One of the things people worry about when getting help for drug and alcohol abuse is the cost of rehab. Residential rehab is expensive, but there are plenty of different price points. Many facilities accept health insurance. If you have to pay for rehab yourself, you may be able to deduct the expenses, subject to certain limitations.
The Price of Rehab
How much rehab costs depends on location, facility amenities, the number of staff members and services provided. Some rehab centers charge monthly fees in excess of $100,000 per month and do not accept insurance. Others cost $10,000 per month and do accept insurance. The majority of residential rehab centers fall somewhere in the middle, which gives you a wide range of programs and facilities to choose from.
Although a beautiful location and private accommodations are costly to provide, the services you receive in rehab are even more expensive. Many rehab center care providers lead multiple one-on-one therapy sessions every day. Nutrition, activities and fitness are important in recovery, but they are often expensive. Detox can be extremely expensive because of required staffing and medicine. Imagine what you might pay for multiple one-on-one treatments per day while staying in a hotel with gourmet food and incredible activities — after one month, the total would be at least $10,000.
Don’t Let the Price of Rehab Keep You From Getting Help
Although price will and should be a factor in your decision, don’t let cost keep you from getting the help you need. You have options, and none are as expensive as continuing to drink or use drugs. If you’re not convinced, compare the cost of using to the cost of getting help and you’ll see why your rehabilitation center expenses offer better value than you may have considered. Don’t only consider what you spend buying drugs or alcohol. Also consider the missed financial opportunities you suffer when you focus more on using than on earning or saving money.
For example, imagine you continue using. Add all the expenses you incur as a result of addiction. It’s much more than whatever you pay to buy drugs or drink alcohol. The associated costs add up fast, and maybe even faster than what you spend on substances. Consider:
- How much you spend every week buying drugs and/or alcohol. If you’re not sure, keep your receipts and credit card statements. Don’t forget to include what you spend in cash.
- How much you spend on hospital visits or trips to the doctor due to problems related to drinking or using drugs.
- How much you spend on legal fees related to charges such as DUI or other crimes you committed while using. Include legal problems related to domestic violence, assault and theft — even if they don’t seem related to using.
- How much you would have earned at work if you hadn’t taken unpaid leave. If you subscribe to the myth of the “functioning” addict, consider lost wages from missed promotions and other business opportunities. When you use, you cannot give your career the full attention it needs to succeed.
- How much you spent on impulse purchases. Individuals with addiction often make poor and impulsive choices that cost a lot of money — choices you would never make if you were sober.
- How much time you spent thinking about, tracking down or using drugs. One key question to ask yourself is, how much money is your time worth? Could you have spent that time doing something more valuable, perhaps at work or with family, or by investing in yourself?
Now consider how you can spend your time and money resources when you are sober. You can:
- Eliminate wasting money on drugs or alcohol. You will also avoid unnecessary legal fees and healthcare costs.
- Give your career or business the full attention it deserves.
- Get back the valuable time you waste trying to find and use drugs and/or alcohol.
- Feel good in the morning, every single day. You’ll be more productive and satisfied as a result.
- Live a fulfilling lifestyle without the constant burden and expense of drugs and alcohol weighing you down.
- Make sound decisions based on rational thoughts versus costly, spur-of-the-moment impulsivity.
- Regain the priceless value of a good reputation and look yourself in the mirror every single day with pride.
Get Financial Help
Over the last few years, insurance companies have started covering more expenses associated with rehab. Although most plans won’t cover 90 days in a residential treatment center, read your plan to understand your benefits. Your plan may cover a 30-day stay in addition to follow-up counseling and therapy. This means you could pay very little out-of-pocket expenses by enrolling in a rehab center that accepts insurance. Consult your plan documents for more information.
If you prefer to pay cash, remember that the expenses associated with your rehab stay may be tax deductible. This can cut your out-of-pocket costs significantly if you qualify. A tax professional will be able to explain more about your personal situation, but tax deductions may be able to offer a significant discount.
If you plan to take a tax deduction next year but still need to pay your bill now, consider financing. A home equity loan or line of credit may offer tax benefits in addition to the medical deduction. You can also consider applying for an unsecured loan that you can pay back over time. Your rehab center may be able to guide you towards the options that are available.
The Ultimate Benefit of Rehab
The ultimate benefit of going to rehab is priceless: you get your life back. Can you imagine waking up without a hangover? Does spending the weekend relaxing with loved ones instead of using or thinking about using sound right? If so, you’re ready to reclaim your life and kick the habit — for good.
Review our list of Top Rehab Centers in the world, and call a counselor for more information.