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What is the Average Cost of Rehab with Insurance?

Home » Blog » What is the Average Cost of Rehab with Insurance?

It can be challenging to get out of addiction. You might wonder if you can afford rehab and how much it will cost to provide the care your loved one needs.

This page will answer questions such as “Does insurance pay for rehab?” “How much rehab costs with insurance,” and other related topics. These topics include how rehab can help you save money over the long term, the cost of rehab, and what rehab insurance covers. There are also options for payment for those who don’t have insurance.

Does Insurance Cover Rehab?

In most cases, insurance covers rehab because it treats a supervised detox condition. However, there are several variables you need to consider before you make any decisions. These include the terms of your plan. This will help answer the question, “Will insurance pay for rehab?”

What is the Average Cost of Rehab?

The cost for a rehab program varies depending on the type of center and whether it is an inpatient or outpatient program. Non-profit health centers offer free programs, while luxury centers for celebrities can cost as high as $80,000 per month. Most standard drug treatment centers are somewhere in the middle between $2,000 and $25,000 per month.

Costs vary depending on where you are located, how long the rehabilitation will take, and what’s included. For example, a recovery center with a view of the ocean and an Olympic-sized swimming pool will be more costly than one located in a suburban area with standard amenities.

Which should I choose? Inpatient or Outpatient?

You will need to live in the recovery center for an inpatient or residential program. You’ll be able to receive therapy and develop new skills that will help you orient your new life. Inpatient rehab allows you to focus on your recovery and removes temptations.

An outpatient program allows you to live in your own home or near it and visit the center once a week to receive any medication.

Outpatient programs are usually more affordable and allow you to continue your job or other responsibilities at home. Traveling can be challenging if the rehab center’s location is far away, especially if your medication makes it difficult to drive. If your home is full of temptations and you don’t have the support you need to focus on your recovery, it can be even more difficult.

Cost of Addiction Treatment vs. Rehab

It can seem daunting to invest in rehab and possibly take out debt. But, when you look at the numbers, rehab is the most cost-effective option.

  • Substance abuse is costly. Addiction can be expensive. You can be bankrupt just by the substance. You can use this calculator for an estimate of your own cost. An alcoholic who drinks every single day could easily spend $3,000 on alcohol in a year. For $30,000, a ten-year drinking addiction could result in a $30,000 annual cost. Although it is difficult to determine the exact cost of drugs, it is generally much higher.
  • Loss of Income: Addiction often leads to workplace problems or even criminal fines. Most states allow employers to screen for drugs following an accident at work. Even if the accident does not occur, addiction can make it difficult for workers to perform at work and makes advancement impossible.
  • Health Problems: While alcoholism is well-known for its detrimental effects on the liver, both drugs such as heroin and meth can also cause other health problems. After an accident on the roads, supervised detox bills and criminal charges can quickly add up. Nearly 40% of all traffic deaths are alcohol-related.
Cost of Addiction Treatment vs. Rehab

Addiction is expensive in the long term. Rehab can help you save money and reduce your expenses.

What does insurance cover for rehab?

Your insurance plan will determine the coverage you get. Many health insurance companies cover at least some of the treatment costs.

You can reach your insurance provider to determine if they will cover addiction treatment for you or someone you love. It would be best to tell them exactly what services your plan covers, how long they last, and what your co-payment (how much) will be. These are the two types of insurance that are available to the public.

Private insurance

The government does not subsidize private insurance. It may, however, be required by law in some instances to cover mental health services, such as substance abuse treatment.

If you are part of a group plan (the one you receive from your employer) that covers more than 50 employees, the insurance will cover the treatment according to the Addiction Equity Act.

Although private insurance is the most expensive, it offers the most options and allows you to choose the best treatment plan for you. In addition, private insurance provides the best opportunities for those seeking alcohol rehab insurance and drug rehab insurance options.

Public insurance is an option for those who don’t have private insurance or whose plans do not cover substance abuse treatment. This can help make rehab more affordable.

Obama signed the Affordable Care Act in 2010. It funds insurance plans available on a platform called Health Insurance Marketplace. Addiction treatment is considered an “essential supervised detox benefit” by the ACA and must be covered under new plans in the Health Insurance Marketplace.

