United Healthcare Insurance for Addiction Treatment
The UnitedHealth Group is one of the country’s leading providers of managed health care products and insurance services. In terms of revenue, it is the largest healthcare company in the world, with over $226 billion in revenue in 2018.
UnitedHealth’s size allows it to provide numerous plans for drug and alcohol treatment services. With regard to upfront costs, recovery programs may vary depending on your individual policy and location. It has a dedicated division known as United Behavioral Health that handles confidential services for individuals suffering from substance abuse.
What services are included in its policies?
The company’s drug and alcohol addiction services included in its policies consist of inpatient hospital detoxification, outpatient detoxification, inpatient rehabilitation, outpatient alcohol, and drug abuse rehabilitation.
PPO network policies often offer a broad range of substance abuse treatment facilities compared with other providers. Keep in mind though that some policies may have pre-certification requirements depending on the services and whether it is an inpatient or outpatient program.
Do treatment centers need to be within the network?
There are some plans that may not cover out-of-network services, but there are also those that allow treatment centers outside their network. Keep in mind, however, that they would likely ask for steeper coinsurance or copay rates.
What much can UnitedHealthcare’s coverage for inpatient treatments?
Inpatient rehab coverage will depend on the type of plan you have and where you are in the county. Substance abuse treatment plans are one of the short-term medical plans it offers to clients.
UnitedHealthcare’s short-term medical plans provide some assistance to policy holders in covering substance abuse programs. The only exception to this is its lowest premium plan, which does not cover expenses related to the treatment of drug and alcohol abuse.
The company’s short-term and more comprehensive plans have a deductible rate of around 20-30%. Insurance takes effect after paying your deductible. Take note that these policies carry a maximum term of $3,000. What this means is that you will be responsible for anything above that amount.
How about its outpatient coverage?
UnitedHealthcare’s outpatient rehab coverage is almost identical to its inpatient benefits in that its short-term plans offer some level of coverage for drug and alcohol rehabilitation. The company’s short-term plan has a deductible rate of 20-30% in coinsurance. Patients are limited to $50 when visiting doctors for outpatient visits and $3,000 in maximum policy term per covered member.
I need help with my UnitedHealthcare policy. Whom can I talk to?
We at Resurgence know that addictions can be effectively treated, as we help families to recover every single day in our facility. We offer inpatient and outpatient care for addiction and our aftercare approach ensures that you have the tools you need to maintain sobriety when formal treatment is through.
If you need help with your treatment, call us at 855-458-0050 so we can check with your PPO and determine the right treatment for you.