Explore private pay and financing options, our admissions team will guide you through your options so you can make a confident, informed decision.
People come to us in very different circumstances. Some have a PPO plan and want to know what it will cover. Others have no insurance or would rather pay out of pocket. Many want to know whether the cost can be spread over time.
Those situations lead to three payment paths. Each has its own first step, and you can begin with whichever feels closest to your situation. You do not need to choose before you call, because our admissions team can compare the paths with you.
That is a common place to start, and you do not need to have it figured out before you reach out. This quick guide shows where most people begin:
Many people use more than one path. Insurance may cover part of treatment while private pay or financing covers the rest.
There is no single price for luxury rehab, because treatment is built around the person receiving it. Two people entering on the same day can have different costs, since their medical needs, length of stay, and coverage may differ.
Level of care: Medical detox, residential treatment, and step-down care are separate stages. A plan that includes more than one stage can change the total.
Length of stay: Many residential stays run 30 to 45 days. Clinicians may recommend 60 or 90 days based on clinical progress, substance use history, and co-occurring conditions.
Clinical needs: Treatment for a co-occurring mental health condition, medication needs, and medical complexity all shape the plan your team builds with you.
Insurance: Whether your plan applies, and how your deductible, copay, and coinsurance work, determines how much of the cost you pay.
Travel and personal arrangements: Flights, private transportation, and companion travel can carry separate costs, which we explain before anything is booked.
For a general reference point, our estimated cash-pay rate for 30 or more days of residential treatment begins at $34,000. That is a base rate and not a quote. The most reliable way to learn what treatment would cost for you is to talk with us directly, and we will go through the factors and payment options that apply to you.
Private pay means you cover the cost of treatment directly instead of billing insurance. Some people have no insurance, some hold a plan we do not accept, and others prefer to handle payment themselves. Your quote is personalized, so you are not guessing from a general price.
Treatment is a major expense, and many people cannot pay it in a single payment. That should not stand between you and care. We can talk with you about ways to spread the cost over time, including options through a third-party financing provider.
Availability, eligibility, and terms differ by provider and by person, so we do not list them on this page. When you call, tell us you would like to explore financing. Our admissions department will explain which options may be available to you and how to get started.
Some people also look at savings in a health savings account (HSA) or flexible spending account (FSA), or at help from family members. Whether HSA or FSA funds can be used for treatment depends on the rules of the account, so check with your plan administrator.
A quoted price is easier to compare when you know what it covers. Whichever payment option you choose, these questions help you understand the full cost:
We provide a cost breakdown before treatment begins, so you can go through these questions with us before you decide. If anything in a quote is unclear, ask us to explain it again.
Calling us is a conversation. Your first call is private and pressure-free, and asking about cost does not commit you to treatment. Here is what to expect:
Your privacy and time matter. Our team discreetly verifies your insurance benefits in just 1–2 minutes, with complete confidentiality and no obligation to enter treatment.
If you have a PPO plan, checking your benefits first gives you the clearest picture of what is left to pay. Verification is free, confidential, and carries no obligation to enter treatment. Share your insurance company, membership ID, date of birth, name, and phone number through the online form, which takes about two minutes, or by phone. Most verifications are completed the same day.
If you have a PPO plan, checking your benefits first gives you the clearest picture of what is left to pay. Verification is free, confidential, and carries no obligation to enter treatment. Share your insurance company, membership ID, date of birth, name, and phone number through the online form, which takes about two minutes, or by phone. Most verifications are completed the same day.
Our admissions team looks at the behavioral health benefits your plan lists, checks whether we are in network, and finds out whether your plan requires prior authorization. You then receive a plain-language written summary with your deductible, copay, and coinsurance, and an estimate of what you may owe after your plan pays.
We work with most PPO plans. If we are out of network with yours, we check whether your plan includes out-of-network benefits that could still apply. Out of network does not automatically mean uncovered, although the share you pay is often higher.
Coverage depends on your specific plan. Verification of benefits is not a guarantee of payment or coverage, and services your insurer denies may become your financial responsibility. We do not accept Medicare or Medicaid, and if that is your coverage, we will talk through the other options available to you. Verifying for someone else? We need their insurance company, member ID, full name, and date of birth.
Coverage depends on your plan. We work with most PPO plans, and our admissions team offers free, confidential benefit verification so you can see what your plan covers and what you may owe before you make a decision.
No. Verification is free, confidential, and creates no obligation to enter treatment. Most verifications are completed the same day, although a plan that requires prior authorization can add time while the insurer reviews the request.
Yes. Private pay lets you cover treatment directly without using insurance. After learning about your needs, admissions provides a personalized quote, and our financial team provides a cost breakdown before treatment begins, so you can review the details first.
We can discuss options for financing treatment through a third-party provider. Terms and eligibility vary by provider and by person, so our admissions department can explain what may be available to you and how to start.
Our travel coordination is complimentary, but airfare, private transportation, and other third-party travel costs may be separate. We explain the expected travel costs before reservations are finalized, so you know what to expect before you commit.
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in less than 2 minutes.
Our experts will review your coverage and help you explore treatment options.
All calls are 100% confidential.
