If you are looking to get treatment for an addiction, you will first need to figure out how you will finance your care. In nearly all cases, people cannot finance their addiction treatment plan on their own. Usually, people rely on health insurance that covers most of the cost of their treatment plan. Although you may have to pay a deductible and a portion of your plan out-of-pocket, most expenses insurance policies usually offer coverage.
United Healthcare is one of the insurance options that many patients consider using. Most United Healthcare plans are provided by an employer. Although the specific terms of United Healthcare plans can vary, most plans can provide similar coverage for patients seeking addiction treatment. Read on to learn about United Healthcare rehab coverage options.
What Is United Healthcare Insurance?
United Healthcare is one of the leading U.S. health insurance providers. The company is the second-largest healthcare provider in the United States, and it has annual revenue of over $400 billion. Consequently, millions of patients have insurance plans through United Healthcare.
As with most insurance companies, United Healthcare offers a wide variety of plans. In general, most patients have United Healthcare’s basic plan that is given to them by their employer. This plan covers most treatments, but it is certainly not a comprehensive insurance plan. Nevertheless, all types of United Healthcare plans can be used for addiction treatment.
Additionally, people with United Healthcare plans should keep in mind that specific coverage amounts can vary widely. United Healthcare’s plans vary by state, and every policy is different. Therefore, patients will need to speak to an addiction treatment center personally to find out how much coverage they can get in their unique situation.
Resources Given to Patients With United Healthcare Plans
United Healthcare has a division called United Behavioral Health that is dedicated to helping patients with mental disorders to get back on their feet. United Behavioral Health provides its own healing resources that work to help patients struggling with a mental disorder. Patients with mental disorders can speak with a United Behavioral Health representative to start receiving care.
Patients receive care through United Behavioral Health either over the phone or by visiting one of the company’s authorized mental care providers. Furthermore, the company has recently rolled out a mental health app that helps patients to receive the support they need.
Additionally, United Healthcare gives its customers annual mental health checkups that cover substance abuse and alcohol-related disorders. United Healthcare substance abuse treatment also aims to work proactively to encourage patients to avoid gateway activities that could lead them to eventually getting mental disorders. If professionals discover problems, patients may receive instructions to get treatment and care that a United Healthcare plan covers.
United Healthcare Rehab Coverage: Addiction Treatment Programs That Are Covered
When you seek treatment for a substance use disorder, doctors will usually recommend that you receive a series of treatments. At first, patients often require inpatient detoxification services to get harmful substances out of their system. Patients can then immediately move on to start receiving inpatient or outpatient rehab. All of these treatments can be covered under most United Healthcare plans.
When seeking assistance with addiction treatment, it is important to understand that your preferred provider organization ultimately determines what coverage you receive. The PPO sets coverage limits and determines how much you will have to pay out of pocket.
Additionally, you should keep in mind that many plans require you to receive “pre-certification” before pursuing care. If you fail to get pre-certification before starting your care, you risk having to pay for your services out of pocket. Therefore, it is important to bring up pre-certification requirements when talking to your addiction treatment provider to ensure you receive the coverage you need.
Inpatient Treatment Coverage With United Healthcare
In general, most patients with United Healthcare plans can qualify for inpatient rehab if the right conditions are met. However, the specific coverage you can receive is on a case-by-case basis.
Patients should keep in mind that United Healthcare drug rehab plans usually only cover relatively short-term inpatient treatment plans. Although there are situations where patients can get extended care, most patients only qualify for short-term care plans. If you want to continue your addiction treatment plan for a longer period of time, you may have to get a supplemental coverage plan, upgrade to a different care plan, or pay for some services out-of-pocket.
Service Quality and Costs for Inpatient Rehab
All United Healthcare plans cover short-term inpatient substance abuse care. The only United Healthcare plan that does not cover inpatient rehab is United Healthcare’s Short-Term Medical Value plan. Patients with any other United Healthcare insurance policy can receive care for their substance use disorder.
If you have a Short-Term Medical Plus plan or a relatively comprehensive United Healthcare plan, you will usually have to pay a deductible of about 20 percent. In some cases, the deductible can be as high as 30 percent for patients seeking to receive United Healthcare rehab coverage. Once you have fully paid your deductible, you can receive full United Healthcare rehab coverage for the remaining cost of your care.
However, you should keep in mind that most United Healthcare policies limit addiction treatment coverage to $3,000. Patients may need to pay any additional amounts out-of-pocket.
Outpatient Care With United Healthcare Plans
The coverage patients can receive for outpatient rehab under a United Healthcare plan is mostly the same as the coverage offered for inpatient care. Patients are usually limited to having up to $3,000 in outpatient addiction care services covered under their plan.
If you plan to use appointment-based outpatient care, United Healthcare covers a maximum of $50 per appointment. All United Healthcare plans also limit the number of appointments patients can qualify to receive coverage for. The maximum number of appointments patients can attend varies widely based on which plan a patient has.
Additionally, addiction patients seeking outpatient United Healthcare drug rehab coverage also have to meet their deductible before receiving coverage. Since coverage limits are about the same for outpatient care, many patients choose inpatient treatment options when their healthcare provider can authorize inpatient care.
How Harmony Place Can Help You
If you are seeking assistance with your addiction, you should know that help is available. Harmony Place offers a comfortable home-like atmosphere in Woodland Hills, Calif., for addiction patients to begin their path to recovery. We offer a full range of addiction treatments, including detox, residential rehab, outpatient care, and counseling.
When you choose our facility, you can recover in an environment that encourages you to see the beauty that sober living can offer. Our caring staff members encourage your recovery in every interaction, and we keep patients engaged throughout the day with group therapy, individual therapy, and a wide range of activities. We also work with our patients closely to ensure they will leave rehab with the education, environment, and support network necessary to minimize their chances of relapsing. Reach out to Harmony Place today. Allow us to help you begin your journey to a full and sustainable recovery. We look forward to walking with you!