When it comes to seeking addiction treatment, one of the biggest concerns is often the cost. This is especially true in cities like New Jersey, where the cost of living can be high. Understanding the rehab cost in New Jersey can be overwhelming and costs vary considerably.
Whether you’re exploring options for yourself or a loved one, getting a clear picture of what you can expect financially is crucial to planning recovery.
This guide will provide a general answer to how much rehab costs or at least give you a better idea of what you might pay.
How Much Does Rehab Cost in General?
There’s no specific answer to how much rehab costs, but some factors are especially relevant.
Treatment at rehab facilities can range from a few thousand to tens of thousands of dollars.
Detoxification programs can range from $1,500 to $5,000 or more for 5-7 days. During detox, which is often the first step in the rehab process, there is medical supervision and treatment provided as needed. The complexity of withdrawal symptoms and the length of the program play a big role in costs.
Inpatient or residential rehab includes room and board and onsite living. These programs are the most structured and intensive. Costs can range from $6,000 to $30,000 for a 30-day program. Luxury rehab programs can be upwards of $60,000. Inpatient programs can last for 30, 60 or 90 days commonly, and costs include accommodation, meals, therapy, medical care and access to amenities.
Outpatient rehab can be $5,000 to $10,000 for a 90-day program, and during this type of treatment, you live at home while you attend treatment sessions during the day or evening. In most cases, the programs are less expensive than inpatient care but still provide access to support and therapy.
Partial hospitalization programs can range from $7,000 to $20,000 a month, and they’re more intensive than outpatient rehab but less so than an inpatient program. During a PHP, patients receive day treatment and can return home or to sober living in the evening.
These are very general estimates, and specifically, factors that affect the cost of rehab include:
- Level of care: The intensity and type of care needed will significantly impact the cost. Inpatient programs are usually more expensive because of the 24/7 care and accommodation provided, while outpatient programs are generally more affordable.
- Location: Rehab centers in urban areas like New Jersey tend to have higher rates because of factors like the cost of living, demand for services and availability of luxury amenities. While facilities in rural locations might have lower prices, they could lack certain conveniences.
- Treatment duration: Longer stays tend to cost more but also offer better outcomes, especially for individuals with severe or long-standing addiction issues.
- Amenities and luxury services: A luxury rehab center will offer high-end amenities like gourmet meals and holistic therapies, significantly increasing the cost of treatment.
- Specialized therapies: If a center offers specialized therapy approaches, they may increase the overall cost and deliver a more comprehensive treatment experience.
Each program will have its own features and benefits catering to different stages of the recovery journey.
What Are the Costs of Rehab in New Jersey?
In New Jersey, rehab costs tend to be higher than in other locations because of the higher cost of living. There’s also a high demand for addiction treatment services in the city since it is a major metropolitan area.
New Jersey is home to many luxury rehab centers, and the area’s climate, beaches, and overall lifestyle appeal to many people seeking recovery.
While rehab costs in New Jersey can be higher, there is also a wider range of treatment options.
Does Insurance Cover Rehab?
Insurance often covers rehab. Most private health insurance plans offer some level of coverage for addiction treatment. This might include detox, inpatient rehab, outpatient programs and aftercare. The extent of coverage depends on the plan, including co-pays, deductibles and network providers.
Medicaid and Medicare also offer coverage for addiction treatment, as does TRICARE military insurance.
Some of the factors influencing insurance coverage for addiction treatment services include:
- In-network vs. out-of-network: Insurance companies will often have networks of approved providers. If you use an in-network provider, it can result in lower out-of-pocket costs. Going out-of-network might still mean you have coverage but at a higher price.
- Treatment type: Insurance can cover broad care levels, but some plans may prioritize one kind of treatment over another or limit the duration of a stay.
- Preauthorization: Some insurance plans require preauthorization or a primary care provider referral before covering rehab costs.
- Coverage duration: As mentioned, insurance plans will often have limits on the length of stay they’ll cover for inpatient rehab.
- Exclusions and limitations: Some plans will have exclusions or limitations, such as not covering certain facilities or types of therapy.
You can contact your provider directly if you have insurance and want to determine your coverage. You can also contact our rehab center, and we can help verify your benefits and work with your insurance provider to determine coverage.
The rehab cost is a significant investment but yields life-changing and even life-saving benefits.
Addiction takes a severe toll on both physical and mental health. Rehab provides the necessary treatment to help individuals recover and reduce the risk of long-term health complications. The cost of rehab is small in comparison to the potential long-term medical expenses that come from untreated addiction.
Rehab programs provide the tools and support needed for long-term sobriety, including therapy, education and aftercare planning. Investing in rehab can prevent legal issues, job loss and financial ruin, dramatically improving quality of life.
Along with insurance coverage, other flexible payment options, such as payment plans and financing, can help you get treatment.
Contact New Jersey Behavioral Healthcare to explore the treatment options available to you or a loved one and take the next steps.