United Healthcare Drug Rehab Coverage

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Drug and Alcohol Addiction Treatment Under United Healthcare Insurance

Addiction and mental health treatment is a complex process that can be costly. Luckily, many drug and alcohol rehab centers accept health insurance plans such as Unite Healthcare.

UnitedHealthcare (UHC) is an insurance company serving over 45 million individuals globally. Its network has more than 1.2 million physicians and about 6,500 healthcare facilities in the United States.

Most people with United Healthcare insurance plans have substance use disorder (SUD) treatment coverage. However, insurance policies are often murky, making it difficult to ascertain which treatments are covered and how much you would be responsible for paying out of pocket.

At Resurgence Texas, we accept most health insurance plans such as UHC, and offer United Healthcare drug rehab coverage for all levels of care. Read on to learn more about United Healthcare substance abuse treatment coverage at our mental health and addiction rehab facility!

Does United Healthcare Group Cover Addiction Treatment?

Commonly known as United Healthcare or UHC, UnitedHealth Group provides healthcare coverage in all 50 states in the U.S. and 130 countries through its two divisions, United Healthcare and Optum. Optum delivers information and technology-enabled health services, while United Healthcare specializes in healthcare coverage and benefits.

United Healthcare Group does provide at least some coverage for inpatient and outpatient drug and alcohol treatment services. However, the amount of coverage can vary greatly depending on your state of residence, whether the rehabilitation facility is in or out of network, the length of your stay, and the insurance plan level you have.

Private health insurance companies like UHC provide substance abuse treatment services because the Affordable Care Act (ACA) mandates that insurance providers offer mental health services, which include substance use disorder rehab. United Healthcare Group insurance may cover some or all your rehabilitation expenses.

Your coverage level depends on where you live, whether or not the treatment facility is in your insurance network, how long you want to stay in rehab, and how much coverage you have. Drug and alcohol addiction treatment costs can differ significantly from one individual to the next and from one rehabilitation facility or recovery program to another.

United Healthcare Insurance Coverage Levels

United Healthcare offers a vast range of healthcare services, including the following:

• Group benefit plans: These are plans offered by your employer.
  • Open access plans: These plans limit you from getting care within the company’s network. Open access plans offer fixed copayments, low out-of-pocket costs for consideration within the UHC network, and optional additional insurance benefits.
  • Preferred provider organization (PPO): These plans cover visits to healthcare providers outside the preferred provider network at a higher cost.
• Affordable Care Act plans.
• Individual and family plans are generally supplemental insurance plans to fill gaps between insurance or provide additional coverage to group benefits or ACA plans. These include short-term insurance and insurance bundles that allow customers to choose their preferred United Healthcare coverage.
• Government plans such as:
  • Medicare plans for people aged 65 years and older.
  • Medicaid plans are available to qualifying low-income Americans.

Most healthcare plans require you to pay a deductible—a fixed-dollar amount you have to pay per year before your insurance begins covering costs—when you opt for treatment. Once your deductible is met, most types of treatment require a copayment for outpatient services.

Coinsurance, the portion of your medical expenses you are responsible for, is typically included in most plans. For example, if your coinsurance percentage is 20%, that’s the percentage you’ll pay, while United Healthcare insurance covers the remaining 80%.

Your out-of-pocket limit is another essential cost aspect of your United Healthcare insurance plan you must consider. This term refers to the maximum dollar amount you’ll pay for healthcare for the whole year, and it includes all your network payments.

United Healthcare Plans

Different states and organizations offer a wide variety of United Healthcare insurance options. However, most group insurance plans fall into one of the following categories:

· United Healthcare Choice:

This plan only covers healthcare providers inside the UHC network.

· United Healthcare Choice Plus:

You can go to providers outside the plan’s network if you need to, but you’ll have to pay more out of pocket with this open-access plan.

· United Healthcare PPO:

This plan allows you to visit any doctor or medical center you like. If you decide to receive care from a non-network provider, you must first get prior clearance and then submit claims to be reimbursed. Non-network care increases out-of-pocket expenses.

Services for both mental health and SUDs are included at every tier. United Healthcare PPO plans cover medical care at non-network providers, although it’s usually cheaper to go to a provider in your insurance’s network.

United Healthcare’s health insurance coverage for SUDs may vary from plan to plan. However, in most cases, UHC’s drug treatment programs will pay for:

• Inpatient treatment through 28- or 30-day, 60-day, and 90-day programs
• Partial hospitalization programs (PHP)
• Residential care
• Outpatient treatment

Ensure your Mental Health and Substance Abuse (MH/SA) Administrator has approved your treatment before beginning any recovery program.

