Financial Options & Payment
Treatment Is an Investment in Your Future
We understand that the cost of treatment can feel overwhelming, especially during a crisis. At RECO Health, we're committed to making quality addiction treatment accessible to everyone who needs it. Our admissions team will work with you to explore all available financial options and create a solution that fits your situation.
Our Commitment to You
We believe that financial concerns should never prevent someone from accessing life-saving treatment. If you're committed to recovery, we're committed to finding a way to make it work. Every situation is unique, and we'll work with you personally to create an affordable solution.
Payment Plans
Flexible monthly payment options
Insurance Coverage
Most major plans accepted
Self-Pay Options
Competitive pricing for private pay
Financial Assistance
Limited scholarships available
How to Pay for Treatment
We offer multiple payment options to ensure treatment is accessible when you need it most.
Insurance Coverage
Maximize your insurance benefits
Most insurance plans provide substantial coverage for addiction treatment. The Affordable Care Act and Mental Health Parity Act require insurers to cover behavioral health treatment at similar levels to physical health care.
What We Do for You
- Verify your insurance benefits within 24 hours
- Contact your insurance provider directly to determine coverage
- Provide detailed breakdown of your costs (deductible, copay, coinsurance)
- Handle all pre-authorization requirements
- Submit all claims on your behalf
- Follow up with insurance company for approvals and payments
- Negotiate Single Case Agreements for out-of-network benefits when possible
Flexible Payment Plans
Spread costs over manageable monthly payments
We understand that even with insurance coverage, out-of-pocket costs can be challenging. RECO Health offers flexible payment plans that allow you to spread treatment costs over several months, making treatment more accessible.
How It Works
- Make a down payment upon admission
- Remaining balance divided into monthly payments
- Payment terms customized to your budget
- No interest or hidden fees
Benefits
- Start treatment immediately
- Manageable monthly obligations
- No credit check required
- Confidential financial arrangements
Self-Pay / Private Pay
Competitive rates for clients paying privately
Some clients prefer to pay for treatment privately rather than using insurance. This option provides complete privacy and eliminates insurance-related treatment limitations.
Advantages of Private Pay
- Complete confidentiality—no insurance records of treatment
- No pre-authorization delays—start treatment immediately
- Unlimited treatment duration based on clinical need, not insurance limits
- Greater flexibility in treatment planning
- May be combined with payment plan options
Competitive Pricing: Our self-pay rates are competitive with other high-quality treatment programs. Contact our admissions team for detailed pricing information and to discuss payment plan options.
Health Savings Accounts (HSA) & Flexible Spending Accounts (FSA)
Use pre-tax dollars for treatment
Addiction treatment qualifies as a medical expense for both HSA and FSA accounts, allowing you to use pre-tax funds to pay for treatment costs including deductibles, copays, and uncovered services.
HSA Benefits
- ✓ Funds roll over year to year
- ✓ Account belongs to you
- ✓ Tax-deductible contributions
- ✓ No expiration on funds
FSA Benefits
- ✓ Reduces taxable income
- ✓ Employer may contribute
- ✓ Immediate access to annual amount
- ✓ Lower out-of-pocket costs
Financial Assistance & Scholarships
Limited assistance for qualifying clients
RECO Health is committed to ensuring that financial barriers don't prevent anyone from receiving life-saving treatment. We offer limited financial assistance to clients who demonstrate financial need and commitment to recovery.
Application Process
- Contact our admissions team to discuss your financial situation
- Complete financial assistance application
- Provide documentation of income and expenses
- Demonstrate commitment to recovery program
- Assistance decisions typically made within 48-72 hours
Important: Financial assistance is limited and awarded on a case-by-case basis. Early application is encouraged as availability changes throughout the year.
The Real Cost of NOT Getting Treatment
When weighing the cost of treatment, it's important to consider the often-hidden costs of untreated addiction.
