The real cost of rehab: What you’re paying for and why it matters
Addiction treatment is often portrayed as emotionally life-saving—and it is. But for many individuals and families, the financial side of rehab can feel just as overwhelming.
From residential treatment centers to outpatient therapy and aftercare, the costs can quickly add up.
This article breaks down the different costs associated with addiction treatment and offers guidance on how to make informed financial decisions during a critical time.
1. Understanding the different types of rehab and their costs
Not all rehab programs are created equal, and neither are their price tags. Here’s a breakdown of common treatment types:
- Inpatient rehab (residential):
These programs provide 24/7 care, accommodations, meals, medical support, and therapy. Costs can range from $10,000 to $60,000 per month, depending on the facility’s quality and location. - Outpatient programs:
More flexible and less expensive than inpatient care. Patients visit a facility several times a week for therapy. Costs typically range between $3,000 to $10,000 for a 90-day program. - Detox programs:
Medical detox is often the first step in recovery, especially for alcohol or opioid addiction. These can cost $1,000 to $5,000, depending on whether medical supervision is required. - Medication-assisted treatment (MAT):
Ongoing medication for opioid or alcohol use disorder may cost $500–$1,200 per month not including doctor visits or therapy. - Aftercare and sober living:
Many individuals benefit from extended support in sober living environments, which can cost $500–$5,000 per month.
2. What you’re actually paying for
While the sticker price may seem high, it’s important to understand what those fees cover:
- Medical supervision: Trained healthcare professionals available for withdrawal, health monitoring, and emergencies.
- Licensed therapists and counselors: Offering CBT, DBT, trauma-informed care, and relapse prevention.
- Meals and accommodations: Especially in residential programs, clients are housed and fed as part of holistic healing.
- Group and individual therapy: Core to any effective treatment plan.
- Amenities (optional): Luxury facilities may include gyms, yoga, massage therapy, private rooms, etc.
3. Does insurance cover rehab?
Yes—many insurance plans do cover rehab services, but the level of coverage varies:
- Private insurance: May cover a portion or the full cost, depending on deductibles and co-pays.
- Medicaid/Medicare: Often cover basic inpatient and outpatient programs.
- Employee assistance programs (EAPs): Some employers offer short-term addiction help.
- Sliding scale & scholarships: Some centers offer discounts based on income or payment assistance plans.
Always call your insurance provider and verify coverage before entering a program.
4. Why the cost is justified
Consider the alternative cost of not seeking treatment:
- Legal troubles (DUIs, court fines)
- Medical bills (ER visits, chronic disease)
- Lost income from job loss or poor performance
- Relationship damage leading to divorce or child custody battles
- Long-term care for chronic health complications
In many cases, the price of rehab is less than the long-term cost of continued addiction.
5. Tips for managing rehab expenses
- Create a rehab budget before enrolling.
- Ask about payment plans or phased payments.
- Look into public or non-profit facilities with lower costs.
- Apply for scholarships offered by the rehab center.
- Consider crowdfunding—many families turn to platforms like GoFundMe.
Final thoughts
Yes, rehab is a significant investment—but it’s an investment in life, health, and a future free from the chaos of addiction. While the cost can be daunting, it’s vital to weigh that against the physical, emotional, and financial cost of not getting help.