a great deal based on the specific program in question. Addiction treatment rehab cost depends on:

  • Type of facility and whether you’ll receive inpatient treatment or outpatient treatment
  • Length of program
  • Location of facility
  • Size of program
  • Amenities
  • Treatments provided
cost

Cost of Rehab (By Type of Treatment)

The type of treatment offered by a facility has a bearing on the cost of rehab. Treatment types and their approximate cost include:

Inpatient Treatment

Inpatient treatment programs provide round-the-clock care for people recovering from drug and alcohol addiction. The estimated cost of inpatient treatment ranges from $2,000 to $20,000 or more in total. Most of these programs last 30 days. Programs designed to last 60 or 90 days can be $40,000 or more in total.

Keep in mind, these estimates are for the total cost of the program. Insurance coverage might reduce your out-of-pocket expenses for inpatient rehab.

Outpatient Treatment

Outpatient treatment programs provide a lot of the same support and therapy as inpatient programs, but patients live at home instead of at the facility. These programs tend to cost less because they are not offering round-the-clock care. This doesn’t mean they aren’t expensive, though. Outpatient care ranges from about $5,000 for two to three months up to $10,000 for the same period.

Intensive outpatient treatment, which offers more comprehensive care, is more expensive and averages $3,000 to $10,000 for a 30-day program.

Medication-Assisted Treatment 

Medication-assisted treatment involves a patient taking medication to reduce withdrawal symptoms and/or alleviate cravings. Many medication-assisted treatment programs are long-term. This is a common therapy used to treat opioid addiction.

A relatively recent study by the US Department of Defense estimated the cost of opioid treatment and found that the average cost of care was just under $6000 per year for patients treated with buprenorphine. Patients given methadone paid approximately $6500 per year. 

Naltrexone patients paid the most at more than $14,000 per year. In all three cases, medication-assisted treatment is combined with other therapeutic approaches.

Dual Diagnosis Treatment

Care for treating a co-occurring disorder, sometimes called dual diagnosis, is more expensive than treating an alcohol or drug addiction alone. However, receiving care for the co-occurring disorder is an essential part of recovery. Co-occurring treatment that prioritizes a disorder closely connected to addiction reduces the risk of relapse.

Treatment also tends to be more expensive for co-occurring disorders because ongoing care is essential.

The average cost of treatment for dual diagnosis on an inpatient basis is $500 to $3000 depending on how extensive care is. Outpatient programs tend to be less expensive, but can still be a significant cost because patients work with multiple care providers and might need more than one medication.

Typically, the initial weeks and months of care for treating a co-occurring disorder are more expensive and over time, the cost of managing health concerns diminishes.

Partial Hospitalization Programs

Partial hospitalization programs (PHP) are an option for someone who needs intense care during the day but has a stable environment to return to at night. PHP programs average about $300 to $500 per day.

Holistic Treatment Programs

Holistic programs might cost more than basic conventional programs because you’ll work with more service providers. This isn’t always the case and many programs are beginning to use a holistic approach, so you’ll need to consider the options available in your area and make your decision based on the cost of those specific programs. 

Costs vary widely based on their customizability. You should expect to pay a few hundred dollars or more per day for inpatient holistic treatment.

Luxury Rehab

The cost of luxury rehab varies a great deal based on the facility, but they tend to be more expensive than other programs. This is because patients receive necessary medical care, as well as a variety of additional services that make the rehab experience more comfortable – and in some cases more effective.

Luxury rehab is private and usually in a tranquil setting. These programs protect the privacy of patients and are popular with celebrities. The majority of people who utilize these programs can afford to pay for care out-of-pocket, but insurance usually covers a portion of the medically necessary costs.

difference

Drug Rehab Costs vs. Alcohol Rehab Costs

There is no rule regarding whether drug rehab is always more than alcohol rehab or vice versa. It all depends on the person’s specific addiction, the rehab facility, and the coverage available.

The specific treatment offered by a facility, as well as other factors, determines its cost. For example, luxury drug and alcohol rehab programs cost more than programs that offer basic drug and alcohol treatment. Residential facilities are more expensive than outpatient programs because they provide overnight care. Smaller programs might be more than larger facilities because they provide more personalized care.

