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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. For those looking for drug and alcohol rehabs that accept United Healthcare insurance, click here to find a directory of available treatment centers.
To ensure those recovering from drug and alcohol addiction receive 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 provider.
United Healthcare’s yearly preventative care visits include screening and counseling in a primary care setting for alcohol and substance abuse.
Drug and alcohol addiction services included in policies often consist of:
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. To discuss your coverage options for treatment with a treatment provider, click here for a free and confidential phone call.
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.
Treatment centers do not always need to be in-network. However, check with a United Healthcare representative to determine your out-of-network coverage and the costs you will be responsible for.
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.
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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’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.
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.
Worrying about paying the costs of addiction treatment is an understandable concern, but it doesn’t have to stop you from getting help. For help verifying your insurance plan and finding treatment solutions, talk with a treatment provider today.
There are many national and local services to help pay for the out-of-pocket expenses you have incurred during recovery.
Jeffrey Juergens earned his Bachelor’s and Juris Doctor from the University of Florida. Jeffrey’s desire to help others led him to focus on economic and social development and policy making. After graduation, he decided to pursue his passion of writing and editing. Jeffrey’s mission is to educate and inform the public on addiction issues and help those in need of treatment find the best option for them.
Reviewed by Certified Addiction Professional
A survivor of addiction himself, David Hampton is a Certified Professional Recovery Coach (CPRC) and a member of the National Association of Alcohol and Drug Abuse Counselors (NAADAC).
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