How Much Does Rehab Cost in 2026?

Understanding addiction treatment costs is often the first barrier families face when seeking help. The cost of rehab varies dramatically based on five primary factors: the level of care you need, how long you stay in treatment, which substance you’re seeking treatment for, whether you have insurance coverage, and which facility you choose. This comprehensive guide breaks down every cost factor so you can make informed decisions.

Rehab Cost Overview: What to Expect

Here’s a high-level overview of addiction treatment costs in 2026:

Treatment Type	Without Insurance	With PPO Insurance	With Medicaid
Medical Detox (5-14 days)	$1,500 – $8,000	$800 – $5,000	$0 – $50
Inpatient Rehab (30 days)	$15,000 – $50,000	$6,000 – $22,000	$0 – $100
Partial Hospitalization (30 days)	$6,000 – $20,000	$2,500 – $10,000	$0 – $50
Intensive Outpatient (30 days)	$3,000 – $10,000	$1,200 – $5,000	$0 – $30
Outpatient Therapy (per session)	$100 – $200	$30 – $75	$0 – $5
Medication-Assisted Treatment (monthly)	$300 – $1,500	$50 – $250	$0 – $10

These ranges reflect standard, accredited treatment facilities. Luxury or executive rehab programs can cost $30,000 to $100,000+ for 30 days even with insurance.

Cost by Level of Care

The biggest cost driver is which level of care you need. Treatment exists on a continuum from most intensive (and expensive) to least intensive:

Inpatient/Residential Treatment

What it is: 24/7 residential care in a treatment facility with round-the-clock medical and clinical supervision.

When it’s needed:

• Severe substance use disorder
• High risk of medical complications during withdrawal
• Co-occurring mental health conditions requiring intensive monitoring
• Unsafe home environment
• Previous failed attempts at outpatient treatment

Duration: Typically 30, 60, or 90 days

Cost without insurance:

• 30 days: $15,000 – $50,000
• 60 days: $30,000 – $100,000
• 90 days: $45,000 – $150,000

Cost with PPO insurance (Aetna, Cigna, UnitedHealthcare):

• 30 days: $6,000 – $22,000 out-of-pocket
• Typically covers 60-80% after deductible
• See Aetna rehab coverage, Cigna coverage, or UnitedHealthcare coverage

What’s included:

• Medical detox (if needed)
• Individual therapy (multiple sessions per week)
• Group therapy (daily)
• Medication-assisted treatment
• Medical monitoring
• Housing and meals
• Life skills training
• Discharge planning

Partial Hospitalization Program (PHP)

What it is: Intensive day treatment 6+ hours per day, 5-7 days per week. You return home each evening.

When it’s needed:

• Step-down from inpatient treatment
• Need for intensive treatment but have stable housing
• Medical issues requiring frequent monitoring but not 24/7 supervision

Duration: Typically 2-4 weeks

Cost without insurance:

• Per day: $200 – $650
• 30 days: $6,000 – $20,000

Cost with insurance:

• Per day: $75 – $350 out-of-pocket
• 30 days: $2,500 – $10,000 out-of-pocket

What’s included:

• Individual therapy
• Group therapy
• Medication management
• Some programs include meals

Intensive Outpatient Program (IOP)

What it is: Structured treatment 3-5 days per week, 3-4 hours per day. You live at home and continue work or school.

When it’s needed:

• Step-down from PHP or inpatient
• Moderate substance use disorder with good support system
• Primary treatment for individuals with work/family obligations

Duration: Typically 8-12 weeks

Cost without insurance:

• Per session: $100 – $350
• Monthly: $3,000 – $10,000

Cost with insurance:

• Per session: $30 – $150 out-of-pocket
• Monthly: $1,200 – $5,000 out-of-pocket

What’s included:

• Group therapy (primary modality)
• Individual therapy (1-2 sessions per week)
• Drug testing
• Care coordination

Standard Outpatient Therapy

What it is: Individual or group therapy 1-2 times per week.

When it’s needed:

• Ongoing support after completing PHP or IOP
• Mild substance use disorder
• Maintenance phase of recovery

Duration: Ongoing (months to years)

Cost without insurance:

• Individual therapy: $100 – $200 per session
• Group therapy: $40 – $100 per session

Cost with insurance:

• Individual therapy: $30 – $75 copay
• Group therapy: $15 – $40 copay

Learn more about types of rehab programs and which level of care is appropriate for different situations.

