Cookies & Privacy

Our website uses cookies. By using our website and agreeing to this policy, you consent to our use of cookies in accordance with our Privacy Policy.

Paying For Treatment

Paying For Treatment

Many people use their insurance policy to cover a substantial portion, if not all, of their treatment costs. If you have private insurance, you can also apply that to your recovery or look for facilities that offer flexible self-pay options.

How Do I Pay For Rehab?

In the example above, you can see that there’s a lot of fluctuation, and these are average costs to cross the nation not specific to your area. You can use resources like Find Luxury Rehabs to compare prices near you.

It can be frightening to commit to something that expensive, especially if there’s a prospect of failure. But figuring out how to pay for rehab should be viewed as an investment in your future, physical well-being, and mental health.

90 day outpatient care

Between $1,400 - $10,000

Drug Detox

Between $250 - $800 / Day

30 day intensive outpatient prog.

Between $3,000 - $10,000

Residential Treatment

Between $5,000 - $80,000

  • Most outpatient programs include the cost of detox, as do residential treatments.
  • The cost of outpatient or inpatient care varies dramatically on how many times per week you get therapy and how many different programs you participate in during your recovery.
  • Residential treatment can cost as little as $5,000 for a 30-day program, and this includes your detox, all of your full-time therapy sessions, and access to the amenities and holistic programs available at that facility. Stays up to 90 days can cost up to $80,000 for the entire 90-day treatment, including the same things.
Woman with her hand in her head
Simple Room

Does Insurance Cover Drug Rehab?

Common questions are: “does insurance cover drug rehab for MAT,” “does insurance cover drug rehab if I need mental health services” and “does insurance cover drug rehab for residential programs?”

Thankfully, the answer is yes. The federal government mandates that all health insurance policies offer mental health and substance abuse treatment under their essential benefits. All insurance providers will cover some aspects of drug rehab.

Your insurance must cover behavioral health treatment, which includes counseling and psychotherapy

If you pick a facility that is in-network and approved by your insurance provider, all of the costs mentioned above go down substantially because the breakdown of your delete therapy sessions gets covered by your insurance.

Your insurance must cover mental and behavioral health inpatient services

If you need to go to the hospital for detox treatment, this is something that your insurance policy must cover, which significantly reduces the cost of any addiction treatment you begin if you pick an in-network provider.

Your insurance must cover substance abuse treatment

So, if you pick an in-network provider, your health plan has to cover some aspect of your substance abuse treatment.

Note: Your specific benefits for substance abuse treatment will vary based on your state and your health plan. You’ll have to use resources like Find Luxury Rehabs to locate in-network facilities and then speak with them about the coverage you have.

The Best
Treatments For You

View all

Get confidential and professional help for substance abuse & mental health conditions right now.

Get Confidential Callback

What Are the Self-Pay Options for Drug Rehab?

Paying for addiction treatment can still happen privately. If you or your loved ones still need to figure out a way to cover treatment for yourself or someone close to you, you can use self-pay options.

Self-pay options come in many forms:


Firstly, a lot of people think of getting a personal loan. You can get a personal loan through friends and family or a bank to help cover the cost.


An alternative to dealing with a loan and interest is to find free or low-cost treatment options in your state. With Find Luxury Rehabs, you can find treatment centers that provide income-based payment scales, so they charge you a fee that correlates to your income. Many of these facilities have limited funding and a long wait list, so getting treatment can take a while, but it is still an option.


If you don’t have time to wait, you can find rehab facilities that offer payment plans. Many facilities across the United States have self-pay or financing options. For some addiction treatment centers, this means you pay out of pocket based on your income. For others, it means you use a third-party financing service to get a loan for monthly payments. Still, some will set you up with a payment plan without charging interest.

Each of these self-pay options is designed to make paying for addiction treatment easier and ensure that you get help immediately.

Take a side-by-side look at the best rehab facilities in your area with Find Luxury Rehab.

People chating in a circle
Black woman smiling

Does Private Health Insurance Cover Drug Rehab?

Private insurance plans like Medicaid and Medicare will offer some coverage for health insurance. Medicare covers care for an inpatient hospitalization, a partial hospitalization program, outpatient mental health services, and medications.

Most of what is covered fall under the mental health services category, which includes inpatient detox services and ongoing therapy.

These private insurance providers are bound by the same mental health support regulations as other healthcare providers, so a lot of services provided by regular insurance companies are also offered by private insurance companies.

How to Find a Drug and Alcohol Rehab Centers That Accepts Your Insurance

If it is time to get help, don’t wait. Don’t let money concerns stop you from getting the treatment you need when there are ample resources out there that help you figure out how to pay for rehab.

With Find Luxury Rehabs, we can help you find facilities in your state or the state of your choosing which accept your insurance policy so that you don’t have to pay out-of-pocket. We can help you compare inpatient services and figure out which facilities offer the treatment you like with flexible self-pay options. We can help you find care that meets your needs no matter what you choose.

Health Insurance can pay for treatment

View More