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Paying for Rehab with Insurance

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Substance use disorder (SUD) is a significant problem in the United States. Over 20 million Americans 12 years of age and older had SUD in 2019. 

Less than 4% of those individuals obtained treatment for their problem, and fewer than 1% began rehab specializing in treating their particular condition.

Many people find it difficult to rehabilitate because of the cost of medical services for treating alcoholism. They think getting help would be too expensive, and these individuals decide not to ask for help. Then their condition gets worse.

Fortunately, this blog post will explain how to obtain treatment services while paying with insurance and what to do if you don’t have insurance.

Key Takeaways

The cost of rehab appears to be a challenge for some people to afford due to financial concerns, even for those with stable incomes. 

This blog post shares the following:

  • Several people who battle with alcohol dependence experience financial difficulties in getting proper medical assistance.
  • Many rehab centers accept insurance and provide multiple levels of care, including detox, residential treatment, psychotherapy, aftercare treatment program, etc.
  • You can get help from state-funded and free rehab programs to fight against addiction.

Get professional help from The Haven Detox-New England. Contact us at (844) 933-4145 to learn more about our treatment programs and service charges.

Using Insurance to Cover Rehab for Addiction

The expense of your addiction treatment may be partially or fully covered by private or public insurance. 

Long-term commercial and public insurance plans must include coverage for ten essential health services under the Affordable Care Act (ACA), which includes mental and behavioral treatment.  

Depending on the specifics of your insurance plan, you can be responsible for expenses like your deductible, copayment, or coinsurance. Group insurance through your work and self-purchased insurance are both types of private insurance (non-group plans). 

Public health insurance consists of Medicaid, a state-based program for low-income Americans, and Medicare, a federal program for elderly and disabled Americans. 

Since the ACA’s requirements apply to public and commercial insurance, both can contribute to financing treatment for substance use disorders deemed medically necessary.

A crucial consideration is selecting a treatment programmer that is in-network with your insurance company. Non-emergency care outside of the network is frequently not covered by many health insurance policies, and if it is, it is usually very expensive.

Cost of Rehabilitation

The price of a recovery program varies depending on the type of facility and whether you participate in an inpatient or outpatient program. While treatment facilities for celebrities may cost up to $80,000 per month, recovery choices, such as those offered by non-profit health clinics, are completely free.

Most typical drug rehab facilities charge between $2,000 and $25,000 a month.

Duration, therapy, and treatment location all affect the price. A rehabilitation facility, for instance, will cost more if it has a view of the ocean and an Olympic-sized pool than one with standard amenities.

Outpatient programs are typically significantly more economical; you can keep up with your household duties or employment while choosing different treatment options. 

Outpatient programs are not for everyone, as traveling to a rehab facility from a distance might be challenging if you are on medication that impairs your driving ability. It can also be challenging if the temptation to use is present in your home and you lack family support to help you concentrate on your recovery.

Rehab Services Covered by Insurance

Many types of addiction treatment are available in the US, and health insurance plans frequently cover most of them. In 2021, about 90% of Americans had access to health insurance.

Addiction treatment programmers that may be reimbursed by insurance depend on depending details of your insurance plan, including:

Medical Detox

Your body detoxifies by getting rid of substances throughout this procedure. You can encounter possibly fatal withdrawal symptoms while going through detox. 

As a result, many people would consider detox programs staffed with qualified medical professionals 24/7 to be a safer choice.  

Before beginning a more extensive course of the treatment plan, this procedure can assist you in gaining stability.

Inpatient Rehab Program 

You can live at the facility as part of a residential and inpatient treatment program to receive round-the-clock addiction treatment services as you strive toward recovery. 

To aid in your rehabilitation, inpatient programs typically provide multiple groups and individual therapies, one-on-one counseling, and specialty programs. 

Inpatient programs can run from a few weeks to a month and are often held in a hospital setting. Residential programs can run from a few months to a year and are typically located in rehabilitation centers.

Outpatient Program 

Outpatient programs can help those who need to stay home while receiving addiction and substance use disorder services. 

Through outpatient programs, you can receive treatment at a facility while continuing to live at home, go to work, go to school, and go about your everyday activities.


