How You Can Pay for Rehab With or Without Insurance

One of the biggest barriers to seeking addiction treatment is the financial cost. Rehab programs can be expensive, and the cost varies widely depending on the type of treatment, the length of stay, and the amenities provided.

For many, the financial burden can be overwhelming, especially if they lack health insurance or have limited financial resources.

This financial strain can discourage people from getting the help they need, making the cycle of addiction and its associated consequences worse. Let’s discuss the many ways to access treatment, with options for every situation.

How Can You Pay for Rehab?

There are two ways to pay for addiction rehab⁠—with and without insurance. Let’s explore both options in detail.

Pay for Rehab With Insurance

Here are some options when paying for rehab using your insurance:

• Private health insurance: Many private health insurance plans cover addiction treatment services. Coverage can vary, so verifying what is included in your specific plan is essential. Some plans may cover a significant portion of the costs, while others may require copayments or deductibles.
• Medicaid and Medicare: These government-funded programs provide addiction treatment coverage for eligible individuals. Medicaid is available to low-income individuals, while Medicare covers those over 65 or with certain disabilities.
• COBRA: The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows people to continue their employer-sponsored health insurance after leaving a job, which can include coverage for addiction treatment.

Pay for Rehab Without Insurance

Here are some ways to pay for rehab when you don’t have insurance:

• Sliding scale fees: Some rehab facilities offer sliding scale fees based on the individual’s ability to pay, making treatment more accessible to those with limited financial resources.
• Financing and loans: Many treatment centers provide financing options or payment plans that allow you to spread the cost of treatment over time. Personal loans or health care credit cards can also cover rehab expenses.
• Grants and scholarships: Organizations like the Substance Abuse and Mental Health Services Administration (SAMHSA) offer grants and scholarships to help cover the cost of treatment for those in need.
• State-funded programs: State-funded rehab programs provide low-cost or free treatment options for eligible individuals. These programs are often supported by government grants and are designed to make treatment accessible to those who cannot afford private rehab.
• Crowdfunding and fundraising: Online platforms allow you to raise funds for their treatment by sharing their stories and seeking support from friends, family, and the broader community.

What Are the Factors That Affect Rehab Costs?

Factors that affect rehab costs may include:

Location

The geographical location of the rehab facility significantly impacts costs. Facilities in urban areas or regions with a higher cost of living tend to be more expensive.

Duration

The length of the treatment program is a major cost factor. Longer programs, such as 60 or 90-day inpatient stays, are more expensive than shorter 30-day programs.

Type of Facility

The cost of addiction treatment can also vary depending on the type of facility you choose. 

Standard facilities provide basic care and amenities, making them the most affordable option.

On the other hand, luxury facilities offer high-end features like private rooms, gourmet meals, and additional therapies, which naturally come at a premium price.

Lastly, state-funded facilities offer a low-cost or even free treatment option, but they may have longer wait times and fewer amenities than other facilities.

Sponsored

Online Therapy Can Help

Over 3 million people use BetterHelp. Their services are:

• Professional and effective
• Affordable and convenient
• Personalized and discreet
• Easy to start

Find a Therapist

Answer a few questions to get started

Typical Cost of Rehab

Here are some samples of costs that are associated with different types of rehab programs. These are not exact amounts but they can give you an idea of the expenses you may have to prepare for rehab treatment.

Inpatient Rehab

Inpatient rehab programs, where patients reside at the facility, are generally the most expensive due to the comprehensive care provided. Costs can vary widely:

• Standard inpatient programs: Typically range from $5,000 to $20,000 for a 30-day program.
• Extended inpatient programs: For 60 to 90 days, costs can range from $12,000 to $60,000 or more.
• Luxury inpatient programs: These can cost between $30,000 and $100,000 per month, offering high-end amenities and personalized care.

Outpatient Rehab

Outpatient rehab allows patients to live at home while attending treatment sessions at the facility. This option is generally less expensive:

• Standard outpatient programs: Costs range from $1,400 to $10,000 for a three-month program.
• Intensive outpatient programs (IOP): These can cost between $500 to $650 per day, or approximately $15,000 to $19,500 per month.
• Partial hospitalization programs (PHP): These programs cost about $350 to $450 per day, totaling $10,500 to $13,500 for a 30-day period.

Detox Programs

Detoxification is often the first step in treatment, involving medical supervision to manage withdrawal symptoms:

• Inpatient detox: Costs can range from $1,000 to $5,600 depending on the level of care and medications required.
• Outpatient detox: Typically costs between $250 and $1,500 per day.

Aftercare and Support Groups

Aftercare services, such as support groups and individual counseling, are crucial for maintaining sobriety post-rehab:

• Support groups: Many, like Alcoholics Anonymous (AA) and Narcotics Anonymous (NA), are free.
• Individual counseling: Costs vary, generally between $75 and $200 per session.

Sponsored

Get Professional Help

BetterHelp can connect you to an addiction and mental health counselor.

Find a Therapist

Answer a few questions to get started

Why Should You Understand Rehab Costs?

Financial planning is essential. Knowing the potential cost range allows you and your family to budget effectively for treatment. This helps avoid unexpected financial strain and ensures you can afford the necessary care.

Different plans offer varying levels of coverage, and knowing what’s included can significantly reduce out-of-pocket expenses. Knowing about financial assistance options can help you overcome financial barriers and access the treatment you deserve.

By understanding the costs, you can choose the rehab program that best fits your needs and financial situation. This could be inpatient, outpatient, or even a combination of both.

Sponsored

Get matched with an affordable mental health counselor

Find a Therapist

Answer a few questions to get started