How does my deductible work with rehab costs?
Deductible is the amount you pay out of pocket before insurance starts paying its share. Family deductibles work similarly at the household level.
For rehab, PHP and IOP costs often exhaust the deductible in the first weeks, then coinsurance percentage applies.
We calculate this for you before you start.
Sources & further reading
Medically reviewed by our clinical team
Dr. Dhiren Patel, DO
Staff Psychiatrist · Real Deal Recovery
Board-certified psychiatric care for adults in outpatient treatment.
Sharaya Gallozzi, M.A., LMFT-S
Chief Clinical Officer · EMDR-Trained · Meet Sharaya
Leads the Real Deal clinical team; supervises therapists across all three rehab centers.
Last reviewed September 2026. This article is educational and is not medical advice. In an emergency call 911 or the 988 Suicide & Crisis Lifeline.