It may not provide the coverage you need. For example, it might not cover inpatient programs but detox and outpatient services.

You will need to verify your Medicare or Medicaid coverage, as not all plans cover substance abuse treatment.

What if you don’t have insurance coverage for rehab?

There are many options for those who don’t have addiction treatment coverage.

What if you don’t have insurance coverage for rehab?

Talk to your employer

The employee handbook is an excellent place to start. Even if the law doesn’t require it, your employer may offer coverage. They may be willing to pay for you, depending on your situation. You may also be provided extended leave by other businesses so that you can find a job upon your return.

Rehab can seem scary. The worst scenario is to lose your job because you didn’t get help. Contact Human Resources at your workplace to discuss the options available to you.

Talk to the Treatment Center

Don’t be discouraged if the initial cost seems daunting. Many recovery centers offer payment options that allow you to pay in smaller monthly installments. This will enable you to start your treatment as soon as possible. Then, once you are clean and can hold down a steady job, you will be able to pay it off.

Do not let the unknown stop you from seeking help

Hathaway Recovery works with many insurance companies and offers additional financing options to make your recovery affordable. To learn more about insurance for treatment and to speak with one of our intake counselors, we will help you make the first steps toward healing using our advanced treatment program.


  • Excellent treatment center. Hathaway put on the road to recovery, I been sober 2 years today! Thank you Dena and staff members!

    Mike M.
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    Gabby H.
  • First I’ll start by saying that, this facility is absolutely beautiful! A couple years ago my husband Tony attended Hathaway Recovery in Claremont Ca. While Tony was in residential he received every care needed for a successful recovery. Also, he was able to enjoy the home gym at the beautiful Hathaway home, it’s basketball court, pool and etc. which made his stay even more pleasant. I am forever grateful for the man Tony has become ever since his completion. He has two years clean under his belt and many more to come because of the amazing facility. Thanks again Hathaway Recovery and Staff, Keep Continuing Changing Lives, God Bless Diane and Tony

    Diane K.
  • I came to Hathaway Recovery on court orders stemming from charges due to not taking medications for my mental health. I was fearful of what my future held and what that would look like. I have never been to a dual diagnosis treatment program before, and I didn’t know what to expect. I really didn’t think I had a substance abuse problem but after about 3-4 weeks of group therapy and the counselors here at this facility, I finally realized substance abuse influenced me to not be able to take care of my mental health. With the help of Hathaway Recovery’s team, I was able to build a strong foundation for my recovery that is vital to me and my family. The clinical staff, therapist, case managers, and counselors included, were honest, caring, and really helped me gain the knowledge I needed to build this recovery program and lifestyle. I am forever grateful for the treatment at Hathaway Recovery.

    Transition A.
  • My brother has been addicted for years. All our family gave up on him. Recently, he completed an inpatient residential program at Hathaway Recovery. This place is blessed and so helpful. It’s very luxurious, you feel like you are on vacation at a beautiful resort. Hathaway Recovery staff is very helpful, understanding and supportive. They all helped him to recover and to become a human again and enjoy his life. This place also supports family members and teaches them how to deal with aftercare to prevent relapse. Hathaway Recovery is the place for those who are struggling with addiction. Thank you for everything!

    Beauty D.
  • As a Trauma Informed Therapist I was contracted by Dina , the Owner to provide additional Trauma Informed Counseling. She indicated that she was seeking additional clinical services because her client population were enthusiastic about their recovery and she wanted to provide quality care. Working with Hathaway has been magical. This program does not separate addiction and mental health trauma into separate treatments, This program blends together the understanding that addicts have childhood trauma and have habitually used drugs or alcohol to dull their inner pain., Hathaway Recovery provides highly individual services for each client, including bilingual counseling. This is a program that I am proud to be a part of. Susan Pennington, LCSW – Trauma Informed Counseling Services.

    Susan P.
  • Hathaway Recovery Center is the real deal. They helped me find myself when I was completely lost. After I lost the mother of my child due to a tragic accident. The therapists and counselors truly cared. We made a relationship with each other that was unbreakable. The other clients were awesome roommates and true to me. The house managers were great and the living situations were awesome. If I ever even think about slipping up I’ll be returning. Today I have over one year clean.