Cost by Substance Type

The specific substance you’re seeking treatment for significantly affects costs, primarily due to differences in medical detox requirements:

Opioid Treatment (Heroin, Fentanyl, Prescription Painkillers)

Detox duration: 5-10 days (longer for fentanyl) MAT available: Yes (highly recommended)

Costs:

• Detox: $2,000 – $8,000 (fentanyl on higher end)
• 30-day inpatient: $18,000 – $55,000 without insurance; $7,500 – $22,000 with insurance
• Monthly MAT: $350 – $600 without insurance; $50 – $250 with insurance

Why costs vary: Fentanyl treatment requires longer detox (7-10 days vs. 5-7 for other opioids) and specialized MAT induction protocols, increasing costs 10-20%.

Related: Opioid rehab cost, Heroin rehab cost

Alcohol Treatment

Detox duration: 5-7 days MAT available: Yes

Costs:

• Detox: $1,750 – $5,600 without insurance
• 30-day inpatient: $15,000 – $45,000 without insurance; $6,000 – $18,000 with insurance
• Monthly MAT: $200 – $800 without insurance; $25 – $200 with insurance

Why costs vary: Alcohol withdrawal can be life-threatening, requiring intensive medical monitoring. Similar to benzodiazepines, alcohol withdrawal requires careful medical supervision, but detox is shorter than benzos.

Related: Alcohol rehab cost

Benzodiazepine Treatment

Detox duration: 10-14+ days (can take weeks or months for complete taper) MAT available: No

Costs:

• Detox: $3,500 – $12,000+ without insurance (longest detox requirement)
• 30-day inpatient: $16,000 – $52,000 without insurance; $7,000 – $22,000 with insurance

Why costs are higher: Benzodiazepine detox requires the longest medical supervision due to gradual tapering protocols. Abrupt cessation can cause seizures, so slow, medically supervised tapers over 10-14+ days drive costs higher than other substances.

Stimulant Treatment (Cocaine, Methamphetamine)

Detox duration: 3-10 days (stabilization, not medically dangerous) MAT available: No

Costs:

• Stabilization: $1,200 – $5,500 without insurance
• 30-day inpatient: $14,000 – $45,000 without insurance; $5,500 – $18,000 with insurance

Why costs are lower: Stimulant withdrawal isn’t medically dangerous (unlike alcohol/benzos) and there are no FDA-approved MAT medications, so costs focus on behavioral therapy rather than intensive medical management.

Related: Cocaine rehab cost, Meth rehab cost

Marijuana/Cannabis Treatment

Detox duration: 3-7 days (stabilization) MAT available: No

Costs:

• Stabilization: $800 – $2,500 without insurance
• 30-day inpatient: $11,000 – $35,000 without insurance; $4,500 – $15,000 with insurance

Why costs are lower: Cannabis withdrawal is not medically dangerous, requires shorter stabilization periods, and has no MAT medications. Treatment focuses primarily on behavioral therapies.

Related: Marijuana rehab cost

Cost by Program Length

Treatment duration is the second-largest cost driver after level of care:

30-Day Programs

Most common duration — Standard minimum recommended by most clinicians

Best for:

• First treatment attempt
• Mild to moderate substance use disorder
• Strong family and community support system
• Ability to transition to IOP after residential care

Costs:

• Without insurance: $15,000 – $50,000
• With PPO insurance: $6,000 – $22,000 out-of-pocket
• With Medicaid: $0 – $100

60-Day Programs

Extended care — Better outcomes for moderate to severe SUD

Best for:

• Moderate to severe substance use disorder
• Co-occurring mental health conditions
• Previous treatment attempts that didn’t result in sustained recovery
• Limited support system at home

Costs:

• Without insurance: $30,000 – $100,000
• With PPO insurance: $12,000 – $44,000 out-of-pocket (often hits out-of-pocket maximum)
• With Medicaid: $0 – $200

90+ Day Programs

Long-term treatment — Research shows best outcomes

Best for:

• Severe substance use disorder
• Multiple prior treatment attempts
• Fentanyl or methamphetamine use (NIDA recommends 90+ days)
• Complex co-occurring conditions
• Minimal recovery support at home

Costs:

• Without insurance: $45,000 – $150,000+
• With PPO insurance: Often hits out-of-pocket maximum within first 30-45 days, then $0
• With Medicaid: $0 – $300

Important note: The National Institute on Drug Abuse (NIDA) research shows that 90 days or longer of treatment produces significantly better outcomes than shorter programs. While 30-day programs are common due to insurance authorization practices, they represent the minimum, not the ideal.

