Massachusetts Center for Addiction

Paying for Rehab in Massachusetts

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“Can we afford this?” is often the first question families ask. The answer is rarely simple, but we believe it should be transparent.

At Massachusetts Center for Addiction, we want to remove the financial confusion so you can focus on what matters: saving a life. Whether you are using private insurance, looking into self-pay options, or trying to understand your deductible, this guide will break down exactly how payment works at our facility.

Accepted Insurance Providers

We work with most major private insurance carriers to minimize your out-of-pocket costs. Our admissions team handles the entire utilization review process for you—meaning we fight for the coverage you are owed.

We are In-Network / Work With:

  • Blue Cross Blue Shield of Massachusetts
  • Tufts Health Plan
  • Harvard Pilgrim Health Care
  • Aetna
  • Cigna
  • UnitedHealthcare
  • Many Others

Verify My Insurance

Important Note on MassHealth: We are a private treatment facility and do not currently accept MassHealth (Medicaid) or Medicare. If you have MassHealth and need treatment, we recommend calling the Massachusetts Substance Use Helpline at 800-327-5050 to find a state-funded provider.

Understanding the “Real” Cost of Rehab

If you Google “cost of rehab,” you will see a range from $6,000 to $60,000. These numbers can be terrifying, but they are often the “sticker price” for those without insurance.

If You Have Private Insurance: Your cost is determined by your specific policy, not the full sticker price. You are typically responsible for:

  • Deductible: The amount you pay before insurance kicks in (e.g., the first $2,000).
  • Co-Pay/Coinsurance: A daily rate or percentage after the deductible is met.
  • Out-of-Pocket Maximum: Once you hit this limit (e.g., $5,000/year), your insurance pays 100% of covered services.

If You Are Self-Pay: For families without insurance, or those who prefer total privacy, we offer competitive self-pay rates.

  • Detox: Generally ranges from $600 – $1,000 per day (inclusive of medical oversight).
  • Residential/IOP: Please contact our admissions team for our current self-pay packages.

How We Help With the Cost

Navigating insurance claims while in a crisis is overwhelming. Our Case Management team handles the financial logistics for you.

  1. Free Benefit Verification: Before you even commit to coming here, we will call your insurance company to get a quote of exactly what you will owe. No surprises.
  2. Utilization Review: Insurance companies often review coverage every few days. Our clinical team provides them with the medical necessity data needed to authorize longer stays.
  3. Financial Planning: If you have a high deductible, we can discuss payment plan options or financing resources to make the cost manageable.

The Affordable Care Act & Your Rights

You cannot be denied coverage for addiction. Under the Affordable Care Act (ACA), substance use disorder treatment is classified as an Essential Health Benefit.

  • No Pre-Existing Condition Denials: Insurers cannot refuse to cover you because of a history of addiction.
  • Parity Laws: Insurance limitations on mental health/addiction care cannot be stricter than those for physical medical/surgical care.

Get a Free Financial Review

Don’t let the fear of cost stop you from making the call. Our verification process is free, confidential, and takes less than 10 minutes.

Call our Admissions Team at 844-486-0671, or fill out our secure insurance verification form.

FAQ About Paying for Rehab

Do you accept MassHealth (Medicaid) or Medicare? No, we are a private treatment facility and do not accept MassHealth or Medicare. However, we believe everyone deserves care. If you have state insurance, we strongly recommend calling the Massachusetts Substance Use Helpline at 800-327-5050 to find a high-quality provider in your network.

The cost varies depending on the level of care (Detox vs. Residential) and the length of stay. While we do not publish a generic flat rate, self-pay for medical detox generally ranges between $600 and $1,000 per day. Please call our admissions team for a specific quote tailored to your needs.

We take patient privacy seriously. While the policyholder (e.g., a parent or spouse) may receive an “Explanation of Benefits” (EOB) letter from the insurance company, we are bound by HIPAA and 42 CFR Part 2 laws. We will never share your medical details or clinical progress with anyone—including family—without your written consent.

We understand that a $2,000 or $5,000 deductible is a large unplanned expense. In many cases, we can offer payment plans that allow you to spread that cost over time, so you can focus on getting healthy now and handle the finances later.

Insurance typically covers the medical and clinical necessity of treatment (nursing, therapy, and room and board). It usually does not cover “luxury” add-ons such as private suites or massage therapy. Our admissions team can explain exactly what is covered by your plan and what would be an out-of-pocket upgrade.