    Jimmie R.
  • After searching many rehabs and after spending so much money to useless facilities we finally found Hathaway . From the bottom of my heart I would like to thank all the staff and all the residents that made my sons recovery easier from beginning to end.

    Gayane A.
  • Hathaway truly saved my life. I am so grateful to have had an opportunity to go there. I came in at absolute rock bottom, 9 rehabs later and countless sober livings. I can tell you that this treatment center is different then every other one I’ve ever been to.

    Justin J.
  • After running into some trouble with the law, a substance abuse counselor suggested that I check myself into Hathaway Recovery. Hathaway Recovery helped me get my life back together one step at a time. Through discipline, routine, and structure, I can honestly say that this treatment center has helped me tremendously! The staff are very helpful and caring to each person’s needs, and helped me to realize the beauty of living a sober life.

    Josh M.
  • Hathaway Recovery stuff saw potential In me when I couldn’t. They showed me a new way of life, a better life. Coming to Hathaway recovery is the best decision I’ve ever made. I’m beyond grateful for everything the program has done for me!

    Gilberto F.
  • Finally, Hathaway is a Treatment Center that offers a holistic approach to addiction. This center offers a safe place, community and a network to grow with throughout your recovery process. They make you feel that you are NOT alone. The leadership has been in your shoes!!! Hathaway Recovery is more than just a temporary fix, it is a foundation, a movement, a family to be a part of.

    Anthony P.
  • One of the best places I have been too! They really know how to treat you and very professional!

    Ashley A.
  • Hathaway Recovery and their staff have been nothing but supportive and understanding throughout our family member’s journey. I truly appreciate all the staff and their hard work. The communication has been great and has provided us a really positive experience. I would highly recommend this facility to anyone looking for a rehabilitation center for themselves or a loved one. Thank you Hathaway Recovery!

    Lilit H.
  • Hathaway Recovery is a very solid, very friendly place. My boyfriend decided to go here and has spent a significant amount of time at the recovery house. They are very good at bringing clients to meetings and on fun outings occasionally! Hathaway is committed to their clients’ recovery and their sobriety and to helping them in any way possible. They go above and beyond for the clients and I definitely would recommend considering Hathaway for your sobriety/recovery.

  • Hathaway is a warm caring treatment oriented environment to receive help from various addictions and behavioral problematic issues. The location itself is serene and safe.. I enjoyed the both staff/professional’s and patient’s… It has many services available, a very unique place… I recommend anyone to come and receive long-term treatment here at Hathaway…

  • Hathaway Recovery is a very solid, very friendly place. My boyfriend decided to go here and has spent a significant amount of time at the recovery house. They are very good at bringing clients to meetings and on fun outings occasionally! Hathaway is committed to their clients’ recovery and their sobriety and to helping them in any way possible. They go above and beyond for the clients and I definitely would recommend considering Hathaway for your sobriety/recovery.

  • “There was no longer any doubt in my mind that I was in the right place for my drug abuse treatment, “Of all the rehabs I could have chosen, I am glad I picked The Hathaway Recovery Support hope respect and care is what i was offered thanks for everything Hathaway recovery you are the best

  • Hathaway Recovery is an awesome place the whole staff has been so helpful they are very professional and very nice Hathaway recovery is a great place to get your addiction treated my brother is doing very well there and we are so glad they were very understanding and willing to help him.

  • A very welcoming environment and kind hearted staff that really took care of my relative and cleaned him up. Thanks Hathaway recovery.

  • When your loved one is sick and needs help you look for the best and I found the best for my son thank you for everything you did for him.


    Hathaway Recovery is an exclusive addiction rehab treatment center in California offering healing recovery from all substances. We’re proud to provide a great combination for drug, alcohol, psychiatric and psychological recovery treatment backed by experts in the addiction treatment field. Our drug and alcohol rehab is built on the cornerstone of care and compassion and accommodates clients and their families from all backgrounds to educate, inform, and create change around substance use disorder. In a secluded mountain hill luxury resort, our facility offers a therapeutic environment and array of clinical modalities to help individuals and their families. Our staff are also multilingual to address the needs of clients from anywhere in the world.

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