Insurance vs. Out-of-Pocket Costs

The single biggest factor determining your out-of-pocket cost is whether you have insurance and what type:

With PPO Insurance (Aetna, Cigna, UnitedHealthcare, BCBS)

How it works:

1. You pay your deductible first (typically $1,500-$3,500 for individuals)
2. Insurance pays 60-80% of remaining costs, you pay 20-40%
3. Once you reach out-of-pocket maximum ($7,000-$9,500 typically), insurance pays 100%

Example 30-day program:

• Facility negotiated rate: $35,000
• You’ve met $0 of deductible
• You pay: $2,000 (deductible) + 20% of $33,000 ($6,600) = $8,600
• But: Capped at your out-of-pocket max (e.g., $8,700)

Carrier-specific details:

• Aetna rehab coverage — 1,800+ contracted facilities
• Blue Cross Blue Shield coverage — Varies by state company
• Cigna rehab coverage — 1,900+ facilities via Evernorth
• UnitedHealthcare coverage — Largest network (2,200+ facilities via Optum)

With HMO/EPO Insurance

How it works:

• Must stay in-network (no out-of-network coverage)
• Often lower deductibles and out-of-pocket maximums than PPO
• May require referrals from primary care physician

Out-of-pocket for 30-day program: Typically $5,000-$17,000

Examples:

• Kaiser Permanente — Integrated HMO model, copay-based, typically $3,000-$8,000 for 30 days
• Humana HMO — Regional networks

With Medicaid (Molina, State Plans)

How it works:

• Income-based eligibility
• Comprehensive coverage with minimal cost-sharing
• Must use in-network providers

Out-of-pocket for 30-day program: Typically $0-$100

Molina Medicaid coverage operates in 15 states with extensive addiction treatment benefits.

With Medicare Advantage

How it works:

• For individuals 65+ or with qualifying disability
• Often uses copay structures instead of deductibles
• Example: $350/day for days 1-5, then $0

Out-of-pocket for 30-day program: Typically $2,000-$12,000

Humana Medicare Advantage has strong behavioral health benefits.

Without Insurance

Self-pay costs:

• 30-day inpatient: $15,000 – $50,000
• Medical detox: $1,500 – $8,000 additional
• Total with detox: $16,500 – $58,000

Important consideration: Monthly premiums for PPO insurance cost $400-$800. Even if you pay premiums for 3-6 months before entering treatment, it’s often dramatically cheaper than self-pay.

Learn more: Does insurance cover rehab?

Additional Cost Factors

Beyond the primary factors above, several other elements affect treatment costs:

Facility Type and Amenities

Standard accredited facilities: Costs reflected in tables above

Luxury/Executive rehab:

• Private rooms, gourmet meals, resort-like amenities
• Additional therapies (equine, art, adventure)
• Higher staff-to-client ratios
• Costs: $40,000 – $100,000+ for 30 days
• Insurance may cover standard rate, you pay difference

Geographic Location

High-cost areas: California, Northeast, Hawaii

• Costs 15-30% higher than national average

Lower-cost areas: Midwest, South, rural areas

• Costs 10-20% below national average

Out-of-state treatment: PPO plans typically cover nationwide with no cost difference if facility is in-network.

Dual Diagnosis Treatment

What it is: Treatment for co-occurring substance use disorder and mental health conditions

Cost impact: Adds 10-20% to standard treatment costs due to:

• Psychiatric care
• Additional medications
• Specialized therapies
• Extended length of stay often needed

Medication-Assisted Treatment (MAT)

Ongoing costs after residential treatment:

Medication	Monthly Cost (No Insurance)	Monthly Cost (Insured)
Generic buprenorphine	$150 – $350	$10 – $75
Brand Suboxone	$400 – $600	$25 – $150
Sublocade injection	$1,600 – $1,800	$50 – $300
Methadone (OTP)	$300 – $500	$50 – $200
Vivitrol injection	$1,200 – $1,500	$50 – $250

Duration: NIDA recommends minimum 12-24 months; many individuals remain on MAT indefinitely.

Lifetime cost consideration: While MAT adds ongoing costs, research shows it reduces overall healthcare costs by preventing overdose, emergency department visits, and criminal justice involvement.

