What Does Treatment Cost?

Costs of Addiction Treatment & Mental Health Services

The price of addiction treatment varies by center, with some being entirely free while others cost thousands per day. Nevertheless, there is always an option available depending on your budget. Healing from addiction is possible for anyone if they are aware of the resources at their disposal.

There are certain basic components that all participants in alcohol and drug addiction treatment programs can expect. Inpatient participants living at the facility during their treatment can expect to go through an intake, assessment, and evaluation process; have access to qualified counselors; and have 24/7 supervision from professionals. Outpatient participants who only come to the facility for scheduled treatments but live outside of it can still expect access to group therapy, individual therapy, family counseling, or a combination of these options while they are at the facility.

What Does Rehab Cost?

There are many addiction rehabs to choose from, whether you want a more standard program or luxury treatment. Whatever you decide, you can find an option that meets your budget and personal needs.

No-cost Substance Abuse Treatment

Some neighborhood health clinics and rehab facilities offer free or discounted treatment to people who cannot afford insurance or addiction treatment. These subsidies provide financial assistance for those who would otherwise be unable to attend rehab.

Some addiction treatment centers are free, while others offer government-subsidized services depending on your income. If you qualify for Medicaid or Medicare, the detox and withdrawal treatments may be provided at no cost to you. The facility staff can help you apply for insurance coverage if needed.

Luxury Treatment Centers

Luxury inpatient rehab centers give their clients advanced, private treatment in an upscale setting. This kind of rehab costs around $25,000+. Usually, the people who want these services can afford to pay for this level of quality themselves, but sometimes insurance will cover part of it.

Understanding Rehab Costs

The care provided by a rehab center will not only vary in cost but also the addiction being treated. There are many factors involved that determine the cost of rehab, which can include anything from medical care to creature comforts.

Detox at a Treatment Facility

Detox is the process of removing drugs from the body and safely overcoming withdrawal. The average cost of a 30-day detox program can range from $250 to $800 per day.

Residential Treatment Programs

The average cost of basic residential treatment, which typically includes assessments and around-the-clock supervision, is about $10,000. But it can range between $2000 and $20000. Long-term residential care for periods between 60 and 90 days long may amount to double that. Some luxury rehab facilities can charge more than $25,000 for 30 days of treatment. Luckily, most private treatment centers will charge much less than that.

Outpatient Substance Abuse Treatment

Outpatient care provides the opportunity for patients to live at home while receiving treatment. By having a series of appointments, individuals have the chance to learn how to be drug-free without residing in a facility. The average cost for outpatient care is $5,000 for a three-month program; however, some facilities may charge up to $10,000.

Intensive Outpatient Rehabilitation

Intensive outpatient treatment provides more comprehensive care than standard outpatient care, with multiple appointments each week lasting about three hours per day. This level of care can range between costs of $3,000 and $10,000 for 30 days of treatment.

Partially Hospitalized Addiction Treatment

On the other hand, partial hospitalization programs (PHP) are for patients who need intense treatment during the day but have a safe place to go home each night. PHP usually costs $350-$450 per day.

Should I Choose Outpatient or Inpatient Services?

Inpatient Treatment Is More Expensive, But More Comprehensive

If you opt for an inpatient or residential program, you will reside at the recovery center, where around-the-clock care is provided. There, professionals can help you rebuild your life skills and knowledge so that you’re better equipped to live soberly. Inpatient rehab provides a safe space away from triggers and people who might tempt relapse. This way, patients can focus solely on their sobriety journey.

Outpatient Treatment Costs Less and Is Best for Those Who Have External Responsibilities

Usually, outpatient programs are much cheaper and enable you to keep your job or responsibilities at home. Even so, travel can be tough if the rehab center is far from where you live, particularly if you’re taking medication that impairs your ability to drive. Also, it can be challenging if your home life is a temptation and you lack support at home to help you concentrate on getting well.

Cost of Rehab vs. Cost of Addiction

Although it may seem expensive, rehabilitation is cheaper in the long run than addiction to drugs and alcohol. Individuals who abuse substances are more likely to skip work and change jobs frequently, which takes a toll on income. In addition, habitual drug use costs money, leads to legal problems and health issues, and harms productivity at work. All of which have a cumulative financial impact over time.

Someone addicted to alcohol who drinks a 12-pack daily will spend over $3,000 in just one year. This cost is without taking into account any health or legal issues that may crop up and amount to thousands of more dollars. The price tag of illicit drug addiction is harder to estimate but could be much higher. Moreover, the monetary value of one overdose alone could be equal to or greater than the expense of checking into rehab.

