As one of the nation’s largest health insurance providers, United Healthcare offers an array of policies with varying degrees of coverage. While the vast majority of United Healthcare plans provide assistance for addiction treatment, the payment of services and upfront costs fluctuate based on the policy and location.
United Healthcare Addiction Resources
To ensure those recovering from drug and alcohol addiction receive the best care, United Healthcare has a separate division known as United Behavioral Health. This division provides confidential services for individuals to speak with a substance abuse healthcare professional.
United Healthcare Policy Coverage for Substance Abuse
Drug and alcohol addiction services included in policies often consist of:
- Inpatient hospital detoxification
- Outpatient detoxification
- Inpatient rehabilitation
- Outpatient alcohol and drug abuse rehabilitation
Typically, a PPO network policy will offer a wide range of substance abuse treatment facilities compared to other plans available. Some policies may also have pre-certification requirements depending on the services provided and whether the program is inpatient or outpatient.
Do Treatment Centers Need to be In-Network?
No, oftentimes treatment centers are not required to be in-network. However, some plans will require a steeper coinsurance percentage or copays in order to see a provider that’s not in your network. Other plans may not cover out-of-network services altogether, leaving you responsible for the costs.
United Healthcare Coverage for Inpatient Treatment
Inpatient rehab coverage depends solely on the type of United Healthcare plan you have, as well as the state you reside in. In addition to individual and family insurance plans, United Healthcare offers short term medical plans which may also cover a substance abuse treatment program. Find information below in regards to short term plan coverage.
Inpatient Rehab Service and Costs
As part of United Healthcare’s short-term medical plans, many individuals’ policies help cover substance abuse programs. An exception to this is the lowest premium plan – Short Term Medical Value – which does not cover expenses related to drug and alcohol abuse treatment. The remaining short-term plans, however, all provide some assistance to policyholders.
Short Term Medical Plus policies and United Healthcare’s more comprehensive plans have around a 20-30% deductible. After paying your deductible, which can range from $1,000 to $10,000, insurance will kick in. It’s important to note that these policies carry a term maximum of $3,000 which means individuals are responsible for anything above that amount.
United Healthcare Coverage for Outpatient Treatment
United Healthcare’s outpatient rehab coverage is very similar to the inpatient benefits offered. Once of the company’s lower level plans, short term coverage, offers help to cover drug and alcohol rehabilitation; however, expenses accrued may vary.
Outpatient Rehab Services and Costs
United Healthcare’s short term plan’s outpatient coverage involves 20-30% coinsurance after deductible. For individual outpatient doctor visits, patients are limited to $50 per visit. For short term coverage, there is a $3,000 policy term maximum per covered person.
How Can I Pay the Costs Not Covered By My United Healthcare Plan?
Worrying about covering the costs of addiction treatment is an understandable concern, but it doesn’t have to stop you from getting the help you need. Let our treatment specialists match you with the right treatment center for you, and help you understand any costs you may need to take care of on your own.
For help verifying your insurance plan and finding treatment solutions, contact us today.