The length of your treatment also affects the cost. The longer you receive care the more you’ll pay. The location of the facility also plays a role in the cost.

The cost of rehab is indirectly linked to the addiction because some addictions take longer to treat and require higher levels of care. For example, someone who must undergo medically assisted detox followed by medication-assisted therapy pays more than someone whose recommended course of treatment is 30 days of behavioral therapy only.

Are Payment Plans Available for Addiction Rehab?

Many rehab programs offer payment plans for patients who have to pay a portion of their care out-of-pocket. Many programs also require time away from work, which means a person’s earnings is drastically reduced while in recovery. Payment plan options vary from facility to facility.

The goal of treatment is to help the patient with recovery and reduce the risk of relapse. Credible treatment centers want to help patients recover, not bankrupt them. This means many are flexible and willing to work with patients regarding financial obligations, so they offer payment plan options.

Most rehab centers have a financial department and offer guidance and help you explore payment options such as personal loans or credit card payments to help with the cost of care.

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Types of Insurance Coverage for Rehab

Medicare

Medicare is an age-based financially sponsored medical insurance program. Coverage includes medically necessary inpatient rehab as long as the patient has proof of necessity from a doctor.

The out-of-pocket costs with Medicare vary based on the length of care you receive. Costs are consistent but vary widely based on your personal situation and the care you require. It’s important to understand your obligations if you are covered by Medicare. Most rehab facilities will review this with you or your family during the admissions process.

Medicaid

Medicaid is a state and federal health insurance program. Eligibility to enroll in Medicaid is based on income and several other factors that vary from state to state. Most people using Medicaid qualify as low-income families, but the program is also extended to some pregnant women and disabled adult children. Many states expanded Medicaid coverage under the Affordable Care Act (ACA), so you should check your eligibility for coverage now, even if you were previously denied.

In addition to expanding Medicaid eligibility, ACA also made coverage for substance abuse and mental health treatment under Medicaid mandatory. This means if you are on Medicaid and need substance use treatment, you are eligible to receive at least some type of care. Keep in mind, this might not mean your care is free. It’s important to explore your options and understand your responsibilities before enrolling in a program.

Private Insurance

Most private insurance plans offer coverage for rehab. Your chosen program and the cost of your deductible, if any, affect the cost of care. In most cases, the higher the premium you pay the lower your out-of-pocket cost for treatment.

Your provider can provide you with specific information about coverage.

Military Insurance

TRICARE offers insurance coverage for US military families. This includes coverage for rehab. Various levels of addiction treatment ranging from detox and withdrawal support to extended medication-assisted therapy and other continuing care options are available.

State-Financed Health Insurance

Many states offer state-funded insurance programs in addition to Medicaid coverage. Programs are funded by a variety of sources, including federal grants, reimbursement through Medicaid, and direct from the state. These programs are a public health service and reduce addiction rates in communities. Most alcohol and drug treatment facilities accept this coverage.

Some of these programs have a waiting list. Don’t be discouraged if you aren’t immediately accepted into a program. If you can arrange to pay for care from another source, you could be eligible for reimbursement in the future through one of your state’s programs.

Resources

“Inpatient Rehabilitation Care Coverage.” Www.Medicare.Gov, www.medicare.gov/coverage/inpatient-rehabilitation-care

“Rehabilitation | TRICARE.” Tricare.Mil, www.tricare.mil/CoveredServices/IsItCovered/Rehabilitation

Boninger, Joseph W., et al. “Patient Protection and Affordable Care Act: Potential Effects on Physical Medicine and Rehabilitation.” Archives of Physical Medicine and Rehabilitation, vol. 93, no. 6, June 2012, pp. 929–934, www.ncbi.nlm.nih.gov/pmc/articles/PMC3508768/, 10.1016/j.apmr.2012.03.014.

Updated on: September 22, 2020
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Alcohol Rehab Help Writing Staff
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Medically Reviewed
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Annamarie Coy,
BA, CADACII/ICADC, ICPR, MATS
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