Having an addiction problem already presents its own set of challenges: mood swings, mental health issues, and withdrawal symptoms. However, when you consider seeking help, the costs of detox and partial or full hospitalization may be too much to take on by yourself.
For reference, the National Center for Drug Abuse Statistics reports that the most affordable detoxification programs average $1,750. A three-month outpatient rehab program costs around $5,000, and the least expensive inpatient programs run about $6,000 per month.
Looking at these numbers, it may appear that your finances will spiral out of control when you get treated for addiction. Yet, your health insurance may cover those costs.
This article breaks down the accepted insurances by most drug addiction treatment facilities (including Allure Detox). It discusses the factors that affect insurance coverage, types of insurance plans, and more.
A Closer Look at Addiction Rehab Costs
Wondering why it’s increasingly difficult for people with addiction issues to get help?
There’s the social stigma linked to using addictive substances, being afraid of withdrawals, entering a never-ending cycle of guilt and shame, and worrying about the cost of treatment.
This last point is especially intimidating once you know potential expenses:
| Treatment type | Average cost | Additional expenses and more details |
| Detox | $1,750 to $5,600 (over 7 days) | $7,500 for Rapid Detox $4,700 a year for Methadone treatment $2,500 for interventions with family and friends |
| Outpatient program | $1,400 to $10,000 (for a 30-day program) | $15,000 to $19,500 (for an intensive 30-day program) $10,500 to $13,500 (for 30-day partial hospitalization) $3,000 to $4,000 admission fee |
| Inpatient program | $5,000 to $20,000 (for a 30-day program) | $12,000 to $60,000 (for 60 or 90-day programs) $3,000 to $4,000 admission fee |
| Residential treatment | $5,000 to $80,000 (for 6 to 12 months) | $20,000 as a starting price in a private treatment facility $3,000 to $4,000 admission fee |
Note: These numbers were 2022 forecasts; the prices could be higher in 2026 due to inflation.
What Affects Addiction Treatment Costs?
Various factors influence substance abuse treatment costs, which you should keep in mind to know what you’ll be expecting when seeking professional help.
- Private vs. state-run facility: Private treatment centers are more expensive than state-run ones (those can be free). Yet, state-funded facilities have longer wait times, and people with a moderate to severe addiction problem need immediate action.
- Level of care: Outpatient, inpatient, partial hospitalization, or residential rehab all come at different prices. The more intensive the level of care, the more expensive it’ll be.
- Rehab program length: Treatment can last for weeks or months, with rehab programs ranging from 30 to 90 days, depending on the severity of the addiction. The longer you undergo addiction therapy, the more money you’ll be charged.
- Location: Drug rehab services in certain states or cities tend to cost more than others. For instance, the average individual’s total costs for residential care in DC are $66,538, but they’re $42,195 in Idaho.
- Insurance: Lastly, the existence or lack of a health insurance plan greatly impacts addiction treatment costs. This is why accepted insurance is one of the first things to ask about when you contact a treatment facility.
Does Health Insurance Cover Addiction Treatment?
Most health insurance plans cover private rehabilitation treatment for drug and alcohol addiction. Health insurance must cover basic health services, and this is not limited to physical illnesses.
Under the Affordable Care Act, most plans must include mental and behavioral health benefits, including care for substance use disorders (SUDs), and those benefits must be covered on par with medical care under the Mental Health Parity and Addiction Equity Act (MHPAEA).
Coverage applies at any stage of recovery. You don’t have to be at the beginning of treatment to use your benefits.
What Insurance Plans Are Accepted for Substance Addiction Treatment?
Most of the following types of insurance are required by the Affordable Care Act (ACA) to cover addiction treatment. They must treat mental health and substance use disorders as they would any physical health condition.
At Allure Detox and many treatment facilities across the U.S., these types of plans are commonly accepted, depending on the specific plan and network:
Private Insurance Policies
Private insurance policies tend to cost the most, but they often give you more freedom when choosing a treatment center. The level of coverage depends on your policy.
Some private health insurance policies don’t cover detox, while others will limit you to in-network healthcare providers and facilities. You might need to pay out of your pocket for detox, and the same goes if you’d like to go to a facility that isn’t included in the insurer’s network.
Also, coverage may vary depending on the duration of your rehab, level of care, type of addiction, or whether you’ve been previously treated. That’s why you must contact your insurance company to understand what will and won’t be covered.
Examples of plans that private insurance companies offer are:
- Blue Cross Blue Shield
- First Health Insurance
Marketplace Insurance Plans
Marketplace health insurance plans are bought through HealthCare.gov. There is no income limit to buy one, and all Marketplace plans must cover substance use disorder treatment. Whether a particular treatment center accepts a given plan depends on the plan’s network, so check before you enroll or admit.
