Well-known centers often cost up to $30,000 for a 30-day program. For those requiring 60- or 90-day programs, the total average cost of rehab could range anywhere from $12,000 to $60,000. Outpatient programs for mild to moderate addictions are cheaper than inpatient rehab. Many cost $5,000 for a three-month program.
A breakdown of the costs associated with different levels of addiction treatment can be helpful. For example, if you are considering detox, the lower end of cost would be approximately $350 to $750 a day, while the upper end may reach $1,500 to $3,000. It is important to keep in mind the range of costs as you begin researching addiction treatment programs and facilities.
It can be overwhelming to think about paying for treatment at these rates. But when you consider the alternatives, it may be easier to see the benefits of finding the funds needed to afford rehab treatment.
Insurance is one of the most common ways to cover the costs of addiction treatment. The amount insurance covers depend on the insurer and what the health provider accepts.
Types of insurance that may cover addiction treatment include:
Medicaid is a public insurance program for low-income families. Under the 2010 Affordable Care Act (ACA), also known as “Obamacare,” insurance providers (including Medicaid) must cover all basic aspects of addiction treatment. While Medicaid covers addiction treatment, not all addiction treatment centers accept Medicaid as a form of payment. To find a rehab that accepts Medicaid, get in touch with the Substance Abuse and Mental Health Services Administration (SAMHSA).
Medicare is available to anyone over 65 years old and those with disabilities. Medicare is available for a monthly premium, which is based on the recipient’s income. People who earn less pay lower premiums.
Medicare can cover the costs of inpatient and outpatient drug rehab. It consists of four parts that cover different parts of addiction treatment.
Part A – Insurance for Hospital Stays. Medicare Part A can help pay for inpatient rehabilitation. Part A covers up to 60 days in rehab without a co-insurance payment. People using Part A do have to pay a deductible. Medicare only covers 190 days of inpatient care for a person’s lifetime.
Part B – Medical Insurance. Part B can cover outpatient care for addicted people. Medicare Part B covers up to 80 percent of these costs. Part B covers outpatient rehab, therapy, drugs administered via clinics and professional interventions. Part B also covers treatment for co-occurring disorders like depression.
Part C – Medicare-approved Private Insurance. People who want more benefits under Medicare can opt for Part C. Out-of-pocket costs and coverage is different and may be more expensive.
Part D – Prescription Insurance. Medicare Part D can help cover the costs of addiction medications. People in recovery often need medication to manage withdrawal symptoms and cravings. These medications increase the likelihood of staying sober.
State-financed health insurance
The Patient Protection and Affordable Care Act (ACA) is a health care system law passed in 2010 that covers addiction treatment. If you are addicted to drugs and alcohol, the ACA may be a way to help pay for it.
Under the ACA, coverage for addiction treatment must be as complete as it is for any other medical procedure. Some of the things you can get with these insurance plans include:
- Addiction evaluation
- Brief intervention
- Addiction treatment medication
- Clinic visits
- Alcohol and drug testing
- Home health visits
- Family counseling
- Anti-craving medication
ACA health insurance plans also assist with inpatient services like medical detox programs.
Some states run their own Health Insurance Marketplace platforms separate from Healthcare.gov. Differences between state and federal medical plans are based on Medicare and Medicaid coverage in each state.
Private insurance – The out of pocket cost will vary based on your specific insurance, the type of rehab and the length of your stay.
Some people can either afford to pay for rehab themselves or lack insurance coverage. If you are serious about treatment and its expense, talk to friends or family about fund-raising methods and finding support for your rehabilitation. Other avenues could include tapping into savings or seeking help through public programs or charities.
Some treatments can cost $5,000 to $10,000, whereas luxury rehab facilities can carry a price-tag of $100k or more, for a one-month stay. However, there are public programs that offer basic addiction treatment education and counseling for low-income individuals.
With this said, it is important to note that the degree of a person’s success is strongly correlated with the type of treatment he or she receives. The goal of getting treatment is to avoid the potential for relapse and getting the treatment that is right for you is essential.
Not everyone has insurance, but there are still ways to access addiction treatment. One way is to look for a free or low-income rehab center. The other is to look into rehabs that offer financing options. Financing is often a better choice because free rehabs often have limited funding and waiting lists.