United Healthcare Group Covers Various Addiction Treatment Options

Substance abuse treatment is crucial to your recovery. The severity of your drug addiction will determine the best course of action. Addiction treatment may begin at one level and progress to other levels until the patient no longer needs it. Below are the most common treatment options covered by UHC:

Medical Detox

Detoxing from substances like alcohol and narcotics can be brutal and even fatal without professional support. When detoxing from drugs or alcohol, having constant medical monitoring makes the process much safer. Doctors may prescribe you medicine, such as Methadone, to help ease your withdrawal symptoms.

Residential Treatment or Inpatient Rehab

Inpatient or residential rehab involves living at the treatment center where you’re receiving drug rehab during treatment. The average time spent in an inpatient facility is fifteen to ninety days. However, this can vary widely from program to program and patient to patient.

Partial Hospitalization Program (PHP)

Patients enrolled in partial hospitalization programs can continue living at home while receiving necessary medical care throughout the day. This is the best treatment program for people who need treatment without interfering with their work, school, or home responsibilities.

Intensive Outpatient Program (IOP)

Attending a drug treatment program on an intensive outpatient basis entails treatment sessions on a few evenings each week. You can continue living at home and maintaining your routines while participating in an intensive outpatient program.

Outpatient Rehab Programs

After inpatient treatment, many people choose to continue their recovery with the help of an outpatient program. Outpatient care often involves spending about 10 to 12 hours each week at the rehab center.

What to Do if UHC Doesn’t Cover All of Your Rehab Expenses

Don’t lose hope if your health insurance doesn’t cover drug rehab. Many facilities, including Resurgence, provide payment arrangements to help you afford the help you need. People in recovery might also receive assistance from government initiatives. Many drug addiction treatment centers will work with you to find payment and insurance options that meet your needs.

Addiction treatment can be expensive, but there are other ways to get the money you need to pay for it. Finding a rehab center that offers a sliding scale or other flexible payment options is possible with some research. Also, some rehab facilities provide financial aid in the form of scholarships. If neither of those is an option, you may ask close friends or relatives for a loan.

What your plan covers and in what detail will depend on the insurance policy you select. If your insurance doesn’t pay for everything, you still have options.

Having access to the care, you require to overcome your addiction is of utmost importance. Health insurance is a complex topic with much information available, some of which may be difficult to understand.

Call one of our admissions navigators if you need assistance navigating this information and securing the necessary substance addiction treatment. They can assist you in mapping out your strategy and direct your inquiry to locate an appropriate drug treatment program near you.

United Healthcare Drug Rehab at Resurgence Texas

Drug abuse often has devastating effects on your health, work life, and relationships. Rehab treatments are available to people from all walks of life because our rehab centers accept United Healthcare insurance for SUD treatment.

We offer different evidence-based treatment programs for mental health and addiction. At Resurgence Texas, we cater to the individual needs of each patient. Reclaim your life from addiction by checking into our rehab center in Texas. Our dedicated staff will be there for you when you need help throughout your rehabilitation stay.

Dial 888-231-2269 right now to verify insurance and get information about addiction treatment for you or a loved one struggling with substance abuse or mental health issues.

FAQ About United Healthcare Insurance Coverage

Below are some frequently asked questions about United Healthcare drug rehab

Does United Healthcare Cover Mental and Behavioral Health Services?

Substance abuse treatment is generally ineffective if not accompanied by mental health care. About 50% of people battling substance use disorders also have a mental illness. This simultaneous diagnosis of SUD and mental health disorders is known as dual diagnosis.

According to the National Alliance on Mental Illness (NAMI), about 9.5 million Americans struggle with substance abuse and mental health issues. Mentally ill people usually have a higher propensity for substance addiction than the general population. The National Institute on Drug Abuse states that those with serious mental illness were more likely to be heavy alcohol users, regular marijuana users, and users of other substances.

Because of this, NAMI advocates for a holistic method of treatment. So you’ll need to find a rehabilitation center that caters to clients with dual diagnoses, like Resurgence Texas.

Addiction and other mental health issues are now mandated to be covered by insurance policies according to the Affordable Care Act. The Affordable Care Act requires coverage for treating co-occurring disorders and drug addiction.

Does United Healthcare Cover Long-Term Rehab?

Drug addiction treatment aims to help the patient prevent a relapse. The success of your rehabilitation depends heavily on how long you can devote to the process. We know that the longer you stay linked with a rehab clinic, the better off you will be, although the exact length of time depends on the drug used and the length of time the patient has been abusing it.

The National Institute on Drug Abuse recommends a minimum of 90 days in treatment. There is a wide variety of policies, coverage options, and tiers available from UHC. Verify your insurance policy’s coverage period since it varies widely from one plan to the next.