How Much Does Rehab Cost?

Rehab can be expensive to go through, or it could cost you absolutely nothing. Addiction is a problem that affects millions of people across the country. Rehab centers have a dedicated purpose to helping these people recover from addiction. However, these programs are not cheap. Some high-end addiction centers can command five-figure price tags for a week’s stay. The average individual doesn’t have to spend that much to get quality care for their addiction recovery. Even so, addiction recovery can be expensive in some things. So how much does rehab cost, and how does a person pay for such a plan?

A Wide Range of Treatment Options

Many rehab centers understand that addiction is a personal problem that requires unique treatment. One solution might work well for one patient but might not be so great with another patient. Asking how much rehab will cost will give you wildly varying answers depending on the facility’s core patient base, the type of treatment that the recovering person will be undergoing, and several other factors. It can be unsatisfying not to know for sure how much rehab will cost. However, there are some pretty good estimates to cost out there. In some cases, insurance coverage may even cover the entire cost of treatment, depending on the provider and the plan.

The Types of Addiction Treatment And Costs

Addiction treatment comes in many different forms, each with its own needs. These forms include:

  • Detox: Detox or detoxification is a method of controlled withdrawal that is usually supervised by medical staff. Inpatient treatment centers include the cost of detox in their estimates, but for outpatient treatments, they have to pay for detox separately. The cost of outpatient detox ranges from $1000 to $1500 in most cases. Some substances have more severe side effects and may require further monitoring.
  • Inpatient Rehab: An inpatient facility may cost as much as $6,000 for a month’s stay, but this cost also includes the cost of inpatient detox. Inpatient facilities with better reputations can command as much as $12,000 per month. High-end facilities range between $15,000 to $60,000 per month, but these facilities cater to those with that kind of money to spend on treatment. They also offer more amenities to justify the cost.
  • Outpatient Rehab: For mild to moderate addiction, outpatient rehab might be a viable option. Some of these outpatient rehab centers may cost up to $5,000 to $10,000 per program (which usually spans up to three months). The amount the patient will pay depends on how often they’ll be visiting the facility per week.
  • Medications: Some facilities offer medically-assisted treatment for addiction. The cost of these treatments varies, depending on how often the patient uses them and the original price of the medicine. For example, a methadone clinic could cost a person $4,700 per year.

These treatment options are helpful for many people to overcome their addiction but paying for them may be a bit much for the average patient. Luckily, many of these rehab facilities can offer their clients options for payment.

How Much Does Rehab Cost

What are Ways of Paying for Rehab?

Paying for a rehab facility is one of the sticking points for many people who want treatment. Some individuals can leverage their savings or their family and friends to put money up for their treatment. However, this isn’t always the case. Other individuals might have a benefactor, or a non-profit organization pay for their treatment, but these situations are increasingly rare. The most common method that patients use for paying for their stay is insurance.

However, even in these cases, insurance may not cover the total cost of the treatment. There are still many people without insurance, and since a person who’s addicted to a substance might not have regular employment, they may have no way to pay insurance premiums.

Alternatives to Insurance Coverage to Get Addiction Treatment

Luckily, there are still solutions that can make a difference in these cases. Some facilities offer their patients payment plans to pay into once they leave rehab. These payment plans are a risk that the facility takes, but one it can manage. Once a person is sufficiently recovered, they can start working and paying back the payment plan they initially took out.

If a person isn’t comfortable being in such a financial position, there are always state-run options for treatment. These facilities can help people overcome their addiction, but their facilities tend to be very minimal. Low-cost and no-cost options like these may be a last resort, but they offer treatment that works.

Insurance Coverage for Alcohol And Drug Rehab

Does insurance cover the cost of rehab treatment? The most straightforward answer is “yes,” although this answer does require some explanation. Addiction is a medical disease where the brain makes decisions that lead to risky behavior and could eventually cause harm to the individual. Insurance can cover the cost of the treatment since it’s a disease. The coverage a patient gets for their treatment will vary based on the plan itself.

In many cases, insurance may cover most costs, leaving a few changes to be picked up by the individual. Insurance companies may also only cover up to thirty-day stays at inpatient facilities. Consulting the facility in question will help you understand what your insurance covers and doesn’t cover from them.

Insurance coverage will also determine the type of care a patient gets. Insurance companies recognize certain types of treatment, but holistic services like yoga may not be covered under the insurance policy.

Medical insurance that may cover addiction care include:

  • Military Insurance
  • Private Insurance
  • State-financed Health Insurance
  • Medicaid/Medicare

Insurance coverage may want to cover as little of the cost of the stay as possible. Sometimes, it may be necessary to approach the facility directly and have them work out insurance coverage details. Some care providers have facilities that are partners on their primary care network.

For those facilities, it may be easier to get full coverage from insurance for the cost of your stay. Talk to the facility directly to learn more about what they can do to help you get insurance coverage for their addiction treatment.

What is the Cost of Treatment vs the Cost of Addiction?

If both addiction and treatment cost so much, why should a person seek treatment anyway? Aside from the obvious medical benefits from leaving drug addiction behind, the economic cost of addiction far outstrips that of rehab. Even if a person is a casual user of a substance, they stand on the precipice of becoming a heavy user.

