What’s the Cost of Addiction Treatment?

So, what’s the cost of addiction treatment?

That’s a complicated question. Addiction treatment costs vary depending on several factors. These include where you’re going for treatment if you need detox, and what type of insurance coverage you have. Paying for rehab can be a major barrier to care.

But, there is a range of options available no matter your budget or financial situation. Don’t let the cost of rehab stop you from accessing life-saving treatment.

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The Different Types of Addiction Treatments and Costs

Addiction treatment is an umbrella term to describe a range of treatments for substance use disorders. When you think of treatment, you may think of inpatient rehab.

But there is actually a whole range of treatment options, including:

Detox

This is for people with moderate to severe addiction. They either have a physical dependency on a substance or have been using drugs that are dangerous to detox from alone. These can include alcohol, benzodiazepines, and opioids.

A medically supervised detox program can take three to 14 days. It can cost between $250 to $1,000 per day. Many treatment centers also offer detox, the cost of which is included in their program.

Inpatient Treatment Programs

These typically consist of a 30-, 60-, or 90-day stay. The length can be extended, depending on the severity of the addiction. Inpatient treatment costs range from $5,000 to up to $80,000 per stay. The cost depends on the duration of stay and the amenities available at the facility.

Outpatient Addiction Treatment

This is a program that you can attend several times a week while living at home. The cost of outpatient treatment range from $1,400 to $10,000 for a 90-day program.

Intensive Outpatient Programs

The cost of IOP programs can range from $3,000 to $10,000 for a 30-day program.

Intensive outpatient programs require a person to attend treatment for nine to 20 hours per week. The program can last anywhere from two months to a year.

Partial Hospitalization

This involves staying at a standalone clinic or hospital for four to eight hours per day. You return home at the end of the day. These programs last around three months and cost around $350 to $450 per day.

Residential Programs

These provide a sober living environment together with treatment services. Stays can be anywhere from a month to a year or longer. These programs cost from $5,000 to $80,000 depending on the length of stay, geographical location of the facility, and its amenities.

Medication-assisted Treatment Programs

These programs offer various medications for the treatment of opioid use disorder such as methadone, buprenorphine, and Suboxone. You can access these programs in a variety of ways, from online treatment providers to outpatient facilities and drop-in centers. You may also be able to find medication-assisted treatment as part of an inpatient or outpatient treatment program.

Generally speaking, medication-assisted treatment (MAT) programs cost around $500 per month, equating to around $5,000 per year on average. However, these programs are often covered by insurance and in state and federal programs.

What Factors Affect the Cost of Addiction Treatment?

The main factors which affect the cost of rehab are:

  • Type of program you’re attending
  • Length of your treatment
  • Location of your treatment facility
  • Amenities and resources at the treatment center

The financial options to pay for rehab include health insurance, finance/private pay, Medicare/Medicaid, and state-financed health insurance (Obamacare/the Affordable Healthcare Act)

Does My Insurance Cover the Cost of Addiction Treatment?

The main insurers that cover addiction treatment include:

  • Cigna usually covers inpatient and outpatient treatment programs.
  • Kaiser Permanente covers detox, outpatient treatment, inpatient treatment, and aftercare services, depending on your plan.
  • Blue Cross Blue Shield covers detox, inpatient treatment programs, and partial hospitalization.
  • United Healthcare covers treatments like detox, inpatient programs, and some other addiction treatment services.
  • Humana Health provides some level of inpatient or outpatient coverage depending on your plan.
  • Aetna has a more personal approach to treatment and will determine coverage on an individual basis. This insurer usually covers detox, inpatient treatment, partial hospitalization, and provides an aftercare support program.

Generally speaking, most insurers cover part of the cost of addiction treatment.

Can I Get Covered under Obamacare?

The Affordable Care Act allows people with preexisting conditions, like substance use disorder, get insurance. There are addiction and mental health benefits under the ACA.

These benefits cover 60 to 90 percent of addiction treatment, depending on the tier of plan you have. For example, Platinum plans cover addiction treatment at 90 percent, whereas Bronze plans cover at a 60 percent value.

Does Medicare and Medicaid Cover Addiction Treatment?

Yes, but it depends on several factors. Medicare only covers people over the age of 65 or those with disabilities. Medicaid, on the other hand, covers people:

  • Over the age of 65 or under 19 years old
  • Who is a parent or are pregnant
  • Low-income individuals and families

If you don’t meet the requirements for Medicare/Medicaid, there are private pay and financing options for rehab. This includes using credit cards, savings, or a payment plan/financing option arranged by the treatment facility.

Payment on a Sliding Scale

Some treatment facilities and nonprofits offer sliding scale payment options for those who are low income or face financial difficulties. Simply ask the treatment facility if they have a sliding scale or scholarship option. Or, research a non-profit treatment center in your area.

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Federal Military Insurance

TRICARE offers insurance coverage to military veterans and their families and covers mental health disorders like substance use disorders. Depending on the type of plan the veteran has, TRICARE may cover:

  • Inpatient treatment programs
  • Detox
  • Outpatient programs
  • Intervention programs
  • Residential treatment
  • Medication-assisted treatment
  • Family services
  • Partial hospitalization

Ready to talk to a treatment specialist? Contact us today at 800-839-1686Who Answers? to learn about flexible treatment programs for drug and alcohol addiction.

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Where do calls go?

Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline (non-facility specific 1-8XX numbers) could be forwarded to SAMHSA or a verified treatment provider. Calls are routed based on availability and geographic location.

The AlcoholicsAnonymous.com helpline is free, private, and confidential. There is no obligation to enter treatment. In some cases, AlcoholicsAnonymous.com could charge a small cost per call, to a licensed treatment center, a paid advertiser, this allows AlcoholicsAnonymous.com to offer free resources and information to those in need. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses.

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