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United Healthcare Insurance for Addiction Treatment

Many United Healthcare plans provide assistance for drug and alcohol treatment services. Upfront costs of recovery programs may fluctuate based on your individual United Healthcare policy and your state of residence.

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Treatment Center Locator

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Right Path Addiction Treatment Centers

Virginia Beach, VA

Multiple Levels of Care

855-982-0704

Banyan Delaware

Milford, DE

Full Spectrum of Care

855-925-2492

MeadowWood Behavioral Health

New Castle, DE

Multiple Levels of Care

855-609-4051

Boca Recovery Center – New Jersey

Galloway, NJ

Full Spectrum of Care

855-628-9076

Ambrosia Treatment Center – Northeast

Philadelphia, PA

Multiple Levels of Care

866-970-0918

Mount Regis Center

Salem, VA

Multiple Levels of Care

877-539-2026

Banyan Philadelphia

Philadelphia, PA

Full Spectrum of Care

855-661-4722

SOBA New Jersey

New Brunswick, NJ

Multiple Levels of Care

888-341-1174

White Deer Run

Allenwood, PA

Multiple Levels of Care

877-638-3697

Clearbrook Treatment Centers

Laurel, PA

Full Spectrum of Care

855-661-4722

Rebound Behavioral Health Hospital

Lancaster, SC

Multiple Levels of Care

855-336-7623

Newport Academy – Teen Rehab Center

Bethlehem, CT

Multiple Levels of Care

833-768-7536

Asheville Recovery Center

Asheville, NC

Multiple Levels of Care

877-542-1138

Mountainview Recovery

Asheville, NC

Multiple Levels of Care

877-691-1098

Recovering Champions

Falmouth, MA

Outpatient

855-980-4625

Bedrock Recovery Center

Canton, MA

Multiple Levels of Care

877-401-1084

United Healthcare Insurance

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’s yearly preventative care visits include screening and counseling in a primary care setting for alcohol and substance abuse.

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.

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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.

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.

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.

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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.

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With just 30 days at a rehab center, you can get clean and sober, start therapy, join a support group, and learn ways to manage your cravings.

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.

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How Can I Pay the Costs Not Covered By My United Healthcare Plan?

Worrying about paying 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 providers 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.

There are many national and local services to help pay for the out-of-pocket expenses you have incurred during recovery.

For help verifying your insurance plan and finding treatment solutions, talk with a treatment provider today.