
Rehabs That Accept Cigna: How to Access Addiction Treatment
Rehabs that accept cigna may cover detox, inpatient, and outpatient care. Learn how to verify benefits and find in network options.
Learn about the cost of residential treatment in California and explore available financial options for mental health and addiction recovery.
Curious about the cost of drug rehab in California? Worried you may not be able to afford it just when you’re ready? For those seeking treatment for substance abuse, cost is certainly a key factor, together with staff qualifications, scope and quality of care, and amenities. Read on to learn more about the factors involved, costs, and payment options.
Going to rehab is a significant investment in your health. The total cost depends on a number of factors. Understand their impact when deciding which facility to attend.
Type and Severity of Addiction
Costs may be higher with more complex or severe addiction, requiring longer, more intensive or specialized care.
Length of Stay
One of the biggest cost factors is the length of treatment. Longer programs (e.g., 60 or 90 days) are more expensive than shorter ones (e.g., 30 days).
Level of Care and Services
Facilities typically charge higher fees for more intensive medical monitoring, more frequent therapy sessions, or specialized dual diagnosis treatment of co-occurring mental health disorders.
Amenities and Facility Type
Those centers featuring luxury amenities such as private rooms, gourmet meals, and a wide array of recreational facilities can cost much more than standard facilities.
Location
Centers in California with higher costs of living, such as the Bay area and Los Angeles, often charge more than those in rural or less expensive parts of the state.
Staff Expertise
Facilities with highly trained medical or therapeutic staff may have higher fees.
Insurance Coverage
If you are covered, the amount paid by insurers has the greatest impact on your costs. And those with little or no coverage need to pay more directly.
California has one of the largest and most diverse addiction treatment systems in the US, including both private and public facilities. More than 82,000 people are treated annually \[1\].
Residential treatment programs in California cost on average $56,654 for a 13-week stay. That’s about $4,358 per week or $624 per day. These figures are just above the national median, providing affordability in many areas in the state. \[2\]
Depending on the facility, medication-assisted treatment (MAT), detox, and sober living may be included in the price or offered as separate programs. Outpatient MAT costs around $7,000, and sober living typically costs $1,500 to $2,000 per month throughout the country. California ranks as the 23rd least expensive state in the US for residential rehab \[3\].
A 30-day addiction treatment program in a hospital may range from $5,000 to $20,000, with a national average of $12,500, depending on the clinic. Without insurance, you would need to pay this full amount.
In California, residential treatment typically includes the following:
There are many financial assistance options. They include state and federal programs, insurance, and facility-based help.
Since eligibility and coverage vary, contact treatment centers and insurance providers to learn all available options.
Some facilities offer scholarships and grants. However, these may be limited and do require an application process.
This table summarizes payment options in California:
Financial Option
Description/Eligibility
Government-Funded and Public Assistance
State-Funded Programs
Low/no-cost for eligible residents
SAMHSA Grants
Federal funds for uninsured/underserved populations
Medicare/Medicaid
Government insurance; eligibility required
VA Benefits
For veterans
Insurance Coverage
Private Insurance
ACA and employer plans often provide coverage
EAPs
Employer-provided assistance
Facility-Based Financial Aid
Payment Plans
Offered by many facilities
Scholarships/Grants
Facility-based, competitive, need-based
Sliding Scale Fees
Fees based on income
Other Assistance
Family and Friends
Personal loans or support
Charity/Non-Profit
Free/low-cost, limited availability
Health insurance, for those who are eligible, plays a big role in making rehab treatment affordable in California. Consider the following tips:
For those who meet the criteria of medical necessity, under The Affordable Care Act (ACA) most private insurance companies are required to cover substance abuse treatment as an essential health benefit.
Details of coverage vary by provider and can be complex. Check your behavioral health benefits. Most rehabs will provide help sorting this out. It depends on the number of days, types of services, and medications.
Many plans cover a variety of treatment services including detox, residential rehab, outpatient therapy, and aftercare.
100% of treatment costs are covered by some plans, after deductibles are considered. Others require co-payments or co-insurance.
Often insurers will require that you use in-network providers (approved facilities) for the highest level of coverage. Out-of-network care may be more expensive or not covered.
You may be required to have prior authorization or a referral from a primary care doctor.
