As substance use disorder becomes more common throughout the country, and with millions of people afflicted by it, more and more individuals are trying to reach out for help. However, when the help they seek becomes too expensive, these people may choose not to ask for the treatment they need to overcome their addictions to drugs or alcohol.
Substance use disorder treatment is now listed as an essential health benefit that most health insurance plans must cover. There are exceptions, so it is important to look into the health insurance that you have.
Paying for rehab does not have to be expensive. Those who pay out of pocket—also known as “private pay”—tend to pay a lower amount than is charged to insurance companies.
If you or someone you know is suffering from substance use disorder and needs to know more about paying for rehab out of pocket or under private pay terms, there are some important considerations to make.
The Costs of Substance Use Disorder Rehab Facilities
The cost to stay in a substance use disorder rehab facility varies widely because there are many factors that can make the price increase or decrease. Look at these factors to help you decide which rehab facility seems better suited for you and your particular situation:
- The type of facility: sober living facility, psychiatric rehab facility, inpatient or outpatient facilities, government-run facilities, private facilities, high-end luxury rehabs
- What specialty therapies do they offer
- The length of time you are in the facility
- The type of addiction you have
- Whether you also need mental health services or just substance use disorder help
- Where the facility is located
It is very important to consider all of the variables before signing up with a facility. In general, the cost of rehab can be as low as $2,000 to as high as $25,000 or more. These costs also do not cover any ongoing payments you will need to cover for therapy after rehab, outpatient help, or medication that may be required.
Speak with the rehab provider further about their specific costs, as this will make a difference in whether you use them for treatment or not.
Will My Insurance Cover a Rehab Stay?
Substance use disorder is now covered under the broad spectrum of mental health disorders by most insurance plans, as required by law. The type of coverage that you receive depends on the specific insurance plan you have. To find out about your insurance company plan’s rehab or substance use disorder coverage, call and ask them.
Private insurance is the most common way to pay for rehab services, but not everyone has access to this type of insurance. If you are like countless millions of others who do not, there are other payment options available.
While private insurance does not necessarily have to cover the costs of rehab, most public insurance does or can provide a way to help keep some of the costs down. Speak with the insurance company’s representatives about how to make your rehab affordable.
Always Obtain a Quote for Services
Ideally, before you decide to sign up with a rehab, you want to get a quote so you know what you’re going to be dealing with price-wise. Then you can work with your insurance company, discuss options and payment plans at that particular rehab.
You may be able to pay for the services over time, rather than having to pay all of the money up front, though this depends on the particular rehab facility.
Rehab services are becoming easier than ever to obtain, especially for those who are ready to make a change and get sober. With many payment plans and options, so many are finding it easier than ever to also pay for rehabs. Many hope that it will save lives, as well. If you find yourself asking more questions about addiction rehab when it comes to the cost of rehab, FMLA and addiction rehab, can you smoke cigarettes in rehab, can you bring your cellphone to rehab or some of the most frequently asked questions about rehab we’re here to help!
Talk with one of our treatment specialists . Call 24/7: 949-276-2886
- medicare.gov – Inpatient rehabilitation care
- healthcare.gov – Mental health & substance use disorder coverage
- finder.healthcare.gov – Welcome to Plan Finder
- ncbi.nlm.nih.gov – 6 Financing and Organizational Issues (Detoxification and Substance Use Disorder Treatment)
- ncbi.nlm.nih.gov – Why health insurers should pay for addiction treatment
- cms.gov – Inpatient Rehabilitation Facility Prospective Payment System
Sunshine Behavioral Health strives to help people who are facing substance abuse, addiction, mental health disorders, or a combination of these conditions. It does this by providing compassionate care and evidence-based content that addresses health, treatment, and recovery.
Licensed medical professionals review material we publish on our site. The material is not a substitute for qualified medical diagnoses, treatment, or advice. It should not be used to replace the suggestions of your personal physician or other health care professionals.