How Do I Pay for Treatment?

Addictions Content Team Info icon
Calendar icon Last Updated: 09/15/2021

Reading Time: 3 minutes

There are many different ways to pay for addiction treatment, and while it can sometimes seem like a difficult task, it is important to remember that many rehab programs exist with many different costs.

What Is the Cost of Treatment?

Rehab can cost anywhere from nothing to $80,000 a month. These are, of course, extremes, as free treatment does exist but can be difficult to find and the most expensive options are usually luxury facilities available to those who want more intensive care and more comfort during treatment.

Paying for Addiction Rehab

Professional treatment programs are generally likely to cost more if they are in inpatient or residential facilities than if they are in outpatient centers (National Institute on Drug Abuse). However, it is more important to attend the type of program you require based on the severity of your situation. There are rehab facilities of all types that vary widely in cost.

But how can you pay for treatment, and what options are available to help you do so?

  • Insurance can be extremely important in helping individuals pay for rehab, especially because, according to the Substance Abuse and Mental Health Services Administration, addiction treatment and prevention is now listed as an essential health benefit that must be covered by insurance plans sold on the Healthcare Marketplace.
    • You can call your insurance company to find out what kind of options your plan provides as well as to possibly learn about certain rehab programs that could be helpful to you.
    • It is also important to ask your rehab program of choice if they will accept your insurance, how much your insurance will cover, how much you will be expected to pay out-of-pocket, etc.
  • If your insurance covers some but not all of the cost of your rehab program, you may be asked to pay for a certain amount of the program out-of-pocket. It is possible to do this in many cases, as insurance companies often take on the brunt of the cost, and the rehab program of your choice will be able to give you an idea of how much you will need to pay before you decide to attend treatment there.
  • Asking friends and family members is also an option to help you pay for addiction rehab. It is likely that your loved ones want you to get help just as much as you do, as your addiction is probably hurting them too. They may be able to help you shoulder some of the burden of paying for addiction treatment.
  • In certain cases, your employer might be willing to help you shoulder some of the cost of rehab, especially if you go through your company’s Employee Assistance Plan (US Office of Personnel Management).

Can I Get Free Rehab?

Though low-cost and even free options exist, it is important to ensure that you truly need to attend this type of care before taking a spot from someone else. Making a budget can help you find out just how much you can afford to pay for rehab, and then, you should be able to find a program that, with the help of your insurance, will cost you around that much.

What If I Can’t Afford the Cost?

Often, the cost of treatment can be high, even with the help of friends, loved ones, and insurance plans. This is why many rehab programs have an option for patients to finance the cost of their care. You may be able to pay a specific sum at the beginning of your treatment and then pay a monthly amount agreed upon between you and the facility so that you will not be forced to pay the full amount all at once. This can make the cost of treatment––and paying for it––much more manageable.

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