The Financial Impact of Untreated Addiction
Direct Substance Costs
The actual money spent on drugs or alcohol can reach thousands or tens of thousands of dollars per year—money that could instead support recovery, family, and future goals.
Legal Consequences
DUI/DWI charges, drug possession arrests, and related legal issues can cost $10,000-$25,000+ in attorney fees, fines, court costs, license reinstatement fees, and increased insurance rates.
Medical Emergencies
Emergency room visits, hospitalizations for overdoses or addiction-related health issues can cost $5,000-$50,000+ per incident, often without insurance coverage for addiction-related emergencies.
Lost Income & Career
Job loss, reduced productivity, missed promotions, and career derailment can result in hundreds of thousands of dollars in lost lifetime earnings. Many people lose their career entirely to untreated addiction.
Relationship Damage
Divorce, custody battles, strained family relationships, and lost friendships carry both emotional and financial costs including legal fees, therapy, and family support.
Housing Instability
Evictions, foreclosures, or inability to maintain stable housing due to addiction creates long-term financial and credit consequences that can take years to recover from.
Long-Term Health Consequences
Chronic health conditions caused by substance abuse—liver disease, heart problems, neurological damage—require ongoing expensive medical care for years or decades.
The Ultimate Cost
Addiction is a potentially fatal disease. The cost of not getting treatment could be your life—a price no family should ever have to pay.
Treatment Is an Investment, Not an Expense
When you compare the cost of quality treatment to the financial, emotional, and physical costs of untreated addiction, treatment is not just affordable—it's essential. Every dollar invested in recovery is a dollar invested in your future, your family, your career, and your life.
The question isn't "Can I afford treatment?" The question is "Can I afford NOT to get treatment?"
Financial Options FAQs
Yes, RECO Health offers flexible payment plans for clients who need to spread treatment costs over time. Our admissions team will work with you to create a payment schedule that fits your budget while ensuring you receive the care you need. Payment plans typically involve a down payment upon admission with the remaining balance divided into manageable monthly payments.
We believe cost should never be a barrier to recovery. RECO Health offers various financial solutions including payment plans, financial assistance programs, and help maximizing insurance benefits. Our team will work with you to explore all available options and find an affordable path to treatment. If you're committed to recovery, we're committed to finding a way to make it work.
The cost of untreated addiction far exceeds treatment costs, including legal fees ($10,000-$25,000+ for DUI/arrests), medical bills ($5,000-$50,000+ per emergency), lost income (hundreds of thousands over a lifetime), damaged relationships, housing instability, chronic health conditions requiring ongoing care, and the immeasurable cost to quality of life and wellbeing. Many people find that investment in treatment saves money long-term while potentially saving their life.
Yes, addiction treatment is typically a qualified medical expense for both HSA and FSA accounts. You can use these pre-tax funds to pay for treatment costs, including deductibles, copays, and services not covered by insurance. Using HSA/FSA funds can significantly reduce your out-of-pocket costs by allowing you to pay with pre-tax dollars.
RECO Health periodically offers limited financial assistance for clients who demonstrate financial need and commitment to recovery. Contact our admissions team to discuss current availability and application requirements. Assistance is awarded on a case-by-case basis, and early application is encouraged as availability changes throughout the year.
It depends on your specific insurance coverage. For some clients with high deductibles or limited behavioral health benefits, self-pay combined with a payment plan may actually be more affordable than using insurance. For others, insurance coverage significantly reduces costs. We'll verify your insurance benefits and compare that to our self-pay rates so you can make an informed decision about which option works best for your situation.
Continue Your Admissions Journey
Insurance Verification
Verify your insurance coverage and understand your benefits for addiction treatment at RECO Health.
Verify Benefits →What to Bring to Treatment
Complete packing checklist to help you prepare for your stay at RECO Health.
View Checklist →Travel Coordination
Learn about our travel assistance services and airport pickup from PBI, FLL, and MIA.
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