Your insurance plan determines the length of stay covered and included services such as types of therapy or medications. Some plans only cover outpatient care unless inpatient (residential) is medically necessary.
Medicaid coverage varies by state. It may be limited by federal rules. Insurance providers may have a list of approved or accredited treatment facilities and coverage is limited to these.
Contact your insurance company (using the number on your insurance card) to verify:
Veterans should contact the VA to understand dedicated treatment coverage and get help to locate appropriate services.
California residential treatment centers provide a variety of financing plans and payment assistance to make care more accessible. This is regardless of insurance status or financial situation. These are summarized in the table below:
Option
Description/Eligibility
Payment Plans
Pay in installments over time
Third-Party Financing
Loans/credit for treatment costs
Sliding Scale Fees
Fees adjusted based on income
Scholarships/Grants
Need-based aid from facility or organizations
State-Funded Programs
Low/no-cost for eligible individuals
Medicaid/Medicare
Government insurance for qualifying individuals
Credit/Debit Cards
Accepted for payment at most facilities
Family Support
Financial help from loved ones
California residents facing financial barriers can access a variety of scholarships, grants, and non-profit resources to help people access residential treatment. The application process can be competitive and may require persistence and thorough documentation.
Scholarships and grants can significantly reduce or eliminate the cost of residential treatment for those in need. Nonprofit organizations and government-funded programs are vital sources of support, especially for individuals with limited or no insurance.
You need to balance cost, quality, and your specific recovery needs. Here are key steps and considerations to guide your decision:
Financing can seem complex because it often is. This table summarizes the main points to consider:
Topic
Example Questions
Insurance
Do you accept my insurance? What’s covered?
Payment Plans/Financing
Are payment plans or third-party financing available?
Scholarships/Grants
Are scholarships or sliding scale fees offered?
Cost Transparency
What’s included in the price? Any extra fees?
Refunds
What is your refund policy?
Duration/Flexibility
Can I adjust my length of stay?
Support Programs
Can you help me apply for financial assistance or housing aid?
Northbound is a leading California treatment facility that provides effective therapeutic services with highly trained medical and clinical staff to help people recover from addiction.
With a broad range of programs and services, Northbound provides a full spectrum of care, including:
At Northbound our goal is to make sure that anyone in need of drug and alcohol treatment can get help. We accept most major insurance plans. Call us now to discuss your options.
For more than 30 years, Northbound Treatment Services in California has been at the forefront of providing lifesaving, compassionate residential care, and specialized services to help people from all walks of life feel better, discover themselves, and live free from addiction. We have facilities throughout California. Reach out to our admissions team now.
DRS Editorial Team. 2025. California Rehab Costs and Treatment Options for Residential and Outpatient Care.
National Center for Drug Abuse Statistics. 2023. Average Cost of Drug Rehab.
Ogren, G. 2024. How Much Does Rehab Cost in California? Recovery.com
About the Author

Chief Marketing Officer Alexa Pelech is the Chief Marketing Officer at Northbound Treatment Services, where she combines her passion for helping others with a strong track record in addiction treatment marketing and outreach. Since joining Northbound in 2019, Alexa has held several key roles—including Referral Relations Manager and Director of Business Development—before stepping into her current leadership position in March 2023. Alexa began her career in behavioral healthcare as an Outreach Coordinator with American Addiction Centers, where she quickly developed a reputation for her compassionate approach and results-driven mindset. Today, she leads Northbound’s marketing strategy with the same energy and heart, driving growth while staying true to the mission of recovery. Alexa holds a Bachelor of Arts in Fine and Studio Arts from San Francisco State University and later studied Substance Abuse and Addiction Counseling at Los Angeles Pierce College. Her creative background and commitment to service continue to shape her authentic, human-centered leadership style.
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Rehabs that accept cigna may cover detox, inpatient, and outpatient care. Learn how to verify benefits and find in network options.

Kaiser permanente drug treatment benefits vary by plan. Explore coverage basics, prior authorization, and in network options.

Online IOP program options offer structured therapy from home. Learn how it works, who it’s for, and what to expect week to week.




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