An addiction treatment program is a true turning point for people facing substance use disorders. In treatment, a person can learn skills to overcome substance use issues and begin the path to long-term recovery.
Unfortunately, the cost of a recovery program can sometimes deter people from seeking treatment. Keep reading to learn more about how to address the cost of addiction treatment.
FAQs About The Cost Of Drug Rehab
From insurance deductibles to out-of-pocket expenses, the costs of a rehab program can add up quickly. Learn how to address some of these costs below.
How Much Does Rehab Cost?
The cost of rehab varies greatly depending on what level of care you need and how long the program is. Outpatient treatment can cost around $5,000 whereas inpatient or residential treatment can cost as little as $5,000 or as much as $80,000
Learn more about the specific costs of rehab programs.
How Do I Pay For Addiction Treatment Without Insurance?
You still have options if you don’t have insurance. Some treatment centers will offer payment assistance such as a sliding fee scale.
Other treatment centers will help you apply for Medicaid in order to receive state-funded insurance benefits. Some even offer free treatment through government funding or donations.
Learn more about paying for rehab without insurance.
What Out-Of-Pocket Costs Are There For Drug Rehab?
Even if you have insurance, you may still have out-of-pocket expenses. Insurance may not cover everything, so you would be responsible for what coverage does not address.
You would also be responsible for your deductible.
Learn more about out-of-pocket expenses for a rehab program.
How Do Substance Abuse Treatment Center Loans Work?
Addiction treatment loans typically come from lenders who offer loans at competitive rates or from rehab centers that will finance your treatment for you, allowing you to make regular payments.
Learn more about substance abuse treatment loans.
Does Medicaid Cover The Cost Of Suboxone Treatment?
Yes, most Medicaid programs will pay for Suboxone treatment for opioid use disorder. A couple of states will not, but there may be other medications that they will pay for.
Learn more about Medicaid coverage for Suboxone treatment.
Does Health Insurance Cover Drug And Alcohol Rehab?
Yes, health insurance companies are required to cover drug and alcohol addiction treatment.
The Affordable Care Act makes mental health and substance abuse treatment programs essential health benefits.
Keep reading about insurance coverage for addiction treatment.
What Types Of Addiction Treatment Are Covered By Insurance?
Most evidence-based treatments are covered by insurance. These include behavioral therapy and medication-assisted treatment.
Outpatient and inpatient levels of care are also covered.
Learn more about the types of addiction treatment that are covered by insurance.
How Can I Verify If My Insurance Plan Covers Rehab?
To verify insurance coverage, you can reach out to your insurance provider to inquire about coverage for the substance use treatment program you’re interested in attending.
You may also be able to verify your insurance company’s benefits on the website of the treatment center you are considering.
Learn more ways to verify your insurance coverage for addiction treatment.
Are There Government-Funded Rehab Programs?
Yes, there are. Most states have rehab programs that are partially or entirely funded through the state or county governments.
These rehab programs offer many of the same services as privately funded programs.
Learn more about state-funded rehab centers.
Do Rehab Facilities Offer Financial Assistance Based On Income?
Some rehab centers offer clients a sliding fee scale. A sliding scale is a way of determining payment based on your income.
Learn more about sliding fee scales for addiction treatment.
Can You Use Your HSA Or FSA To Pay For Addiction Treatment?
Health Savings Accounts (HSA) and Flexible Spending Accounts (HSA) are ways that you can set aside money for health-related expenses.
Some employers contribute to employee HSA accounts. Since they are for health expenses, you can use money from these accounts to pay for a rehab program.
Learn more about using FSA and HSA plans to pay for a rehab program.
Is There A Limit To The Number Of Times Insurance Will Cover Rehab?
That depends on your plan and the insurance company it is through.
Some insurance companies place limits per year, but that is not always the case. Check with your insurance provider to see if they place limits on the number of times they will pay for drug and alcohol rehab programs.
Learn more about the number of times an insurance company will cover rehab.
Is Addiction Treatment Tax Deductible?
Yes. According to the IRS, health expenses are tax deductible (which is why HSAs keep money for health expenses in a separate account).
Since a drug rehab program is considered a medical expense, addiction treatment is tax deductible.
Learn more about addiction treatment and tax deductions.
Do I Have To Pay For Rehab Upfront? Can I Be Billed Later?
That depends on the rehab center. If a facility allows you to finance your treatment, you will begin monthly payments according to its schedule.
If they don’t require the amount upfront, most rehab centers require an admission cost or deposit of $3,000 to $4,000 dollars.
Learn more about billing for addiction treatment.
What Happens If My Insurance Coverage Is Denied During Rehab?
If you have been denied any coverage for evidence-based addiction treatment, you can reach out to your state health department, the office of the attorney general, or the insurance commissioner.
They may be able to help you with the issue and guide you through the appeals process.
Learn more about what to do if your insurance company denies you coverage.
What Is The Cost Of Inpatient Vs. Outpatient Rehab Programs?
In general, inpatient treatment programs are more expensive than outpatient treatment programs. This is largely due to the costs of living expenses that are incurred when you stay at a facility, whereas during outpatient treatment, you are not living at the facility.
Learn more about the cost of inpatient care versus outpatient care.
How Can I Maximize My Insurance Coverage For Rehab?
You can maximize your insurance benefits by completing some very practical steps. Be in contact with the treatment center’s admissions department and the insurance company.
You may also consider less expensive treatment options like outpatient care.
Learn more about maximizing your insurance benefits for addiction treatment.
Are There Hidden Costs Or Fees For Rehab?
The treatment center should be upfront about all fees associated with treatment. It is possible, however, that you may be responsible for additional fees for services not included in your treatment plan.
In general, if the rehab you are considering is accredited and certified, there should be no hidden costs.
Learn more about the hidden costs of addiction treatment.
What If I Need Extended Treatment Beyond What My Insurance Covers?
If you need treatment beyond what your insurance company will cover, you should address those concerns with your treatment center.
You may qualify for financial assistance such as a payment plan or a sliding fee scale. You may also be able to take out a loan to pay for the remainder of your treatment.
Can I Negotiate The Cost Of Addiction Treatment?
In a sense, you can. For example, you can opt for an outpatient treatment program as opposed to an inpatient program. Or you can ask for medication-free treatment.
Unless you qualify for payment assistance, treatment prices are not negotiable.
Learn more about negotiating the cost of addiction treatment.
Find Substance Abuse Treatment Today
If you or a loved one are facing substance abuse, you can find treatment today. Call us to learn more about your recovery options.
Published on September 25, 2023