Insurance can help cover some or all of the costs of outpatient rehab or mental health treatment, but options are also available for those without insurance coverage.

When you’re struggling with substance use or mental health concerns, finding effective treatment should be a top priority. Unfortunately, cost can be a major barrier to treatment for many people, especially those who don’t have health insurance coverage.

We believe that substance abuse treatment should be accessible and affordable for everyone, including those who are uninsured. This is why we partner with most national and local insurance providers and help uninsured clients find solutions that fit their finances.

How Much Does Treatment Cost?

Treatment costs can vary widely based on several different factors, including the length, frequency and intensity of treatment. The severity and type of substance abuse being addressed can also influence which treatment program is necessary.

For people without insurance, the cost of outpatient treatment at a professional facility like Denver Mental Health and Counseling generally ranges between $1,000 to $10,000. Programs with fewer treatment sessions and a shorter duration will often be less expensive, while longer-term programs with frequent appointments may cost more. However, health insurance coverage can help cover some or all of the costs of outpatient mental health treatment.

What’s Included in the Cost of Treatment?

Although addiction treatment costs can seem overwhelming, it helps to remember all the life-changing services that you can receive. The cost of treatment is an investment in yourself for a healthier, substance-free life. Services included in our outpatient treatment programs include:

Is Treatment Covered by Insurance?

Treatment for substance abuse and mental health disorders is considered an essential health benefit. As such, most health insurance providers will cover some or even all of the costs of treatment for addiction treatment and behavioral health care. However, you may still be responsible for deductibles or other out-of-pocket costs that are not covered by your insurance plan. 

No matter what your insurance coverage may be, we will always work with you to ensure you can have an affordable and accessible way to receive the treatment you need. This may mean referring you to another facility that accepts your insurance coverage or working with you to create a payment plan that works for you.

Insurance Verification 

If you’re wondering whether addiction and behavioral health treatment are covered under your health insurance plan, our representatives would be happy to verify your insurance coverage over the phone. Our helpful online insurance verification tool can be a helpful starting point for finding out what may be covered by your insurance provider.

HMO vs. PPO Coverage

Although health maintenance organizations (HMOs) and preferred provider organizations (PPOs) both provide health care coverage, there are some key differences between the two. HMOs generally only offer coverage for in-network treatment providers and tend to be cheaper than other options. 

PPOs also focus on in-network providers, but they may also cover costs from out-of-network providers. However, when out-of-network providers are used, a person may need to pay treatment costs upfront and request reimbursement from the insurance company.

To ensure you limit your out-of-pocket costs, it’s important to find a treatment program that is in-network with your insurance plan.  

Other Ways To Pay for Treatment

It’s important for people struggling with substance abuse and mental health issues to get the treatment they need, but not everyone has an insurance plan that can cover the costs. Fortunately, there are several ways for people without insurance or savings to reduce the financial impact of treatment.


Different financing options, such as a medical loan from a bank, can help you afford the treatment you need and pay back the costs over time. Many treatment centers can also work with you to create a payment plan internally that meets your needs.

Grant or Loan Programs

The Substance Abuse and Mental Health Services Administration (SAMHSA) often provides grants to increase access to mental health and substance abuse treatment. At state-funded centers that receive these grants, people in need of treatment can find free or low-cost rehab services.

Medicare and Medicaid

Medicare and Medicaid are government-funded health insurance plans for seniors, low-income families and people with disabilities. Although our facility does not accept Medicare or Medicaid health insurance plans at this time, our representatives would be happy to help you find a facility or treatment provider that does.

Speak With a Representative

Outpatient treatment can be helpful for people struggling with substance abuse, addiction or mental health, especially when these concerns are not severe. It’s also effective for people who have already completed a more intensive inpatient treatment program, as it provides the support needed to transition back to day-to-day life after rehab. 

If you or someone you love is struggling with addiction or substance abuse, Denver Mental Health and Counseling is here to help. Our knowledgeable representatives can help you determine an outpatient treatment program that may work well for your needs or help you find more intensive forms of care. Contact us today to learn how our outpatient services can benefit you. 

Medical Disclaimer

Denver Mental Health Counseling by The Recovery Village aims to improve the quality of life for people struggling with substance use or mental health disorder with fact-based content about the nature of behavioral health conditions, treatment options and their related outcomes. We publish material that is researched, cited, edited and reviewed by licensed medical professionals. The information we provide is not intended to be a substitute for professional medical advice, diagnosis or treatment. It should not be used in place of the advice of your physician or other qualified healthcare providers.