Addiction usually drives a person to live well beyond their means. Substance addiction can bankrupt a person before long. Alcohol, for example, may cause a person to spend tens of thousands of dollars over the course of a year. Drug addiction may be more challenging to pin down since the cost of drugs will vary, but it’s usually much higher.

How Much Does Rehab Cost

The Collateral Costs of Alcohol and Substance Use Disorders

Addiction impacts a person’s ability to function in society, and that includes being able to hold down a job. If a person uses drugs and becomes the subject of a random drug test, they risk being fired in some states and face criminal charges for drug use. Using drugs within the workplace can lead to termination, which translates into months or even years of lost income. Using drugs regularly can also lead to poor perception and increased degenerative illnesses.

Both of these carry their own costs of treatment which could run into the tens or even hundreds of thousands. Compared to inpatient or outpatient rehab costs, these figures are minuscule. The cost of remaining addicted to a substance is clearly and significantly more than choosing treatment.

What Features Impact How Much Does Rehab Cost?

Rehabs differ in the cost of treatment, but two rehabs offering the same program might have wildly different prices. Why does this happen?

  • Type of Facility: As mentioned before, inpatient facilities cost more than outpatient facilities. This is because, in an inpatient facility, housing and feeding the patient and taking care of their essential needs also forms part of the program’s cost.
  • Location: Some facilities offer picturesque backdrops as part of their selling point. Those facilities close to the mountains or the beach tend to cost more because of their location in a desirable spot.
  • Size of the Program: Smaller, more intimate settings cost more than more extensive programs. The cost of these programs depends on how many people the facilitator may need to deal with per session.
  • Included Treatments: Some inpatient treatments come with detox as an included cost. The types of treatments included in the program will alter the final price to the patient.
  • Length of Stay: Some programs are only up to one month long, whereas others require an entire three-month stay for patients to recover. The cost will vary by the required stay time.
  • Amenities: Some of the more expensive facilities offer amenities like an on-premises pool or tennis courts. These facilities are naturally more costly to attend than those without these frills.

Different types of recovering people will opt for different facilities depending on what they want out of their treatment. It doesn’t matter if the facility offers a gym or a pool since it’s not a vacation. However, a person should try to choose a facility they will be comfortable staying in throughout the program.

How Much Does Rehab Cost Without Insurance?

Without insurance, rehab can be a costly exercise. As explained before, the cost of a one-month stay for some facilities may range from $5,000 to $60,000. Without insurance covering the cost of this treatment, even $5,000 may be too much for some patients to get together to enter treatment. Many facilities know this, and their treatment options can account for this lack of funding. Treatment plans can help such people by giving them viable options for recovering. In many cases, these plans have the benefit of ensuring that the facility will try its best to help the person recover. They can only get paid if they return to regular life and pick up a job.

FMLA Coverage and other EAP Programs for Rehab Coverage

If you’re already employed and don’t have the money for rehab, you might be able to speak to your employer about it. Many employers see the need for saving their skilled workers by paying for their recovery through Employee Assistance Programs or EAP. Some companies might even cover the total cost of treatment, although they may not pay the employee a stipend while they’re going through this process. Speaking to an HR representative at the company might help approach the subject with someone who can make a difference.

How Much Does Rehab Cost

Using The Marketplace to Find Insurance for Rehab

As set up by the Affordable Care Act (ACA), the insurance marketplace allows patients to shop around for insurance coverage. A person can spot which insurance coverage works best for them through comparative analysis. Different insurance plans cover different amounts of rehab. Ideally, it would help if you chose a provider that has a strong presence and can help you recover over the long term. Even so, choosing a private insurance provider also means paying premiums on time and meeting obligations. Some insurance plans have a low monthly premium but require a hefty on-premises payment (the deductible) before getting treatment. Others have high monthly payments but lower deductibles. Consider what you can afford, and which plans offer the best value for money when recovering from addiction.

Recovery Is Possible Regardless of Finances

Finances are one of the most common hurdles individuals who want to recover face. Some of these individuals might be barely holding onto their jobs as it stands. In other cases, they may already have lost a job and cannot hold down another one. No income usually means that they can’t afford insurance payments or cover rehab costs.

However, lack of resources should never be an excuse to stay away from drug rehab. Recovery is possible if a person is dedicated enough. Most facilities are very understanding about payments. They are more concerned with helping the individual overcome their addiction than losing income from the process. Because of this approach, a few facilities can help a recovering person now and figure out the payment situation later.

Money can cause many problems, but it’s also a critical part of solving a person’s life struggles. At Pathfinders Recovery, we understand how important being able to pay for treatment is, but we don’t make it the essential part of your visit. The most important part of your visit is you. Our staff understands addiction better than most others, and they put their skills to work helping each of our patients that walk through our doors. If you’re hesitant about your treatment’s cost, talk to us directly, and let’s work something out.

Reaching Out to Pathfinders to Find Your Way to Treatment

Reaching out to Pathfinders Recovery Center allows a person to experience first-class care from trained professionals. With courteous staff and processes that have reliably proven their effectiveness in treating addiction, we offer one of the best places for a person to recover.

We accept major insurance coverage and can liaise directly with your provider so that you can get started on treatment right away. If you want to know if Pathfinders Recovery is suitable for you or if we accept your insurance provider’s payment, contact us directly. We’ll be looking forward to hearing from you!