Employer-Sponsored Insurance
Health insurance sponsored by your employer is widely accepted at addiction treatment centers. It typically covers most addiction treatment services: detox, counseling, medications, residential rehab, and outpatient services.
The coverage details are based on the plan your employer chooses.
If you are eligible, your job may also be protected under the Family and Medical Leave Act (FMLA), which allows up to 12 weeks of unpaid leave for treatment. Your employer may ask for a medical certification, but your treatment records stay confidential.
What Insurance Plans Are Accepted at Allure Detox?
Allure Detox works with most major carriers, including Blue Cross Blue Shield of Florida (Florida Blue), Aetna, Cigna, United Healthcare, out-of-state Blue Cross plans through BlueCard, and TRICARE. About half of our clients travel from other states, which is why you will see New York and New Jersey plans listed. We are not able to accept Medicaid or Medicare at this time.
Click on any plan below for more details:
- Aetna
- AmeriHealth
- Anthem BCBS
- BCBS Federal
- Beacon Health
- BlueCross BlueShield
- Cigna
- Coresource
- Empire BCBS
- Empire Plan
- GEHA
- GHI
- Horizon BCBS
- Humana Insurance Coverage
- Magellan
- Meritain
- NYSHIP
- Tricare
If your insurance plan isn’t on this list, it might still be accepted. Verify your coverage to find out.
What Addiction Treatment Services Does Health Insurance Cover?
Most health insurance policies will fully or partially cover all stages of the recovery process, as specified in your policy:
- Detoxification
- Inpatient or residential rehab
- Outpatient rehab services
- Behavioral therapy (individual counseling, group therapy, cognitive-behavioral therapy, family therapy, etc.)
- Medication-assisted treatment (MAT)
- Aftercare
Remember that, in most cases, you’ll have to pay your deductible out-of-pocket before insurance takes care of the rest of the treatment costs.
Out-of-Pocket Costs to Keep in Mind
No matter your insurance plan, out-of-pocket costs still exist. You need to be mindful of them so that you can prepare financially:
- Deductibles
- Copayments
- Coinsurance
- Out-of-pocket maximum
- Non-covered services
Does Insurance Cover Co-Occurring Disorder Treatment?
Usually, yes. Under the Affordable Care Act (ACA), mental health care is an essential benefit, so your plan should cover treatment for a co-occurring disorder as it does addiction treatment itself.
As with any care, deductibles, copays, and plan limits mean some costs may remain yours.
What Factors Affect Insurance Coverage for Addiction Treatment?
Of course, it’s best to inquire about the specifics of your insurance coverage by personally contacting your health insurance company. If you’re in a hurry, here’s an overview of factors that will affect coverage:
- Medical necessity: Insurers cover services they consider medically necessary, based on clinical documentation from the treatment center.
- Plan-specific limits: Based on the plan or policy you’ve purchased, there may be some limits regarding treatment length, types of addiction covered, and the like.
- In-network facilities: In-network facilities usually cost you less. Some plans also pay part of the cost at out-of-network facilities, and some do not.
- Prior authorization: Many plans require the treatment center to submit clinical documentation and get approval before, or shortly after, admission.
Can You Appeal Your Insurance Company’s Decision?
Yes, if an insurance company denies coverage of your addiction treatment, you may appeal its decision. A rejection or cancellation of coverage may seem final, but you have the legal right to challenge it.
Your appeal can either be internal or external. In the case of an internal appeal, you ask your insurance company to conduct a thorough review of the decision. However, an external review could be better because it leaves the final decision in the hands of a non-biased third party.
Can You Pay for Rehab Without Insurance?
Yes, there are ways to pay for addiction treatment if your health insurance is limited, or if you don’t have one:
- Apply for state-funded treatment programs, which are typically free or significantly low-cost.
- Look for a treatment center that offers flexible payment plans or a sliding-scale model.
- Seek nonprofit organizations that give grants.
Final Thoughts
Insurance should be one of the first conversations you have when you are ready to seek treatment.
Many treatment facilities, including Allure Detox, work with employer-sponsored plans, private health insurance, and some Marketplace plans. Depending on your policy’s particulars, your condition, and the facility itself, services may be fully or partially covered.
Get in touch with Allure Detox in West Palm Beach to learn more about accepted insurance, what services are covered, and related details.
Written by: The Allure Detox Editorial Team
Published on: April 9, 2019
Updated on: October 9, 2026