How to Reduce Rehab Costs

If you’re concerned about costs, several strategies can help:

1. Use Insurance

Most effective strategy. Even paying insurance premiums for several months before treatment is typically cheaper than self-pay.

If you don’t have insurance:

• ACA marketplace enrollment (during open enrollment or qualifying life event)
• Check Medicaid eligibility (income up to 138% FPL in expansion states)
• COBRA continuation from former employer

2. Choose In-Network Facilities

Out-of-network treatment can cost 2-3x more out-of-pocket due to:

• Higher deductibles
• Lower reimbursement rates (50-60% vs. 70-80%)
• Balance billing (facility bills you for difference)

3. Negotiate and Ask About Financial Assistance

Many facilities offer:

• Sliding-scale fees based on income
• Payment plans (6-24 months)
• Scholarships or grants for uninsured individuals
• Upfront payment discounts (5-15% off)

4. Step-Down Appropriately

Don’t stay at higher (more expensive) levels of care longer than medically necessary:

• Inpatient → PHP → IOP → Outpatient saves money while maintaining support
• Insurance concurrent reviews ensure appropriate level of care

5. Consider State-Funded Treatment

Most states offer some state-funded treatment options for uninsured individuals:

• Community mental health centers
• County substance abuse programs
• State-operated facilities

Costs are based on sliding scale or free. However, these programs often have waitlists and fewer amenities than private facilities.

Is Rehab Worth the Cost?

The cost of addiction treatment must be weighed against the cost of active addiction:

Financial Costs of Untreated Addiction

Healthcare:

• Emergency department visits: $1,500 – $3,000 each
• Hospitalizations for overdose: $10,000 – $50,000+
• Treatment of addiction-related medical conditions

Lost income:

• Job loss or reduced earning capacity
• Disability
• Inability to maintain employment

Legal costs:

• DUI/DWI: $10,000 – $25,000 (legal fees, fines, increased insurance)
• Drug-related arrests: $5,000 – $50,000+
• Incarceration: Lost wages, legal costs

Substance costs:

• Heroin/fentanyl: $50 – $200+ per day
• Cocaine: $50 – $300+ per day
• Alcohol: $20 – $100+ per day

Annual substance costs alone can exceed $18,000 – $100,000 for severe addiction.

Human Costs

Beyond finances:

• Family relationships
• Physical health
• Mental health
• Quality of life
• Risk of overdose death

The overdose epidemic has claimed over 100,000 American lives annually in recent years. Treatment is not just a financial investment — it’s life-saving.

What’s Included in Rehab Costs

Understanding what you’re paying for helps contextualize costs:

Medical Services

• 24/7 nursing care (inpatient)
• Physician oversight
• Medical detox management
• Medication-assisted treatment
• Psychiatric care for co-occurring conditions
• Emergency medical response capability

Clinical Services

• Individual therapy (multiple sessions per week)
• Group therapy (daily)
• Family therapy
• Evidence-based behavioral therapies (CBT, DBT, motivational interviewing, contingency management)
• Relapse prevention training
• Discharge and aftercare planning

Support Services

• Housing (inpatient)
• Meals (inpatient, some PHP programs)
• Transportation (some programs)
• Case management
• Peer support
• Life skills training

Facility Operations

• Licensed, accredited facilities
• Trained, credentialed staff
• Liability insurance
• Regulatory compliance
• Quality improvement programs

Next Steps: Calculate Your Costs

Your actual out-of-pocket costs depend on your specific situation:

1. Determine which substance you’re seeking treatment for
2. Assess which level of care you need (inpatient vs. outpatient)
3. Review your insurance coverage (or lack thereof)
4. Contact facilities for benefits verification
5. Use our calculator to estimate your costs

If you don’t have insurance, explore options:

• Medicaid eligibility
• ACA marketplace plans
• Facility financial assistance programs

A licensed insurance specialist can help you understand coverage options and find plans that cover the treatment you need.

Sources

• National Institute on Drug Abuse (NIDA). “Principles of Drug Addiction Treatment: A Research-Based Guide.” 2024.
• Substance Abuse and Mental Health Services Administration (SAMHSA). “National Survey of Substance Abuse Treatment Services (N-SSATS).” 2024.
• National Center on Addiction and Substance Abuse (CASA). “Treatment Costs and Benefits Analysis.” 2024.
• Healthcare.gov. “Mental Health and Substance Use Disorder Coverage.” 2026.
• Kaiser Family Foundation. “Health Insurance Coverage and Costs.” 2025.