How Much Does Inpatient Opiate Rehab Cost?

Self-pay rates for inpatient opiate rehab in the United States typically run $500 to $2,000 per day. With commercial insurance, most patients pay only their deductible and coinsurance — usually $1,500 to $9,000 total for a 30-day stay. Here is a complete breakdown by length of stay, facility tier, and how to lower out-of-pocket cost.

Self-Pay Cost Ranges (2025)

The numbers below reflect typical published self-pay rates at licensed inpatient opioid treatment facilities. Actual costs vary by region, facility tier, length of stay, and the level of medical care required during detox.

Program Length	Standard Facility	Premium Facility	Luxury / Executive
7-day detox only	$4,000–$10,000	$8,000–$15,000	$12,000–$25,000
28–30 days	$15,000–$30,000	$30,000–$50,000	$40,000–$80,000
60 days	$25,000–$50,000	$45,000–$80,000	$70,000–$140,000
90 days	$30,000–$70,000	$60,000–$110,000	$90,000–$200,000+

Source: Aggregated published rates from licensed inpatient addiction treatment providers, 2025. Insurance contracts typically negotiate lower per-diem rates than these published self-pay numbers.

What's Included in the Daily Rate

The published per-diem rate at most inpatient opiate facilities includes all of the following bundled into a single daily charge:

• Room and board (private or shared)
• 24-hour nursing and medical monitoring
• Physician and psychiatrist services
• Detox medications including buprenorphine
• Individual therapy sessions
• Group therapy programming
• Family programming (where offered)
• Medication-assisted treatment
• Discharge planning and case management
• Drug testing and laboratory work

Some facilities bill detox separately from residential treatment, with detox at a higher per-diem rate (because of the higher acuity nursing required) and residential at a lower rate. Others bundle the entire stay into one rate. Either way, the total cost for a typical 30-day stay falls in the ranges above.

Insurance Cost vs. Self-Pay Cost

The single largest factor in what you pay is whether you use insurance. The federal Mental Health Parity and Addiction Equity Act requires most commercial plans to cover inpatient substance use treatment at the same level as medical care. With insurance, the patient cost looks like this for a typical 30-day stay:

Cost Element	Self-Pay	With Mid-Range Insurance
30-day inpatient stay (billed)	$25,000	$25,000
Insurance contracted rate	—	~$15,000 (negotiated)
Patient deductible	—	$2,000
Patient coinsurance (20% after deductible)	—	$2,600
Subtotal patient owes	$25,000	$4,600
Capped by out-of-pocket max	—	$4,600 (under $9,200 cap)
Total patient cost	$25,000	$4,600

This is a representative example, not a quote — every plan and every facility is different. The point is that using insurance typically reduces out-of-pocket cost by 70–90% compared to self-pay. Read our complete insurance coverage guide →

What Affects Cost

Length of Stay

Cost scales roughly linearly with length. A 60-day stay is approximately 1.7× a 30-day stay, and a 90-day stay is approximately 2.3× a 30-day stay. With insurance, the marginal cost of additional weeks is much smaller — once the patient hits their out-of-pocket maximum, the plan pays 100% of in-network covered services for the rest of the calendar year.

Facility Tier

Facilities range from clinically focused programs in modest residential settings ($500–$800/day self-pay) to premium facilities with private rooms, fitness amenities, and integrated holistic programming ($1,000–$2,000/day) to luxury and executive programs with hotel-grade accommodations, 1:1 staffing, and amenities like equine therapy or chef-prepared meals ($2,000–$3,000+/day). Clinical outcomes are not strictly proportional to price — clinical evidence supports the idea that program quality, length of stay, and aftercare matter more than amenities.

Detox Acuity

Patients with higher medical acuity at admission — significant polysubstance use, co-occurring medical conditions, pregnancy, or severe withdrawal — may be admitted to a hospital-based detox unit (ASAM Level 4) for the first phase of treatment, which costs more than non-hospital residential detox. Once the patient is medically stable, they transfer to the residential rehab phase.

Region

Coastal urban markets (Los Angeles, the Bay Area, New York metro, South Florida) tend to have higher per-diem rates than the Midwest, Mountain West, or rural Southeast. National PPO insurance networks usually include in-network facilities across regions, so patients are not limited to high-cost markets.

How to Lower Your Out-of-Pocket Cost

1. Use your insurance. The single biggest cost lever. Verification is free.
2. Choose an in-network facility. In-network rates are typically 40–60% lower than out-of-network rates, and your coinsurance share is also lower.
3. Time admission strategically if possible. If you have already met your deductible for the year due to prior medical care, the cost of admission is significantly lower.
4. Use HSA or FSA funds. Inpatient addiction treatment is a qualified medical expense for both Health Savings Accounts and Flexible Spending Accounts.
5. Ask about payment plans. Most facilities offer in-house payment plans, and third-party medical lending (Prosper Healthcare, My Treatment Lender) is widely available.
6. Take FMLA leave. The Family and Medical Leave Act protects eligible employees during inpatient treatment, which preserves income and employer health insurance during the stay.

Frequently Asked Questions

How much does a 7 day rehab cost?

There is no standard 7-day inpatient rehab program, because that length is shorter than the medical detox phase typically lasts and doesn't include residential treatment. The closest equivalent is a 7-day inpatient detox-only stay, which typically lists at $4,000–$10,000 self-pay or several hundred dollars after insurance. Most clinicians recommend against detox-only programs for opioid users because relapse and overdose risk is highest in the days after detox without continuing residential care.

How much is 28 days in rehab?

A standard 28- to 30-day inpatient opiate rehab program costs $15,000 to $30,000 self-pay at a mid-range facility, $30,000 to $50,000 at a premium facility, and $40,000 to $80,000+ at a luxury or executive program. With commercial insurance, most patients pay only their deductible plus coinsurance — typically $1,500 to $9,000 total — because the out-of-pocket maximum on most plans is reached during a 30-day stay.

Who pays for inpatient rehab?

Most inpatient opioid treatment in the United States is paid for by a combination of commercial health insurance (the largest source for working-age adults), Medicare for older adults, Medicaid for low-income patients, the Department of Veterans Affairs for veterans, and self-pay or family financing for the remainder. For adults with private insurance through an employer or the marketplace, the federal Mental Health Parity and Addiction Equity Act requires plans to cover inpatient substance use treatment at parity with medical and surgical care.

Why is rehab so expensive?

Inpatient opioid treatment is expensive for the same reasons hospital-based care is expensive: 24-hour licensed nursing, on-call physician coverage, a multidisciplinary clinical team (counselors, psychiatrist, case managers), prescription medications including buprenorphine, room and board, food service, regulatory compliance, and the malpractice insurance and licensing required of accredited addiction treatment facilities. The published self-pay price reflects all of these costs. Insurance contracts negotiate lower per-diem rates than the published self-pay rate, which is one reason using insurance is almost always cheaper than paying the sticker price.

Can I finance inpatient rehab?

Yes. Many facilities offer in-house payment plans, third-party medical loans through providers like Prosper Healthcare Lending or My Treatment Lender, and some accept HSA/FSA funds. Family financing is also common — parents, spouses, or adult children paying for treatment is one of the most frequent funding sources for inpatient opioid care. Our placement specialists can walk you through the options at facilities in our directory.