Depending on where a facility is located and what amenities it offers, treatment can range from $225 a day to more than $2,600 a day. Private for-profit rehabs in Malibu, California, are among the priciest, while rehabs in the Midwest are much more reasonable in price.
Medical detox, which may be necessary to safely deal with withdrawal symptoms, costs $1,707 a day on average.Inpatient treatment costs an average of $19,067 for a 28-day program. Intensive outpatient treatment costs an average of $6,863 for a 10-week program.
How Are You Going to Pay for Rehab?
Most rehabs — 63 percent — accept private insurance, and 32 percent accept military insurance. Your insurance company will pay for some or all of the costs of rehab. The Affordable Care Act requires providers to offer substance abuse coverage on a level comparable to medical and surgical coverage, although this may not apply if you get your insurance through your employer.
How Will Your Insurance Decide What to Cover?
To get insurance coverage for rehab, you’ll need to prove that the treatment is medically necessary. There are three criteria to meet in order to prove medical necessity for insurance purposes:
- It’s needed to treat an illness (under this definition, addiction qualifies as an illness).
- It’s appropriate for the illness and meets evidence-based standards of care.
- It’s necessary for more than just your own (or your doctor’s) convenience. If you want inpatient rehab, you have to prove that you or your loved one needs residential treatment. Just preferring it isn’t enough.
Your insurance company may choose to fund a less costly treatment option. In order to get coverage for inpatient treatment, you’ll need to PROVE that:
- The rehab is sufficient to treat your (or your loved one’s) symptoms.
- The addict has no other conditions that would keep him or her from participating fully.
- The addict desires to recover and will work for it.
You may need to meet additional criteria to get coverage for inpatient rehab, including:
- The addict’s self-harming behaviors can’t be managed outside of an inpatient facility. There is a real danger if he or she doesn’t get treatment immediately.
- There are acute medical conditions that require inpatient care.
- The addiction is interfering in at least two “domains of life” (i.e. work/school, family, physical health, social relationships).
- You can prove that outpatient care won’t be effective because the addict cannot be trusted to go to treatment without getting high.
- The addict’s condition will unquestionably worsen without inpatient treatment.
Private vs. Military Insurance:
- 63% of rehab facilities accept private insurance
- 32% of rehab facilities accept military insurance