United Healthcare Insurance Coverage for Drug & Alcohol Rehab Treatment

United Healthcare Insurance is one of the large health insurance companies in the U.S. It features different health insurance plans, each with its own coverage amounts, copays, deductibles, and stipulations. If you are struggling with a substance use disorder and have United Healthcare Insurance, you should be entitled to either full or partial treatment coverage depending on your policy. Resurgence Behavioral Health accepts United Healthcare Insurance. We offer multiple treatment programs designed to help clients manage their addiction successfully. 

What Is United Healthcare Insurance and How Does It Work?

United Healthcare Insurance offers medical insurance for healthcare needs. However, each of its plans works differently from another and features different coverage amounts. In some cases, an individual is required to pay for their medical care up to a certain amount–their deductible–before United Healthcare Insurance begins to pay for the cost of treatment in excess of that amount. In some cases, payment for treatment from the insurance provider occurs right away. Navigating medical insurance coverage can be difficult since plans can differ so widely even with the same insurance company. Fortunately, United does offer coverage; the issue for many policyholders is simply to determine how much coverage they are entitled to and at what point the coverage may be applied.

What Are United Healthcare’s Types of Plans?

United Healthcare Insurance offers numerous health insurance plans that include:

• Short-term insurance
• Tri-term insurance
• Student insurance
• Workplace insurance coverage
• Individual and family ACA (Affordable Care Act) marketplace coverage 
• Self-employed insurance

Within the above categories, there are different insurance network plans that include: HMO, PPO, POS, and EPO insurance plans. Some of these plans are associated with in-network coverage requirements. Other plans allow patients to seek out-of-network treatment providers. 

Rehab Facilities That May Accept United Healthcare 

As a major insurer, United Healthcare Insurance is widely accepted by addiction treatment centers. Resurgence Behavioral Health accepts United Healthcare Insurance plans. You can contact us at 855-458-0050 to discuss your insurance plan’s coverage specifics. Our insurance specialists will help you determine coverage amounts and other questions associated with your insurance coverage for substance abuse treatment.

Does United Healthcare Cover Rehab Treatment?

Yes. United Healthcare Insurance covers addiction rehab treatment. This coverage applies to inpatient and outpatient substance abuse treatment. However, coverage amounts vary by individual plans. Your United Healthcare Insurance plan may provide more coverage than someone else’s. When coverage begins for treatment also may depend on certain out-of-pocket requirements. For instance, some plans require a covered individual to pay for their deductible; only when they reach a certain payment threshold will their plan ‘kick in’ and provide the additional coverage for treatment. Also, coverage amounts vary depending on in-network and out-of-network providers. 

How to Check Your United Healthcare Insurance Coverage

To check your United Healthcare Insurance coverage, you can call the number on your insurance card to speak with a United representative. This person will help you understand your coverage amounts and when they may be applied to the cost of your treatment. If you prefer, you can also contact Resurgence Behavioral Health. We can verify your insurance and help you determine the coverage specifics of your plan as they relate to substance abuse treatment. 

What Does United Healthcare Insurance Cover?

United Healthcare Insurance covers approved medical treatments. Generally, the company’s plans cover emergency room visits, hospitalization, preventative and non-preventative medical care, lab work, and more. Mental and behavioral healthcare are included in medical treatments. Generally, insurers do not cover elective procedures such as cosmetic surgery or alternative medicine therapies. If you have questions about what your insurer covers, you can contact them. By providing the representative with your insurance plan specifics (located on your insurance card), you can obtain the information you need. 

Does United Healthcare Insurance Cover Mental Health & Substance Abuse Treatment?

Yes. United Healthcare Insurance does provide mental health and substance abuse treatment. With the passage of the Affordable Care Act, insurers must adhere to certain legal mandates such as providing coverage for preexisting conditions and meeting minimum coverage thresholds for mental healthcare and substance abuse treatment. Depending on your United plan, your coverage for mental and behavioral healthcare may involve full or partial coverage for your treatment. Many of United’s insurance plans far exceed minimum coverage thresholds. To find out your coverage amounts, you can contact United or Resurgence; we can also verify your coverage specifics.

