Written program quote
The amount, billing period, dates, visits, and services the treatment program says are included.
Tennessee Treatment Cost Planning
Tennessee rehab cost calculator
Build a planning estimate from a written program quote and your current insurance terms.
A planning worksheet
Estimate from your numbers, not a generic statewide average
Treatment prices vary with the level of care, schedule, length, network status, and services included in a quote. This calculator does not assign a price to rehab or recommend a level of care.
Enter a written program quote, the period it covers, and the insurance cost-sharing details you have today. The result is a planning worksheet—not a guarantee of coverage, payment, admission, or a final bill.
Do not enter names, diagnoses, member IDs, or other private health information. Nothing entered here is submitted or stored.
Cost planning calculator
Build an estimate from documented figures
Start with a program quote. Add the insurance terms and separate costs you know. Without insurance terms, the full written quote remains in the planning total rather than assuming coverage.
What the total includes
Four layers make the estimate useful
Two quotes can differ because they cover different services. Compare the assumptions behind each number before comparing the totals.
Separate clinical charges
Medications, laboratory testing, clinician fees, or outside services that may be billed apart.
Insurance cost sharing
The remaining deductible and coinsurance tied to the exact plan and service under consideration.
Family expenses
Travel, lodging, child care, missed work, and other practical costs outside the treatment bill.
Ask how each level of care is billed
Need to compare the settings first? Use the Knoxville treatment continuum map.
| Care setting | Common quote basis | Questions to ask |
|---|---|---|
| Detox or inpatient | Daily, bundled period, or facility quote | Medical services, medications, room and meals, clinician billing, and the dates covered |
| Partial hospitalization (PHP) | Day, week, or program period | Clinical hours, psychiatry, testing, medications, and any housing or transportation |
| Intensive outpatient (IOP) | Session, day, week, or program period | Sessions per week, authorization period, drug testing, and separate clinician fees |
| Outpatient or virtual care | Visit or session | Visit type, clinician, telehealth rules, copay or coinsurance, and follow-up services |
Typical ranges
Typical cost ranges by level of care
Broad industry planning ranges used in public consumer education — not New Hope Healthcare Institute price lists. Enter a written quote in the calculator above for a situation-specific worksheet.
| Level of care | Planning range | Notes |
|---|---|---|
| Medical detox | Often $300–$1,200 / day | Varies with medical monitoring, medications, length of stay, and whether services are bundled. |
| Inpatient / residential | Often $500–$2,000+ / day | Public consumer guides cite wide ranges; contracted insurance rates usually differ from cash list prices. |
| Partial hospitalization (PHP) | Often $350–$900 / day | Lower than residential because there is no overnight stay; hours and included services still drive totals. |
| Intensive outpatient (IOP) | Often $250–$500 / day or multi-week program quotes | Program length and sessions per week matter more than a single daily figure. |
| Outpatient therapy / MAT visits | Often $100–$300+ / visit plus meds | Copays may apply after deductible; medications and labs can bill separately. |
Brand-specific payment context: New Hope costs & payment.
Worked examples
Three worked insurance-math examples
Hypothetical deductible and coinsurance arithmetic only — not New Hope rate quotes and not a guarantee of coverage. Contracted rates and authorizations are confirmed during free benefits verification.
In-network PPO, deductible already met
Hypothetical plan: employer PPO, $1,500 deductible already met this year, 0% coinsurance for authorized in-network intensive outpatient after deductible.
Deductible remaining
$0 — met by prior medical care this plan year
Coinsurance
0% for the authorized, in-network service under this example
Estimated member share
$0 for covered, authorized program charges under these assumptions
This is the scenario behind “insurance paid almost everything.” It requires confirmed network status, met deductible, favorable coinsurance, medical necessity, and authorization — all verified for your plan, not assumed.
In-network PPO, deductible not met
Hypothetical plan: individual PPO, $2,000 deductible unmet, 20% coinsurance, $6,000 annual out-of-pocket maximum.
Deductible
First $2,000 of allowed charges paid by the member
Coinsurance
20% of allowed charges after deductible until the out-of-pocket max
Estimated member share
Capped at the plan’s $6,000 out-of-pocket maximum for covered services
Allowed charges are the plan’s contracted amounts, not billed charges. The out-of-pocket maximum is the number families most often overlook.
High-deductible plan (HDHP) with HSA
Hypothetical plan: HDHP, $5,000 deductible unmet, 10% coinsurance after deductible, HSA balance available for eligible expenses.
Deductible
First $5,000 paid by the member — HSA funds can often be used pre-tax
Coinsurance
10% of allowed charges after deductible under this example
Estimated member share
Deductible + coinsurance, offset by eligible HSA dollars when available
HDHP members often assume treatment is unaffordable. The math can look better once HSA funds and the out-of-pocket maximum are counted — still confirm with a live benefits check.
Paying for care
Financing and payment plans
After insurance is applied — or when self-pay is the path — structured payment arrangements may be available depending on the program and your situation. HSA and FSA funds can often cover eligible deductibles, coinsurance, and self-pay balances. Admissions explains known options during a free benefits discussion without pressure to enroll.
See paying for rehab and costs & payment for more context. Verification of benefits is not a guarantee of payment.
Method and limitations
What the calculator does—and does not—assume
The tool multiplies the entered quote by the number of days, weeks, or sessions. It then applies the entered deductible before applying coinsurance to the remaining program charge.
It does not know the insurer's negotiated rate, covered services, copays, authorization decision, out-of-pocket maximum rules, or final claim outcome. Add only documented separate and household costs.
Benefits vary by plan. This estimate is not a guarantee of coverage, payment, admission, clinical eligibility, or a final out-of-pocket amount.
Replace assumptions with plan-specific information
Admissions can explain available programs and review benefits with your insurer. Verification does not guarantee payment or admission.
Common Questions
Frequently Asked Questions
Don't see your question here? Our admissions team is available around the clock — every call is free and confidential.
Call 24/7: 866-806-1027No. It uses the figures you enter and does not publish or infer a New Hope rate. Call admissions for current program information and a plan-specific benefits discussion.
Programs package services differently. A written quote gives you a defined starting amount and helps you identify medications, labs, clinician fees, or other charges that may be billed separately.
Many health plans include mental health and substance use disorder benefits, but network, authorization, medical-necessity, deductible, copay, and coinsurance rules vary by plan. Verification is not a guarantee of payment.
Coinsurance is the percentage you may owe after the deductible under the assumptions entered. The insurer may apply a negotiated rate or exclude services, so the calculated amount may differ from a claim.
Ask whether medications, laboratory testing, clinician services, transportation, housing, or outside providers can bill separately. Enter only amounts you have been quoted or can reasonably document.
Price is an important planning factor, but a qualified assessment should guide treatment fit. A lower estimated amount does not establish that a less intensive setting is clinically appropriate.
Self-pay cost depends on the level of care and anticipated length of treatment, so responsible providers quote it individually rather than publishing one number. Use this calculator with a written quote, review typical industry ranges on this page, and call admissions for current self-pay options and payment arrangements.
Structured payment arrangements may be available in some situations after insurance is applied or for self-pay balances. Details depend on the program and your circumstances — ask admissions during a free benefits discussion.