Paying for treatment
IOP vs PHP cost in Texas
There's no single price for IOP or PHP in Texas: programs bill your coverage a daily rate for each day you attend, and what you pay is your plan's share of those days. PHP is at least 20 hours of treatment a week and IOP at least 9, so a week of PHP usually means more billed days; of the Texas programs on Cima Find Care, 223 offer IOP (141 accept Medicaid) and 141 offer PHP (80 accept Medicaid).
By Ryan Coane, LCDC-I. Updated October 27, 2026. General information, not medical, legal or insurance advice: call your plan and the program for your own cost.
IOP and PHP side by side
| Intensive outpatient (IOP) | Partial hospitalization (PHP) | |
|---|---|---|
| Hours a week | At least 9 for adults (ASAM's intensive outpatient level is 9 to 19) | At least 20 (ASAM Level 2.5 and Medicare's PHP benefit) |
| A typical week | For example 3 hours a day, 3 days a week | For example 4 or more hours a day, 5 days a week |
| How the program bills | A daily rate (per diem) for each day you attend, for example HCPCS H0015 for substance use IOP | A daily rate for each day you attend, for example S0201 or H0035, or revenue code 0912 or 0913 on a hospital-style claim |
| Original Medicare | Part B: 20% of the Medicare-approved amount after the Part B deductible ($283 in 2026) | The same: 20% after the Part B deductible |
| Private insurance | Your plan's copay or coinsurance for each day, after any deductible, up to your out-of-pocket maximum; usually needs prior authorization | The same, and prior authorization is the rule |
| Texas Medicaid | Through your Medicaid health plan, at a licensed chemical dependency treatment facility in its network | Offered by health plans that choose to, in place of inpatient care |
The hours are the real difference. Medicare prices IOP and PHP days from the same costs, one rate per setting and tier; what changes is how many hours you're in treatment and how many days a week you go. That's why a week of PHP, at five days, usually costs your plan, and you, more than a week of IOP at three.
Not sure which level you need? Read IOP vs PHP vs outpatient care, or answer four questions in Find your fit.
What you pay, by coverage
- Private insurance. Your share is set by your plan, not the program: a copay or coinsurance for each day, after your deductible, until you reach your out-of-pocket maximum for the year. Under the federal parity law, a plan that covers substance use care can't make its copays, deductibles or prior authorization rules stricter than for medical and surgical care. Out of network, you may owe much more, or everything. See how to use insurance in Texas.
- Medicare. Original Medicare Part B covers IOP and PHP. After the Part B deductible ($283 in 2026) you pay 20% of the Medicare-approved amount, and in a hospital outpatient department or community mental health center you may owe a coinsurance for each day. A Medicare Advantage plan sets its own copays and network.
- Texas Medicaid. Substance use treatment is a Medicaid benefit, given by licensed chemical dependency treatment facilities. Most members are in a managed care health plan, which pays the program; PHP and adult IOP are offered by plans that choose to, as in-lieu-of services. Call the member services number on your card and ask what you'd owe.
- No insurance. Ask the program for its self-pay daily rate and whether it has a sliding-scale fee. Texas also pays for substance use treatment for adults whose income qualifies: the front door is an OSAR (Outreach, Screening, Assessment and Referral) in your region, or call 2-1-1.
Who offers IOP and PHP in Texas
Counted from the programs on Cima Find Care. Neither FindTreatment.gov nor our records list programs' prices, so the table counts who accepts each kind of payment, not what they charge.
| Level of care | Programs in Texas | Accept Medicaid | Accept Medicare | Accept private insurance | Sliding-scale fee |
|---|---|---|---|---|---|
| IOP (intensive outpatient) | 223 | 141 | 83 | 193 | 91 |
| PHP (partial hospitalization) | 141 | 80 | 49 | 140 | 34 |
Counted from Cima Find Care's Texas records as of 2026-10-27: one program per organization in each city, from SAMHSA's FindTreatment.gov and the programs' own websites. A program counts when any of its locations lists it.
