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Cost of Rehab for Addiction
The type of treatment you receive in a particular rehab program determines the cost. Holistic and luxury rehab facilities tend to charge more than programs that offer only basic services. All of these programs can be effective, but having the ability to customize rehab to your needs increases your odds of success.
What do you need to know about treatment programs and the cost of rehab?
Even programs offering basic rehab services can vary widely in cost. These programs include:
Inpatient treatment programs offer supervision and care for people recovering from alcohol addiction on a 24/7 basis. Estimates for these programs range from $2,000 and $20,000 or more. Most take 30 days to complete, though some last 60 or 90 days and cost at least two times as much.
Insurance coverage might be available for these types of programs depending on your insurance plan.
Outpatient treatment programs are similar to inpatient programs in terms of medical care, but they offer less supervision. People in outpatient programs do not stay overnight or receive round-the-clock care. Because of this, they tend to cost less but can still be expensive.
Intensive outpatient treatment is more comprehensive and averages $3,000 to $10,000 for a 30-day program.
Medication-assisted treatment (MAT) utilizes medication to reduce withdrawal symptoms and/or alleviate alcohol cravings. Many medication-assisted treatment programs are long-term. This is a common therapy used to treat opioid addiction. These programs included drugs such as naltrexone (Trexan) and acamprosate (Campral) and tend to cost more due to the expense of the medications.
Dual Diagnosis Treatment
Dual diagnosis treatment is for people who have a co-occurring disorder in addition to alcohol use disorder (AUD). Treatment is more expensive than treating only AUD because it requires more resources. But without mental health support rehab has a greater likelihood of failing. Long-term care is also a common component of dual diagnosis treatment.
The average cost of treatment for dual diagnosis on an inpatient basis is $500 to $3000. Outpatient programs, as usual, tend to be less expensive. However, the need for multiple care providers and different medications increases the cost in both outpatient and inpatient settings.
Partial Hospitalization Programs
Partial hospitalization programs (PHP) are an option for those in need of intensive care during the day. A patient needs a stable environment to return to at night for PHP to be successful. This type of rehab averages about $300 to $500 per day.
Like AUD, drug addiction can be treated in a variety of different rehab settings. The type of rehab you choose affects the cost. For example:
These are round-the-clock programs, meaning you receive care day and night. They range from $2,000 to $20,000 or more and last 30, 60, or 90 days. The services offered in an inpatient treatment program greatly affect the cost, which is why there is such a wide range.
Outpatient treatment programs also tend to vary a great deal based on the services offered. Services offered in inpatient drug rehab are available on an outpatient basis, but you receive less supervision.
These programs tend to range from about $5,000 to $10,000 for two to three months of treatment.
Dual Diagnosis Treatment
Many people dealing with a drug addiction also have a co-occurring disorder such as depression or schizophrenia. Care for treating these conditions is an important part of rehab, but it increases the cost of drug addiction treatment. Many people with co-occurring disorders also need long-term care and maintenance. The cost of rehab ranges from $500 to $3000.
Partial Hospitalization Programs
Partial hospitalization programs (PHP) are available for treating drug addiction. These programs are comprehensive but do not include overnight care. The cost tends to range from $300 to $500 per day.
Ways to Pay for Addiction Treatment
Are Payment Plans Available for Addiction Rehab?
Rehab is expensive. Rehab centers know this, but they want to provide services to as many people as possible.
Substance use treatment programs also require time away from work. This means people might not earn what they normally would when they are focused on recovery.
Many credible treatment centers offer payment plans that allow patients to extend their out-of-pocket costs over time so they can afford the care they need to recover from their addiction.
Types of Insurance Coverage for Rehab
Medicare is an age-based federal insurance program. Recipients receive coverage for medically necessary inpatient rehab treatment. A doctor must deem the treatment necessary. Out-of-pocket treatment costs for Medicare recipients vary based on the treatment program and your overall insurance situation.
Medicaid is a state and federally funded health insurance program based on financial need and other factors. Medicaid recipients include low-income families, pregnant women, and disabled adult children.
Affordable Care Act
The Affordable Care Act (ACA or Obamacare) made coverage for substance use and mental health treatment mandatory for those who need it. The cost of rehab might not be free, but you will receive some coverage to help with the out-of-pocket expense of your treatment. Those in need of rehab can explore their treatment options with their provider.
Private insurance providers usually offer coverage for rehab. Costs vary a great deal, but for most, the higher your premium the better your coverage for care. Your provider can explain specific information about coverage.
TRICARE is the insurance program offered to US military families. This insurance covers rehab costs including detox and withdrawal support, extended medication-assisted therapy, and other aftercare treatment options.
State-Financed Health Insurance
Most states offer insurance coverage in addition to Medicaid benefits. These programs are funded by a variety of sources, such as:
Reimbursement through Medicaid
The goal of these programs is to reduce addiction rates in communities. The majority of alcohol and drug rehab facilities accept this coverage. These are popular programs and often have a waiting list. In some cases, you’ll need to pay out-of-pocket when you need treatment and be reimbursed by the program at a later date.