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United Healthcare Insurance
If you are struggling with substance abuse addiction, you may have a specific healthcare provider that requires you to go to rehab centers that accept United Healthcare. Many United Healthcare plans can provide monetary assistance to pay for drug or alcohol rehabilitation services. The cost of the program will differ depending on your policy and state of residence.
Which Rehab Centers Accept United Healthcare Insurance?
If you are a member of one of the nation’s largest health insurance providers, United Healthcare, you may be searching for rehab centers that accept United Healthcare. United Healthcare offers many different policies with different forms of coverage, but most offer help with addiction treatment. You will need to ask a treatment center if they accept United Healthcare Insurance.
Are All United Healthcare Drug Rehab Providers “In-Network?
All rehab centers that accept United Healthcare do not need to be in-network. In these cases, it is good to note that they may require a larger copay. You also may not be on a plan that covers out-of-network services. In this case, you will be responsible for the total costs.
What do United Healthcare Alcohol Rehab Policies Cover?
Most rehab centers that accept United Healthcare offer both drug and alcohol addiction services.
Your inpatient rehab coverage will depend on the type of United Healthcare plan you have. It will also depend on your state of residency. Substance abuse programs can be covered on individual plans, family plans, and short-term medical plans.
Inpatient Rehab Costs
Almost all United Healthcare’s short-term medical plans include substance abuse programs. The lowest premium plan, known as Short Term Medical Value, is the only plan that does not cover anything related to drug and alcohol abuse treatment. Despite this, all the other short-term plans do provide some assistance.
Most of these plans carry a 20-30% deductible. Be prepared to pay a deductible anywhere from $1,000 to $10,000. After the deductible has been met, then your United Healthcare insurance will begin. Many of these plans do carry a term maximum of $3,000. This means that after that amount, you will be responsible for any other treatment costs.
Rehab centers that accept United Healthcare follow their outpatient rehab coverage. This coverage is like their inpatient coverage, meaning that costs may vary.
Outpatient Rehab Costs
Similarly, United Healthcare’s short-term outpatient coverage involves 20-30% coinsurance after deductible. If you choose to book an individual outpatient doctor visit, you will receive up to $50 per visit. Once again, there is a $3,000 policy term maximum.
Do I Need Rehab?
There are a few signs that you may need to go to rehab, which includes:
The Drug is Your Main Priority
One straightforward way to know if your drug use is out of control is when your drug use consumes your thoughts, time, and effort to obtain the drug. Additionally, as your addiction becomes worse, you may stop pursuing responsibilities or activities instead of drug usage. You may notice that you do not want to spend time with family or friends, and you may be avoiding work or school.
Your Health is Affected
Substance abuse can affect not only your physical health but your mental health. The consequences of using drugs can be mild, but they can also be fatal depending on the type and quantity of drugs you abuse.
You Need a Lot of the Drug to Become High
When you first take a drug, you are not used to its effects. As you begin to take the drug more often, you will need more and more to feel the same effects. Over time your body develops a tolerance. As tolerance grows, you will require more and more.
You Have Tried to Stop the Drug Multiple Times
Addiction is a condition that typically includes highs and lows, as well as relapses and recovery. Committing to sobriety is an essential part of recovery. If you are unable to do this, then you have an addiction.
How Do Rehab Centers That Accept United Healthcare Handle Mental Illness?
People become addicted to drugs for many different reasons. Some people become addicted to substances while trying to self-medicate. Many drugs alter your mind and modify how you think, behave, and feel, but sometimes this goes too far. Although you may have anxiety, not every anxiety drug is going to work for you. Some medications can even trigger or worsen mental health symptoms, leading to further addiction.
If you have both a mental health disorder and a substance abuse problem, you have a co-occurring condition. Treating a co-occurring condition is much more complex than treating addiction alone. In this case, you will need to go to a facility that supports both achieving sobriety, as well as your mental illness. When you have a co-occurring disorder, you also have a higher chance of relapse. Specialized care will help you get what you need to maintain your sobriety for the rest of your life.
Do you want treatment but are worried about how you can pay for it? We have a team of financial professionals who provide free insurance verification. We will work with you to determine how to move forward with the treatment in a way that works for you and your financial situation.
How to Get Help
Are you suffering from addiction? At Resurgence Behavioral Health, we understand your struggle with addiction. Our caring staff is prepared to help you break the cycle. Call 855-458-0050 to schedule your consultation. Together, we will help you beat your addiction so you can live a healthier, happier, and addiction-free life.