Five Financial Considerations When Seeking Treatment

Seeking treatment for addiction is a big step. Although everyone has different needs, cost plays a major role when considering different programs.

Having a clear understanding of the financial obligations will assist in not only deciding which program to choose, but also the duration of the program.

Here are five things to consider:

Detoxification Phase

Every detoxification program is based on the severity of the addiction and type of substance used. For more extreme cases, there are additional medical issues that must be addressed.

There are a number of protocols used for both drugs and alcohol, most include:

  • Medications
  • Holistic treatments
  • Nutritious meals

Duration of Treatment

The duration of treatment varies based on the type of addiction, the client, and their specific needs. There are psychological and physical symptoms that must be treated.

The amount of time needed will increase based on the severity of the addiction and any other underlying issues. Drug and alcohol treatment programs have an average duration of one month to 90 days, but can last for more than a year. The variables of the duration vary on a case-by-case basis.


Insurance companies may or may not cover services such as detoxification, outpatient, inpatient, or residential treatment. It all depends on the type of policy an individual has. Addiction is sometimes viewed as an incurable or recurring disease, and insurance companies sometimes may not want to provide coverage.

Most treatment facilities have medical insurance partners they work with on a regular basis. Some facilities are in-network and others are out-of-network depending on the insurance provider. Since addiction is a medical disease, insurance providers may cover all or part of your treatment, but it is best to check with your provider to make sure.

In the event you are not covered, facilities usually have self-pay options and may arrange payment plans.

External Factors

  • What will be the repercussions of not seeking treatment?
  • Is your job in jeopardy?
  • Will your health suffer?
  • What about your relationships?
  • Are you legally bound to seek treatment?

Although these are added stressors, they are valid points to consider. If any of these scenarios are a part of your decision, you can’t afford to take the risk of not following through. While it may pose a short-term financial hardship, there is just too much at stake.


Once you have all the information you need, you can make an educated decision about which type program will meet your needs. It is important to consider your finances, especially if your insurance will not cover the costs.

Do your research. Contact your insurance provider to learn about your benefits. Research different treatment programs, the duration of their programs, and the costs associated with the services they provide.

Once you have this information, you will be better equipped to determine a plan of action to move forward.

At Alternatives in Treatment, we are in-network with over 30 insurance providers. Contact us today to learn about your options.