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How Much Does Inpatient Psychiatric Care Cost with Insurance

Mental health is a serious business. It can take years, even decades, for some people to get their lives back on track after struggling with a mental illness. For those who have insurance, treatment may be covered under the policy. But what about those who don’t have insurance? In this post, we will explore how much inpatient psychiatric care costs with insurance, based on data from The American Psychiatric Association. We will also provide tips for those who do not have coverage and need to find a way to pay for treatment.

What is Inpatient Psychiatric Care?

Inpatient psychiatric care is available to those who have a mental illness that is severe enough to require hospitalization. Inpatient psychiatric care can be expensive, and it may be covered by your insurance. You should check with your insurer before you go into the hospital to make sure that you are covered for inpatient psychiatric care. Inpatient psychiatric care can range in price from $5,000 to $50,000 per week.

Types of Inpatient Psychiatric Care

Inpatient psychiatric care is a type of medical care that can be expensive with insurance. Inpatient psychiatric care can be costly for a variety of reasons, including the expense of medications and other treatments that are necessary to treat mental health conditions, the cost of room and board, and the costs associated with visiting a hospital. Some people may also face additional costs due to their insurance plan’s coverage limitations.

What to do if you are uninsured and need inpatient psychiatric care

If you are uninsured and need inpatient psychiatric care, here are some things to keep in mind:

1. You may be eligible for state or federal Medicaid or Medicare, depending on your income and insurance coverage.
2. Inpatient psychiatric care can cost a lot, but there are ways to get help pay for it.
3. Some hospitals offer sliding scales based on income or family size.
4. If you cannot afford the cost of inpatient psychiatry care, there are community-based programs that can help.


Mental health care can cost a lot of money, even with insurance. According to the National Alliance on Mental Illness (NAMI), the average annual out-of-pocket cost for an individual with mental illness is $8,667. For families affected by a loved one’s mental illness, that number jumps to $17,122 per year. That’s simply not something most people can afford on their own. If you or someone you know is struggling with mental health issues and needs help but doesn’t have access to coverage through an insurance company, there are some resources available that can help reduce those costs.

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