The cost of drug rehab can certainly seem daunting. Although some treatment options are free, others can cost as much as $1,000 per day or even more. Factors such as the type of addiction being treated, the amount of medical support required, and the nature of the treatment environment all play roles in determining what patients or their families must spend. The good news is that there are multiple ways to pay for rehab and multiple ways to raise funds for any expenses that you’re unable to cover. You can work with admissions counselors and other professionals to get needs-specific information on drug rehab costs and to find out more about using health insurance for rehab. You can even access various scholarship opportunities, search for addiction treatment at specific price points, and request info about establishing payment plans. Drug rehab is always well-worth the necessary spending. Formal addiction treatment sets the stage for lifelong sobriety. It helps people who are struggling with addiction reclaim their health, their freedom, and their ability to enjoy happy, sustainable, and fulfilling lives. If you or someone you care about is ready to enter rehab, determining how you’ll pay for it is an important step.
Costs of Drug Rehab
The costs of drug rehab are rarely paid for entirely out-of-pocket. Using health insurance for rehab is a common choice. According to the Affordable Care Act, private pay health insurance companies can’t penalize policyholders or applicants for having drug addiction as a pre-existing condition. Also known as substance use disorder, addiction is currently recognized as a chronic mental health issue. With this relatively new designation, insurers are required to cover some or all of a person’s necessary treatment costs. Moreover, having substance use disorder should not prevent you from obtaining or using coverage for addiction treatment even though you already have a known condition. Although rehab is often expensive, the costs of these services are not meant to be prohibitive. Addiction treatment professionals recognize that cost can be a huge barrier to recovery. Thus, there are multiple program types at various price points. There are also many ways to pay for these services including:
- Debit or credit card
- Making a payment plan
- Using health insurance to partially or fully cover treatment costs
- Third-party scholarships
Taking the time to research each of your available payment options will help you arrive at a feasible plan for accessing all of the services and therapies that are right for you.
Drug Rehab Treatment Options and Costs
When choosing a drug rehab, you’ll have the option of entering an:
- Outpatient program
- Intensive outpatient program (IOP)
- Inpatient program
- Partial hospitalization program (PHP)
Inpatient programs are usually the most expensive of all drug rehab types. However, they are also covered by many commercial health insurance plans. With these programs, patients live on campus full-time and have access to around-the-clock support. If you’re seeking drug treatment on a relatively modest budget, outpatient programs are a far more affordable choice. The costs of going to inpatient treatment can range between $6,000 and $25,000 for a 30-day stay. In comparison, a 30-day outpatient drug rehab program can cost between $5,000 and $10,000. People who require professional detox support or medically assisted detox usually have these services included in their inpatient stay. Factors such as program intensity, the amount of medication assistance required, and the duration of rehab all impact total treatment costs.
How You Can Pay for Rehab
If you’re currently insured, you may find that a large portion of your drug rehab costs are covered by your health insurance plan. Given that private pay insurance companies cannot penalize you for having substance use disorder, you also have the option of shopping for a health insurance plan and then using this same coverage to pay for most or all of your treatment. Thus, if don’t have health insurance already, you still have options. When using health insurance for rehab, you should contact your insurance company directly or speak with admissions counselors to find out which rehab services your plan will cover. Doing so will give you the benefit of a detailed breakdown of covered services, and an itemized description of your out-of-pocket costs. Among some of the different types of health insurance that you can use to pay for addiction treatment are:
- Military insurance
- Private pay health insurance
- State-funded health insurance
Charitable organizations regularly work with drug rehab centers and social service agencies to provide substantial scholarships for recovering addicts who need them. These needs-based funding opportunities generate high demand and are often supplied on a first-come, first-served basis. You and your family can also do a bit of fundraising on your own by using online crowdsourcing platforms to enlist the help of friends, extended family, and your local community.
Why Some Treatment Centers Are More Expensive
The costs of treatment are higher at some drug rehab centers due to their advanced services and locations. With more money for treatment, you can spend the initial stages of your recovery in a luxurious environment that boasts high-end amenities and a wealth of engaging recreational activities. Luxury rehabs prioritize the comfort of patients and often have services and features that less costly treatment centers do not. Some treatment centers charge more than others do to offer a greater range of services and increased treatment modalities. There are also additional costs that many rehab centers charge such as admission fees. For instance, some treatment centers charge as much as $3,000 in admission fees in addition to general program costs. Additional rehab charges can also include:
- Prescription fees
- Daily charges for detox services
- Extended-stay charges for those needing longer time in rehab
- Charges for aftercare
As you collect information on rehab and consider your options in treatment, be sure to ask about programs that offer financial aid such as in-house or third-party scholarship opportunities. Many rehab centers are willing to accept reasonable payment plans, and most will allow you to cover the full costs of treatment using multiple payment types. If you need help finding affordable options in rehab or accessing financial assistance, call us at 833-991-2955 today. Our counselors are always standing by.