When beginning research into treatment options, finances inevitably come into play. It’s understandable; treatment isn’t free, it’s priced at $3,000-$30,000 and beyond based on the specific program types and lengths. However, the good news is that you pay far less out-of-pocket than the impressive numbers suggest, and options for affordable treatment are more available than ever before. The way the system works has improved in favor of those needing help, and the more you know about your options, the better.
Average Treatment Pricing
Outpatient programs boast some of the lowest fees for alcohol treatment; on average, they cost $1,500-$10,000 for comprehensive care. This is why many people seek such options; these programs allow individuals to live at home with their families while attending therapy sessions three to five times per week. Intensive outpatient programs offer a bit more structure and therapeutic support but usually range from $3,000-$10,000 for comprehensive care.
Residential/inpatient treatment requires a large financial investment. Average 30-day programs cost $6,000-$20,000 for standard facilities; higher-end facilities range from $30,000-$100,000 for similar types of programs with additional amenities for lower staff-to-patient ratios, private rooms and added therapeutic options like yoga for those who want comfortable access during recovery.
Medical detox services (if applicable) cost $300-$800 per day; most people get through detox in 5-7 days, adding on $2,000-$5,000; it’s worthwhile to have medical supervision during this process for safety and comfort.
Using Insurance to Your Advantage
Addiction treatment coverage has improved over the past decade. Thanks to the Mental Health Parity and Addiction Equity Act, most plans cover substance abuse treatment like any other medical concern. This has opened many doors for many people who would otherwise have limited access.
Most insurance covers 50-90% of treatment costs. There are still deductibles, copays and network providers, but typically someone is responsible for 10-50% when treatment centers are in-network. Most treatment centers report that insurance plans cover 70-80% of treatment costs after meeting deductible for their patients; therefore, even higher-end programs can be accessible.
In-network facilities help insurance go a long way. For example, if seeking alcohol treatment in Arlington, TX, and your insurance works with a specific facility, you’ll likely pay only $2,000-5,000 out-of-pocket instead of $15,000+. This makes affordable quality treatment worthwhile.
Many treatment facilities will verify insurance coverage and pre-authorize treatment for clients; they’ve done the work with insurance companies enough times that they know how to expedite the process efficiently. The sooner pre-approval goes through, the quicker people can get into treatment.
Flexible Payment Plans and Financing Options
Payment options have become more flexible because many treatment centers want to ensure people get help regardless of financial status. Most facilities offer payment plans extending costs over time; instead of paying $12,000 upfront for a program one must contribute $1,000 a month for 12 months to complete the program without financial strain with reasonable interest or no interest.
Medical credit cards like CareCredit present another great option as they often offer no-interest promotional opportunities; people usually have between 6-24 months to pay off a $12,000 debt without interest charges, which allows someone to budget repayment against monthly expectations without fear of added fees.
Personal loans through a bank or credit union come with predictable monthly payments and fixed interest rates. Bank loans for individuals with good credit run 6-12% interest, making monthly payments affordable sooner than later. Even banks willing to work with individuals with not-so-good credit can help obtain loans.
Affordable or Reduced-Cost Treatment Options
Community-based programs are excellent resources for care that is quality through licensed professionals yet offered on a sliding fee scale based on income. For example, someone who earns $35,000 a year might pay $50-75 per session while someone earning $75,000 might pay $150. However, their care will not differ; sliding fee scales merely help match what people can afford.
State funded programs are available free and low-cost across the country. While some include waiting lists, many people can receive help within days or weeks. Their clinical services are legit and effective from licensed professionals who truly want to help.
Non-profit organizations and faith-based programs make low-income options a reality. The Salvation Army has treatment centers across the country that charge minimal amounts or work on a donation basis; thousands have received quality care with these centers without any financial burden yet still transformed lives.
Budgeting for Additional Costs
The cost of transportation is critical to account for; for outpatient treatment needing multiple visits per week this small investment of $100-200 a month for gas or public transportation covers most circumstances. Many facilities will help with transportation accommodations or virtual therapy that eliminates such considerations altogether.
Time off from work becomes an expense but most companies support short-term disability benefits under FMLA and personal leave to attend any medical treatment option. Most HR reps will share with you what they can do so you can focus on your recovery instead of worrying about lost wages.
Medications that support recovery run $50-$300 a month depending on personal coverage; they’re worth the investment as pharmaceutical companies often have their own patient assistance programs that ease and sometimes eliminate debt burden if people qualify financially.
Affording Treatment FAQs
By calling several different facilities to gauge prices for treatment you can receive real-time information in advance before deciding where you want to go. Financial counselors can tell you how much you’ll pay out-of-pocket with your insurance compared to payment options and affiliated discounts and what assistance could be available to you that you didn’t know existed. Getting 3-4 quotes will help price match what’s best for you.
Health Savings Accounts/ Flexible Spending Accounts allow pre-tax dollars to cover treatment expenses, effectively giving someone a 20-30% discount based on their tax bracket, if this option is available through an employer it’s wise to use it for all treatment costs.
Many families consider financing their loved one’s treatment an investment; often the conversation about using family money is uncomfortable at first, but families would rather successfully fund someone’s recovery than watch them suffer day-in-and-day-out. Recovery benefits everyone involved.
Treatment as an Investment
Treatment is ultimately an investment in one’s future, let alone a financial one. If someone spends $150-$250 every week on alcohol alone they’re saving themselves over $8,000-$13,000 yearly, never mind the boost in job performance if they get their act together in time or their health improving without alcohol-related medical emergencies or accidents.
People who successfully complete treatment will say it was worth every penny. Recovery means restoration of relationships; professional advancements; improvements in health physically and mentally and overall happiness down the line. These benefits compound which make it worth even more per time invested.
The most important factor to understand is that treatment is ultimately more affordable than most people realize up front. Between insurance coverage that is solid, payment plans that are flexible and sliding scale options/quality low-cost programs available there is a solution for just about any financial situation out there.
Resources exist to make recovery an option for everyone regardless of how things look initially, but it’s important to do the research so that getting help now means opportunities down the road, even finances making it one of the best choices anyone can make for themselves.