Therapy sessions allow you to talk to a therapist privately and address any underlying problems affecting your addiction. Your therapist can be a huge help in teaching you coping mechanisms.


Aftercare is a program that aids in maintaining healing following a thorough inpatient or outpatient course of treatment. Aftercare plans typically put you in touch with sober friends, groups, and support systems like Alcoholics Anonymous (AA).

Paying for Rehab Without Insurance

There are still many choices to consider if you don’t have health insurance for alcohol treatment:

  • Even individuals without private insurance can pay to attend rehabilitation. 
  • You may be eligible for public insurance benefits that will assist you in paying for your medical expenses. 
  • For people sixty-five and older, those who are disabled or have some medical issues, there is Medicare and Medicaid. Although eligibility for Medicaid varies by state, it is often determined by income and family size. 
  • You might be eligible for VA healthcare if you are a veteran with an honorable discharge.

If you can’t get health insurance, you can still pay for your substance use treatment in other ways. For example:

Private Pay 

To pay for your private therapy, you can utilize savings, a loan, or money from friends and relatives. Additionally, many treatment facilities provide payment options that might facilitate this alcohol addiction treatment.

Sliding Scale Fees 

Some treatment centers have a sliding scale of fees where you pay less if you’re lower income.

Scholarships and Grants 

Many treatment facilities provide scholarship programs for patients who cannot afford care. You must learn the requirements and the application process.

State-Funded or Free Rehab Programs 

Affordable or accessible recovery programs are available in many states. Even if you cannot afford treatment, costs can be a terrific method to get the necessary care.

Employer Assistance

Read through the employee manual to get started. Even though it is not required by law, your company may offer insurance coverage. 

They might even be willing to make a monetary donation depending on the circumstances. Other employers could give you an extended leave so you can have a job when you return.

It can be unsettling to consider losing your work if you undergo alcohol treatment. However, losing your career due to not receiving assistance is more likely.

Payment Plans 

Don’t let the upfront expense deter you if it sounds intimidating. Many treatment facilities provide payment plans so that you can make monthly payments in smaller amounts. 

You will be able to begin your treatment right away, thanks to this. You’ll be able to pay it off once you’re sober and secure steady employment.

Frequently Asked Questions (FAQs)

What is rehabilitation insurance?

Rehabilitation in life insurance typically helps people recover from incapacitating illnesses and injuries. When well implemented, engagement with an outside provider can enable people to regain their general sense of well-being and return to work.

If you and your family members are enrolled in an inpatient or residential treatment with insurance, you are required to live at the rehab facility. You’ll receive treatment and discover new coping strategies for your newly sober life.

You can focus on recovery in a distraction-free setting during inpatient rehab.

Can you get life insurance after rehab?

Recovering alcoholics can buy life insurance after three years of sobriety and will pay much higher rates than people with no history of alcohol addiction. Insurance policies, benefits, and rates are grounded on risk. 

Recovering addicts deal with a higher level of risk to the carrier. At the same time, insurance policies are pretty helpful in seeking addiction treatment in case you experience withdrawal symptoms after attending rehab. 

Coverage can help them to stay sober and get back to an addiction-free lifestyle.

How do people pay for rehab?

Most people with health insurance coverage have substance abuse and mental health benefits due to the Affordable Care Act defining these benefits as essential. For people with private health insurance, there are a few more options.

Private health insurance offers coverage for the same types of facilities that Medicaid covers, detox, and inpatient care, the main difference being that private health insurance will pay for more and different facilities.

A less common way people pay for substance abuse treatment is to pay cash out of pocket.

Seek Professional Help from The Haven Detox-New England

We understand that addiction requires appropriate medical care and that high-quality medical care is expensive.  

To ease the burden and promote healthy existence on earth, The Haven Detox-New England provides beneficial substance abuse treatment programs, such as medical detox and residential treatment programs, with insurance coverage.

We have experienced staff who know the conditions and advantages of insurance coverage for addiction treatment. Our team handles all correspondence with insurance providers so our patients can concentrate on the most crucial task of overcoming addiction.

Call us at (844) 933-4145 today to learn more about our treatment programs and service charges.