Most used
Payment plans
Spread the cost with a TLC payment plan, usually with a deposit up front and the rest over time. The repayment calculator shows what a week could cost.
Paying for treatment
Getting well shouldn't wait on the full amount.
Most people fund a stay with a mix of savings, a payment plan and their super. Here's every option, plainly, and what each one usually covers.
01
The prices, up front.
Indicative prices. Your written quote after assessment is the one that counts.
Live-inFrom $25,000+ GST · length set with you
Outpatient programFrom $15,000+ GST · three days a week for four weeks
Transition house$15,000incl. GST
Medical detox, prescription medicines and external specialist appointments are not included. We don’t offer refunds if you change your mind or leave early. This doesn’t affect your rights under the Australian Consumer Law. Full program details.
02
Ways to pay, and what to expect.
Often possible
Early release of super
The ATO can release super on compassionate grounds to pay for treatment of an acute or chronic mental disorder, with reports from two registered doctors, one a specialist. How it works.
Available
Finance
Personal finance through a third-party lender, for people who'd rather pay one lender than a plan. We'll explain the terms before you sign anything.
Usually not
Private health insurance
Hospital cover usually pays for stays in a licensed private hospital, and Sapphire is a residential home, not a hospital. Some extras policies help with psychology sessions. Ask your fund what they'll cover.
Case by case
DVA
Veterans can get mental health treatment through DVA, often without needing a claim accepted first. Whether it covers a private residential stay depends on the case. We'll help you ask.
Usually not the stay
NDIS
The NDIS doesn't usually fund addiction treatment itself, which sits with the health system. For participants, it may fund related supports around a stay.
Case by case
WorkCover and CTP
If substance use or mental health problems are linked to an accepted work or road injury claim, the insurer may fund treatment. It needs their approval before admission.
Worth asking
Your employer
Some employers fund treatment or extra leave, often through an Employee Assistance Program. Discreet mode keeps every message from us neutral.
If cost rules it out
Public options
Queensland has free and low-cost public and community treatment. If Sapphire isn't affordable, we'll point you to the right one. Adis 24/7: 1800 177 833.
Partners and schemes
Partner · financial advice
Thrive Financial
Financial planners on the Sunshine Coast. They can help with super, cash flow and debt, including working out how to fund treatment. thrivefinancial.com.au
Partner · super release
Release My Super
Help applying to release your super on compassionate grounds for treatment: the doctor's appointments, the paperwork and the ATO application. Start with Release My Super
Queensland fines
Reduce SPER debt through treatment
If you owe fines to SPER, treatment and counselling can count towards a Work and Development Order, which reduces the debt instead of paying cash. Ask us how this works alongside your stay. How SPER orders work
03
Talk it through with us.
Admissions can walk you through a plan, the super paperwork, or what to ask your insurer, before you commit to anything.
This page is general information, not financial advice. Funding rules change, and every insurer and scheme decides case by case, so check with them before relying on any option.