How to Pay for Rehab

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There are various methods you can use to go to rehab for alcohol or drug addiction. Individuals can pay for rehab through public health insurance, private health insurance, or payment plans that they agree to with their treatment provider.

While financing options, pubic insurance, or personal funds are all viable options to pay for treatment, treatment is very expensive, so state-funded treatment facilities are often very desired by patients seeking treatment. Unfortunately, stated-funded rehab may be very difficult to access, with wait time for an opening possibly ranging from weeks to months. That is why private insurance is often the most preferred method of paying for addiction treatment.

This page will provide answers about how much rehab costs, different ways to pay for rehab, the insurance providers that cover rehab treatment, and how to obtain coverage.


How Much Does Rehab Cost?  

One of the major questions people have when it comes to addiction is: How much does it cost to pay for drug or alcohol rehab? The price of alcohol or drug rehab treatment varies based on the type of care that is needed. Inpatient treatment provides a high level of care and is typically more expensive than outpatient treatment, but both can provide care that helps patients work toward recovery.

On average, the cost of inpatient treatment may include the following:1

  • Detox only (7 day minimum): $600-$1,000 per day.
  • 30-day: $400-$900 per day.
  • 60-day: $300-$800 per day.
  • 90-day: $200-$700 per day.

For outpatient treatment, on average the cost may include the following:1

  • Intensive outpatient (IOP): $100-$500 per session.
  • IOP with housing: $3,500-$5,000 per week (housing is not typically offered)
    (additional $400-$900 per month beyond the price of the program).

Again, prices vary depending on the type of treatment, the facility, amenities offered, the level of care, and the abused substance—as well as if there are cooccurring disorders.


How Do You Pay for Drug or Alcohol Rehab? 

There are various ways that people can pay for addiction treatment. Some of those options include free rehab facilities, state-funded centers, insurance, payment plans, or financing. Still, while there are many options, with limited access and the possibility of long wait times for free or low-cost treatment facilities, most people use insurance or private pay to pay for rehab.

Private Health Insurance

Is rehab covered by insurance? With a few exceptions, most insurance companies are required to cover some or all of the cost of addiction treatment.2  

In 2008, the Mental Health Parity and Addiction Equity Act was passed. This act requires insurance providers cover care for substance use disorders (SUDs) and mental illness at an equivalent level to physical health disorders.3

The Affordable Care Act (ACA) further extended the Mental Health Parity and Addiction Equity Act (MHPAEA) coverage by requiring health plan and insurers to offer prevention, screening, brief interventions, and additional treatment for SUDs.3 The parity laws apply to intensive and standard outpatient services, inpatient treatment, partial hospitalization programs, and residential services.2

While the MHPAEA and the ACA require most of the insurance providers to cover at least some level of drug or alcohol abuse treatment, each company and policy is different, so coverage may vary.

Some of the elements that may impact coverage include the type of policy (HMO, PPO, HRA, HDHP), if the patient is using an in-network provider, and if the insurance plan is a public insurance (Medicare or Medicaid).


How to Use Insurance to Pay for Rehab 

Is rehab covered by insurance? Yes, for most insurance policies rehab is covered at least partially. So, how do you get insurance to pay for drug or alcohol rehab?

The best way to find out what your insurance covers is to call or visit their website. Or, you can click here, or fill out the form below.

Blue Cross Blue Shield, Aetna, Kaiser Permanente, and Humana are four of the insurance companies that likely cover at least a portion of the cost of alcohol or drug rehab.


How Do I Pay for Rehab Without Insurance?

For people who do not have insurance, there are other options. Some rehab facilities may offer sliding-scale payment options, in which the cost of treatment is dependent on a person’s income and their ability to pay. This option typically applies to low-income patients, but there is the possibility of financial aid for rehab.

Medicare and Medicaid

How do you use Medicare or Medicaid to pay for rehab? Medicate and Medicaid may also be options to help with accessing addiction treatment.

Medicare is a federal health insurance program. To qualify, you must be one of the following:4

  • 65 or older.
  • Younger and disabled.

Medicaid is a program that is jointly funded by states and the federal government. It provides free or low-cost healthcare to many low-income people, regardless of age, based on income and family size.5 Coverage and eligibility vary depending on your state of residence. Patients typically pay nothing for medical expenses, although a small copayment may be necessary.5

Both Medicare and Medicaid may provide insurance support or assistance with substance abuse treatment and rehab.

Local Resources

It can be difficult to find alcohol or drug treatment for those who are uninsured, but there are options available. Be sure to check out your local rehab programs to find out if they offer any payment plan or can help you with financing in any way. The Substance Abuse and Mental Health Services Administration (SAMHSA) has a treatment locator that can help you find local treatment facilities that may offer alternative payment options.


To read more about various ways to pay for rehab, click the links below:

While rehab can seem overwhelming and expensive, there are many ways you can afford treatment. Don’t let the cost of rehab stop you from seeking treatment to start on your path toward recovery.


Check if your insurance covers addiction treatment

To see if your insurance coverage includes rehab treatment for drug or alcohol addiction, use our verify insurance form.

We also explain insurance coverage levels of some household health insurance brand names via the links below:

We also have a guide on how to pay for rehab with or without insurance.


Sources

  1. American Addiction Centers. (2017).
  2. National Alliance on Mental Illness. (2020). What is mental health parity?
  3. U.S. Department of Health and Human Services. (2016). Facing addiction in America: The Surgeon General’s report on alcohol, drugs, and health. Washington, DC: HHS.
  4. Medicare.gov. (n.d.). What’s Medicare?
  5. U.S. Department of Health & Human Services. (2017). Who is eligible for Medicaid?
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Kindra Sclar is a Senior Web Content Editor for American Addiction Centers and Rehabs.com. Before joining the company, she worked for more than 8 years as a print and web editor for several print and online publishers. Kindra has worked on content editing for first responders, including firefighters, public safety communications, and emergency medical services. She has a bachelor’s degree and a master’s degree in English.
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