The costs associated with private addiction treatment programs can vary widely, based on location, level of care, accommodations, and what forms of payment are accepted. This included whether or not they will work with your insurance provider, whether they are in-network or out of network. It is also determined by how much your deductible is on your policy and whether your out of pocket maximums have been met.
Here are some general treatment cost ranges by level of care.
Detoxification – $600 to $3,500 per day
Inpatient/Resdiential – $350 to $3,000 per day
Day Treatment (full-time) – $250 to $2,500 per day
Intensive Outpatient (part-time) – $100 to $1,800 per day
Of course these can be very different form facility to facility. Since much of healthcare is now insurance driven (both in terms of levels of care and allowed charges), it is often more determined by your policy.
Here is a typical scenario: Your deductible needs to be met first, which let’s say is around $2,500. That is usually due up front. From there, it is a matter of your coverage and your out of pocket maximum. If your coverage says 80% of the allowed amount, and your total bill for approved days winds up being $30,000, then you would likely be responsible for $8,000 of that (deductible + co-pay of balance).
The truth is that sometimes programs can work with you and set up payment plants. Additionally, if you’re engaged in treatment over longer periods of time, then those payments can be really spread out. In the example above, $8,000 paid out over a year ($667/mo.) is worth it for a good program.
For people without insurance, sometimes programs have private pay rates that might guarantee you a number of days at a set price, or month-to-month payment plans to still make treatment affordable.
Many programs also have some type of scholarship opportunities available, though they are limited. There may also be hardship programs to help deal with some of the out of pocket expenses after insurance has paid, though each facility is different in what they will allow, and it must be in accordance with regulations.