Does United Healthcare Insurance Cover Inpatient Rehab?

United Healthcare Insurance does offer inpatient rehab coverage. How much coverage for inpatient treatment depends on the individual plan and the location of the treatment. Some plans like HMOs may require members to obtain inpatient care at in-network facilities. However, United policyholders should expect inpatient coverage that extends to inpatient medical detox and inpatient / residential rehab treatment. 

Does United Healthcare Insurance Cover Intensive Outpatient Treatment?

Yes. United Healthcare Insurance provides coverage for outpatient treatment programs such as Intensive Outpatient (IOP) plans. An IOP is a flexible type of outpatient care that involves about 10 hours of therapy per week for the duration of the plan, usually either 30, 60, or 90 days. Many people prefer IOPs because they can continue to work, go to school, or care for their families while getting the substance abuse treatment they need to manage their addiction. 

Does United Healthcare Insurance Cover Partial Hospitalization?

Yes. United Healthcare Insurance covers partial hospitalization (PHP) plans. Coverage amounts vary by plan, but patients can generally expect full or partial coverage. PHP plans are outpatient treatment plans that require clients to attend therapy sessions for about 20 hours each week. The programs generally last 30, 60, or 90 days. PHP programs provide a high degree of clinical support, but not 24-hour support as an inpatient treatment program would. Clients are able to return home after their therapy.

How Long Will United Healthcare Insurance Cover Rehab?

The length of time that United Healthcare Insurance will cover someone’s treatment depends on their plan’s specific coverage allotments. As a major insurance provider, United offers similar coverage levels as other major carriers. For instance, many companies offer up to 6 weeks of inpatient addiction treatment and up to 12 weeks for outpatient treatment. You can contact the company or Resurgence to find out what your specific plan will cover in terms of time and cost. 

United Healthcare Insurance May Offer Treatment Coverage for the Following Addictions

United Healthcare covers illicit drug abuse treatment, prescription drug abuse treatment, and alcohol abuse treatment. In short, this insurance provider covers any form of substance abuse treatment either partially or in full. It also covers dual diagnosis treatment, mental healthcare, and medical detox.

What Are the Options If United Healthcare Insurance Does Not Cover the Cost of Rehab?

If your United Healthcare Insurance has lapsed or does not cover your substance abuse treatment, you can contact us for information about alternative methods of payment. We can also help you determine why your insurance coverage may no longer be covering the rehab treatment you need.

Verify Your Insurance with Us

When it comes to determining insurance coverage, the quickest way to get answers is to contact Resurgence Behavioral Health. Our insurance specialists can verify your insurance and determine your plan’s specifics when it comes to substance abuse treatment and mental health treatment. We routinely investigate insurance plans to provide policyholders with the specific information they need to know. We’re familiar with the major insurance carriers like United Healthcare Insurance and their plans. We can verify your insurance and answer all of your questions about the coverage you’re entitled to according to your specific insurance plan.

Next Steps with Insurance Coverage for Rehab Treatment with Resurgence Behavioral Health

Once you let Resurgence verify your insurance and you understand the coverage you’re entitled to, you can focus on what’s most important–getting the treatment you need to effectively manage your addiction. We offer many different treatment plans and therapies. United Healthcare Insurance does provide coverage for the types of treatment plans and therapies we offer. 

Depending on your needs, you may enroll in an inpatient or an outpatient treatment program. Once we verify your insurance, you can undergo our streamlined onboarding process. We’ll provide you with a psychological assessment in order to recommend the ideal treatments for you. Many clients also have a mental health condition and will need dual diagnosis treatment (also covered by United Healthcare Insurance). The assessment helps us provide you with an individualized course of treatment.

Many clients begin their recovery journey with medical detox, which lasts about a week. Detox targets the physical dependence of addiction and is covered by medical insurance plans–either partially or in full. After detox, clients can begin their rehab treatment plan that addresses the psychological and behavioral aspects of their condition. 

Contact Resurgence Behavioral Health if you have more questions about your insurance coverage or if you would like information about alternative methods of payment. The sooner you begin treatment, the sooner you can put drug or alcohol abuse behind you.