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How much does an IOP cost with or without insurance?

Authored By:
Joe Gilmore
Edited By:
Amy Leifeste
Medically Reviewed By:
Javier Rodriguez-Winter

Table of Contents

While there is a typical fee associated with addiction treatment at an Intensive Outpatient Program (IOP), most people use their insurance to cover up to 100% of all treatment costs.

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However, the precise IOP treatment cost varies depending on the specific facility and your unique insurance policy. In general, the cost of IOP can range between $250 and $350 per day.

IOP program costs may also vary based on the treatment center you choose and your insurance policy.

Click here to use our free insurance coverage check if you’re unsure of your coverage.  

This guide explores the following issues:

    • What is intensive outpatient treatment?
    • How much does an IOP cost?
    • How much does IOP cost with insurance?

    Average Cost of Intensive Outpatient Treatment

    Typically following a stay in a detox or inpatient program, an IOP (intensive outpatient treatment) sits midway on the continuum of care for addiction treatment.

    Intensive outpatient rehab cost for drug and alcohol addiction typically falls within the range of $3,000 to $10,000. However, most or all of this cost is typically covered by insurance. 

    Beyond this, there are additional factors that can contribute to reducing the overall IOP treatment cost. Given that IOP participants are not obliged to stay overnight at the facility, they can maintain their independence with minimal disruption to their daily routines. 

    This independence allows  to continue working during the day, preventing a loss of income, as well as attending to family responsibilities, which can lead to savings on childcare expenses (such as babysitters, daycare, and transportation to and from school) or caring for sick or elderly family members, which may include hospice care or in-home caregiving.

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    Does Insurance Cover IOP?

    The first and most fundamental step in financing your treatment is to explore your insurance options. Both private and public or government-funded insurance providers like Medicare and Medicaid typically offer coverage for various mental health and substance abuse services. If there is a recognized medical necessity for participating in an IOP, it is highly likely that your insurance plan will contribute to covering the costs.

    To ensure transparency and prevent any unexpected medical bills, it is advisable to initiate direct communication with your insurance company. Locate the contact number on the back of your insurance card and reach out to them for specific details regarding the extent of coverage for your IOP treatment. Additionally, inquire about the list of treatment providers within their network that can maximize your benefits and minimize your costs.

    For further clarity on financial aspects, you can also contact the IOP programs that you’re considering. Verify whether they accept your insurance and inquire about their procedures for collecting co-payments. Taking these steps will help you navigate the financial aspects of your treatment and make informed decisions regarding your care.

    How Much Is IOP Without Insurance?

    If you do not have insurance coverage or if your insurance plan does not cover IOP treatment, you should consider the out-of-pocket expenses associated with these programs. The cost of IOP without insurance can vary dramatically depending on factors that include:


        • Location: The cost of IOP can differ based on your geographical location. Programs in metropolitan areas may generally be more expensive than those in rural regions.

        • Program duration: The length of the IOP program can influence the overall cost. Longer programs typically incur higher fees.

        • Facility reputation: Reputable and accredited treatment centers may charge more for their services due to the quality of care and expertise they provide.

        • Range of services: Some IOPs offer additional services and amenities, such as specialized therapies, holistic treatments, or comfortable accommodations, which can impact the cost.

        • Individualized treatment: Tailored treatment plans that address your specific needs may require additional resources and, subsequently, result in higher costs.

      Contact the IOP programs you are considering directly to obtain detailed pricing information and inquire about any available financial assistance options or sliding scale fees, which may be based on your income and ability to pay.

      Additionally, some treatment centers may offer payment plans to help people manage the financial burden of IOP. Exploring these options and discussing your financial situation with the treatment facility can provide valuable insights into how to afford IOP treatment without insurance coverage. Remember that investing in your recovery can lead to a healthier and more fulfilling future.

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      Get World-Class Intensive Outpatient Treatment at Renaissance Recovery

      Shortcut your search for the best intensive outpatient treatment in Orange County by reaching out to Renaissance Recovery.

      By choosing outpatient treatment, you can maintain your daily commitments while engaging with evidence-based treatments at our beachside facility in Huntington Beach, CA. Research shows that IOPs can be just as effective as residential rehab for treating many addictions.

      All treatment programs at our luxury rehab deliver individualized treatments that include:


          • Psychotherapy (CBT and DBT) 

          • Individual counseling

          • Group therapy

          • Family therapy

          • Aftercare support

        Call 866.330.9449 today and begin your recovery in Southern California tomorrow.

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        Authored By:
        Joe Gilmore
        Edited By:
        Amy Leifeste
        Medically Reviewed By:
        Javier Rodriguez-Winter

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