Free Tool

Rehab Cost Calculator

Choose a level of care, length, and payment method to see realistic cost ranges — including what insured families typically actually pay, which is usually far less than billed rates.

How these estimates work: ranges reflect typical published U.S. market rates and vary widely by state, amenities, and facility. Insurance figures show typical patient responsibility (deductibles, coinsurance, copays up to out-of-pocket maximums), not billed charges — your plan's specifics control. Medicaid/Medicare estimates assume covered services at participating facilities. Always verify benefits with the facility before admission; every reputable center does this free.

Why the ranges are so wide — and how to narrow yours

Treatment pricing has three layers: the facility's billed rate (the scary sticker number), the insurance-negotiated rate (often 40–70% lower), and your actual responsibility (bounded by your plan's deductible and out-of-pocket maximum — the number that matters most). A $30,000 residential month can cost an insured family $2,500 if their out-of-pocket max is $2,500. That's why the single highest-value call you can make is a benefits verification: give a facility your insurance card details and they'll return your real numbers, free, usually within hours.

Paying without insurance? Ask every facility three questions: the self-pay cash rate (routinely 30–50% below billed rates), whether scholarship beds or sliding scale exist, and about state-funded options via SAMHSA at 1-800-662-4357. Our guide to paying for rehab without insurance covers the full playbook, and the directory lists facilities by state with accepted payment types.

If substance use is a struggle for you or someone you love: call SAMHSA's free 24/7 helpline at 1-800-662-4357, search 18,215 treatment facilities, or take a free assessment.