Drug & Alcohol Rehab Costs & Insurance Coverage
In This Article
Only one in ten people in the U.S. receive substance abuse treatment.1 One factor for such a low figure is the cost of rehab, which can vary greatly.
The good thing is there are treatment centers and programs for every budget. There are also many payment options, including private health insurance.
Types of Rehab and Their Costs (Without Insurance)
Here are some numbers to give you an idea about addiction treatment costs:
|Type of Rehab||Average Cost Range|
|Medically Supervised Detox||$250 to $1,500 per day|
|Outpatient Program||$1,400 to $10,000 for a three-month program|
|Intensive Outpatient Program||$3,000 to $10,000 for a 30-day program|
|Partial Hospitalization Program||$350 and $450 per day|
|Inpatient Rehab||$5,000 to $20,000 for a 30-day program ($12,000 to $60,000 for 60- and 90-day programs)|
|Medication||Several thousand dollars per year (For example, $6,552 for methadone, $5,980 for buprenorphine, and $14,112 for naltrexone.)2|
Factors that Affect Rehab Costs
The cost of drug and alcohol addiction treatment depends on many factors, including:
- Type of treatment: Inpatient residential treatment is expensive due to intensive care, meals, lodging, therapies, and wellness activities.
- Size of the program: A smaller, more intimate addiction treatment program costs more.
- Length of the program: For comparison, a 30-day inpatient rehab costs $5,000 to $20,000. Longer programs range from $12,000 to $60,000.
- Treatments offered: Inclusion of detox and additional therapies affect the cost of rehab. For example, cocaine users usually don’t experience withdrawal. Their treatment doesn’t require detox, which lowers the cost.
- Amenities offered: A 30-day luxury rehab program can cost $25,000 to $100,000 due to more upscale amenities like swimming pools, tennis courts, and private rooms.
- Location: A rehab center in a place with a higher cost of living can be more expensive.
How Much Does Insurance Cover?
Private health insurance is one of the most common payment methods for substance abuse treatment. Unfortunately, it may not cover all costs.
The coverage will depend on various factors like:
- The insurance policy: Your plan may not cover all rehab center services. Some people choose outpatient rehab because it’s cheaper. Others pay some amount out-of-pocket.
- The insurer: Health insurance companies have different guidelines and stipulations. Some companies cover up to 30 days of inpatient rehab, which may not be enough. Yoga, massage, and other holistic care may be beneficial. However, the insurer may not recognize them.
Contact your health insurance provider to verify your coverage. You should also contact the rehab center to find out their cost and if they’re part of your insurer’s network.
Are There Other Ways to Pay for Rehab?
There are other ways to pay for substance abuse treatment if you don’t have private health insurance. Many treatment centers offer financing aid and financing options. Some receive state funding and local grants, with admission requirements varying by state.
Out-of-pocket payment is another option. It’s challenging but feasible for cheaper outpatient treatments.
Some people also raise money through:
- Personal loans from family or friends
- Healthcare loans (like My Treatment Lender, Lightstream, and Prosper)3, 4
- Fundraising (GoFundMe, YouCaring, Crowdrise, and Indiegogo)
- Spending a portion of their savings or 401(k)plan
- Selling non-essential items (like jewelry and art collections)
How to Find Low or No-Cost Rehab
Low-cost and no-cost rehab options include:
- Medicaid and Medicare: These are government-funded health insurance plans. They can help pay for substance abuse treatment if you’re eligible.5, 6
- State and local government programs: Some states have addiction treatment programs for uninsured people.
- Non-profit organizations: They offer programs for people with limited resources or housing to people committed to getting sober. Salvation Army is one example, providing rehab assistance in exchange for eight-hour work therapy per day.7
- Support groups: 12-Step programs (like Alcoholics Anonymous and Narcotics Anonymous) have helped many people achieve or maintain sobriety through regular meetings.
- Scholarships: 10,000 Beds and Sobriety Foundation have such programs.8, 9
Check out these options by visiting the health or substance abuse agency near you.
You can also check the directories of Substance Abuse and Mental Health Services Administration (SAMHSA) and the National Institute on Alcohol Abuse and Alcoholism (NIAAA).10, 11
Is Rehab Worth It?
Some people may be concerned about the cost of rehab. However, it’s not as expensive as addiction and its adverse effects.
The cost of unemployment, health problems, and financial woes add up over time which can be more catastrophic. Not to mention addiction also affect relationships and quality of life.
Addiction treatment can help people get their life back on track. Moreover, recovered users can save and prudently spend money as they spend nothing on drugs or alcohol.
Call to find out how much your insurance will cover
- Substance Abuse and Mental Health Services Administration (US); Office of the Surgeon General (US). “Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health.” U.S. Department of Health and Human Services. November 2016.
- “How much does opioid treatment cost?” National Institute on Drug Abuse (NIDA). December 2021.
- “MyTreatmentLender.com Provides Loans for Drug, Alcohol and Eating Disorder Treatment Centers.” WebWire. August 26, 2013.
- Tretina, Kat. “5 best medical loans of 2022.” Credit Karma. January 4, 2022.
- “Who is eligible for Medicaid?” HHS.gov.
- “Essential Health Benefits.” HealthCare.gov.
- “Rehabilitation.” The Salvation Army USA.
- “1000 Beds | One bed. One life.” Ten Thousand Beds.
- “Applicants & Recovery.” Sobriety Foundation.
- “Find Treatment.” Substance Abuse and Mental Health Services Administration (SAMHSA).
- “Step 1 - Search Trusted Sources to Find Providers.” National Institute on Alcohol Abuse and Alcoholism (NIAAA).