By city
Each number links to that city's list, with every program's phone number, address and the insurance on its record.
| City | IOP (intensive outpatient) | PHP (partial hospitalization) |
|---|---|---|
| Austin | 10 programs, 5 take Medicaid | 11 programs, 6 take Medicaid |
| Dallas | 11 programs, 7 take Medicaid | 6 programs, 2 take Medicaid |
| El Paso | 7 programs, 7 take Medicaid | 8 programs, 7 take Medicaid |
| Fort Worth | 8 programs, 2 take Medicaid | 3 programs, 1 takes Medicaid |
| Houston | 32 programs, 18 take Medicaid | 13 programs, 5 take Medicaid |
| San Antonio | 12 programs, 11 take Medicaid | 8 programs, 8 take Medicaid |
Find out your cost before you start
- Call your plan (the number on your card). Ask: is IOP or PHP for substance use covered; is this program in network; does it need prior authorization; what do I pay a day; how much of my deductible and out-of-pocket maximum is left.
- Call the program. Ask them to verify your benefits, how many days a week you'd attend, how many weeks they expect, and what they charge self-pay or on a sliding scale.
- Multiply it out. Your share for a day, times the days a week, times the weeks, stops at your out-of-pocket maximum. If you pay yourself, ask for a written Good Faith Estimate: under the No Surprises Act, providers must give one to self-pay patients.
Wondering what it will cost? See how much therapy costs in Texas.
Questions
Is PHP more expensive than IOP?
Usually for a week, not always for a day. Medicare prices IOP and PHP days from the same costs, and private plans set each program's daily rate by contract. PHP means more hours and usually more days a week (often five, against three for IOP), so a week of PHP usually costs more.
Does insurance have to cover IOP or PHP?
Marketplace and most individual and small-group plans must cover substance use disorder services as an essential health benefit, and the federal parity law keeps a plan's rules for substance use care from being stricter than for medical care. Whether a given program and level is covered still depends on your plan, its network and medical necessity.
Does Texas Medicaid pay for IOP?
Substance use treatment is a Texas Medicaid benefit, delivered by licensed chemical dependency treatment facilities and paid through your health plan. PHP and adult IOP are offered by plans that choose to, in place of inpatient care. Call the number on your Medicaid card to find a program in your plan's network.
What do I pay with Medicare?
With Original Medicare, 20% of the Medicare-approved amount after the Part B deductible, which is $283 in 2026, and a daily coinsurance may apply in a hospital outpatient department or community mental health center. A Medicare Advantage plan sets its own costs.
Can I get IOP or PHP if I can't pay?
Yes, often. Ask programs about a sliding-scale fee, and contact your region's OSAR or 2-1-1 for state-funded treatment if your income qualifies. SAMHSA's National Helpline, 1-800-662-4357, is free and can refer you.
Why doesn't Find Care show prices?
Programs don't publish them on FindTreatment.gov or on the records we build from, and what you pay depends on your plan more than the program's list price. We count who takes each kind of payment instead; claimed listings can add their own fees.
Related
- IOP vs PHP vs outpatient care
- How to use insurance in Texas
- Free and low-cost care in Houston
- Addiction treatment in Texas, by city
- The Good Faith Estimate tool
Sources
- Medicare.gov: intensive outpatient program services, partial hospitalization and 2026 Medicare costs (Part B deductible $283)
- CMS: CY 2026 OPPS final rule fact sheet (PHP and IOP per diems)
- ASAM: The ASAM Criteria, 4th edition
- Texas HHSC: Medicaid In-Lieu-Of Services Annual Report, November 2025; TMHP: substance use disorder benefits in Texas Medicaid; OSAR
- HealthCare.gov: mental health and substance abuse coverage, preauthorization
- U.S. Department of Labor: making the most of your mental health and substance use disorder benefits (parity)
- CMS: your rights under the No Surprises Act (Good Faith Estimates)
- SAMHSA: FindTreatment.gov and the National Helpline