If you have a substance abuse problem, it will damage not only your personal life but also your professional aspirations. Addiction can lead to low productivity and work ethic on the job, which in turn increases the likelihood of being passed up for promotions or stuck in an entry-level or low-income job.

Covering the cost of rehabilitation

Financing Options

For most people, paying out of pocket is not a feasible option. If someone is enrolling in a residential treatment program, they will likely miss at least 30 days of work. This can make it difficult to afford copayments and deductibles when bills start piling up.

The objective of drug and alcohol rehab is to help the person in recovery flourish after treatment, not leave them financially unstable. Most facilities provide affordable financing options that vary depending on the individual’s circumstances. Some places also offer monthly scholarships, which assist with paying some of the expenses associated with treatment.

Although the interest rates for loans and credit cards may be high, it is cheaper, in the long run, to pay for treatment now rather than ignoring the problem and suffering from worse consequences later.

State-Funded Rehabilitation

US state and federal governments offer money to drug and alcohol rehab centers so that people who couldn’t otherwise afford it could still get help. The type of care covered by state-funded rehab differs based on the addiction treatment standards of each individual state. Still, these usually encompass things like detoxification, inpatient/outpatient treatment options, and support services.

Paying Out of Pocket

Out-of-pocket payment for rehab is not as common, but some individuals prefer this method so they can attend luxurious facilities or keep their treatment hidden from employers. The majority of drug rehab centers have set rates if you choose to pay with cash.

Residential treatment that is intensive in nature tends to be more costly than outpatient treatment, which may require fewer out-of-pocket payments. The overall cost will depend on the facility you choose and the type of treatment being provided.

Private Insurance Coverage for Rehabilitation

Private health insurance plans are a great way to get coverage for your healthcare needs. Often offered through employers, these types of plans cover healthcare costs for more than half of all Americans.

Millions of Americans who don’t receive employer-based or private insurance rely on public health insurance programs, such as Medicaid and Medicare. However, it’s always important to keep in mind that insurance doesn’t cover everything. As with other medical costs, patients will have to pay some expenses out of pocket. Fortunately, there are multiple ways to finance rehabilitation services, which have become more affordable over the last ten years.

The cost of rehabilitation can be a barrier to getting help for addiction. Fortunately, the Affordable Care Act requires employers to offer competitive insurance plans to full-time employees and states to offer comprehensive health insurance plans. This can make treatment more affordable and accessible for those who need it.

What Is The Affordable Care Act (ACA)?

An ever-growing number of people are utilizing the Patient Protection and Affordable Care Act (ACA) to help cover the costs associated with drug and alcohol rehab. The ACA is a healthcare system law passed in 2010 that offers coverage for addiction treatment, so if you’re struggling with substance abuse, this could be a resource available to assist you financially. According to the ACA, addiction can no longer be used as a factor to deny insurance coverage.

The ACA offers health insurance plans with addiction treatment coverage on the Health Insurance Marketplace, similar to private insurance companies.

Beneficial Effects of The Affordable Care Act on Treatment

Many benefits that were exclusive to employer-provided insurance plans are now available to individual medical insurance plans thanks to the Afordable Care Act. The ACA also reduces addiction treatment costs and increases treatment options. Finally, young adults 26 and younger can stay on their parent’s health care plan if they wish.

These benefits not only include addiction treatment but expanded coverage for those with pre-existing health conditions as well. With ACA funding, many new inpatient and outpatient centers are opened every year that provide support and care specifically geared toward addiction and mental health disorders.

Who is Eligible for Affordable Care Act Coverage?

The federal poverty level (FPL) is used as a metric to determine eligibility. Americans with incomes less than four times the FPL are eligible for ACA tax credits. The FPL varies depending on family size.

Who Accepts Affordable Care Act Plans?

Many addiction treatment centers accept Health Insurance Marketplace plans. You can easily apply for an ACA-sponsored plan online during the open registration periods if you don’t already have one. If you miss the normal registration window, healthcare.gov has got you covered by providing a registration schedule or request form.

After you are approved for an ACA-sponsored plan, talk to a Health Insurance Marketplace representative to decide which health insurance package is best for you and your family. Whether you intend to enroll in an inpatient or outpatient program is just one of many aspects to think about when buying an ACA coverage plan.

Finding an Affordable Addiction Rehab

The road to addiction recovery is often long and arduous. Picking the right rehabilitation program can mean the difference between relapse and sobriety. Not every facility provides the same treatment options nor accepts all insurance plans. Fortunately, Psyclarity Health has made provisions for most insurance plans. Our facility representatives can help you determine which rehab program works for you and which insurance plan works best for your treatment needs.

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