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United Healthcare Insurance

United Healthcare Insurance

United Healthcare Insurance, Coverage, Addiction Resources, & FAQs

United Healthcare Rehab Insurance For Addiction Treatment 

United Health Group (also known as UHC or United Healthcare) typically does cover drug and alcohol rehab and other substance abuse treatment programs. However, United Health Group insurance coverage can vary in range and scope depending on a member’s specific coverage plan, location, and chosen provider. 

Multiple rehab centers accept United Healthcare insurance across the United States. In addition, United Healthcare substance abuse benefits are generally recognized and authorized at most We Level Up facilities. We Level Up offers treatment for substance abuse and co-occurring health issues in states across the country.

The Affordable Care Act (ACA) requires that health insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction), so United Healthcare does cover substance abuse treatment. [1] United Healthcare Group insurance may cover a part of the cost of a rehab treatment program, if not all of it.

United Healthcare Insurance
Before you decide which rehab center might be best for your needs, it’s important to check your insurance benefits to understand what costs are covered by your insurance provider, and which ones you are responsible for. 

United Healthcare Rehab Insurance 

United Health Group is the largest single health carrier in the United States, comprises two companies—United Healthcare and Optum—and offers healthcare plans in all 50 states and 130 countries. United Healthcare provides healthcare coverage and benefits services; Optum offers information and technology-enabled health services. [2]

UHC is a global healthcare company that provides insurance to about 45 million people around the globe. While coverage does depend on the plan, UHC does provide substance abuse coverage for everything from medical detox to inpatient rehab to outpatient recovery.

United Healthcare Policy Coverage For Substance Abuse 

Those looking into rehab programs may be wondering if UHC insurance will cover addiction treatment. While it may depend on your coverage, generally, UHC insurance covers help for most popular drugs and substances, including alcoholism treatment, opioid use disorder treatment, cocaine addiction treatment, meth addiction treatment, benzo abuse treatment, and more.

Because mental health is a common co-occurring disorder that affects and sometimes causes addiction issues, it is common for healthcare organizations to cover behavioral health treatment alongside substance abuse. For this reason, it is crucial to find a treatment center that offers dual diagnosis treatment programs. 

United Healthcare Rehab Insurance Coverage For Inpatient Treatment

Inpatient and outpatient treatment programs usually involve the 12-step program used by Alcoholics Anonymous (AA) and Narcotics Anonymous (NA). In addition, treatment may include group therapy, one-on-one counseling, drug and alcohol education, medical care, and family therapy.

Your doctor or counselor will help you decide whether you should have inpatient or outpatient treatment. The choice may depend on:

  • How severe is your substance use disorder is.
  • Your mental health.
  • Your family support.
  • Your living situation.
  • How the treatment will be paid for.

Inpatient treatment may be part of a hospital program or found in special clinics. You’ll sleep at the facility and get therapy in the day or evening.

Inpatient treatment may be a good option if:

  • You’ve tried outpatient treatment but it didn’t work.
  • You have other physical or mental health problems.
  • Your home situation makes it hard to stay away from drugs or alcohol.
  • You don’t live near an outpatient treatment clinic.

You may stay for 1 to 6 weeks, depending on how your recovery is going. After inpatient treatment, you should go to outpatient treatment for more counseling and group therapy. Inpatient treatment also may be residential, which means you stay at the facility for months.

Inpatient rehab coverage depends solely on the type of United Healthcare plan you have and the state you reside in. In addition to individual and family insurance plans, UHC offers short-term medical plans, which may also cover a substance abuse treatment program.

The healthcare plans offered through United Healthcare vary from state to state and provide several tiers of coverage, but United Healthcare generally provides three levels of care.

  • United Healthcare Choice: offers in-network coverage with 895,000 plus providers nationwide. There is no coverage for out-of-network providers.
  • United Healthcare Choice Plus offers cost savings to stay in the United Healthcare network and provides less coverage for out-of-network providers.
  • United Healthcare Options PPO: This offers savings for out-of-pocket costs when using a member of the preferred provider network.

Location is generally not a barrier to seeking treatment with United Healthcare, as long as you choose an in-network provider. With United Healthcare Choice Plus or United Healthcare Options PPO, you can still choose an out-of-network provider, but the co-pay will be higher.

For Optum Care, which is available in select states, primary care is available through primary care physicians and specialists. For example, in Nevada, Optum Care works with Medicare Advantage recipients. In Massachusetts, Optum Care works with the Reliant Health network of physicians. In both cases, the networks accept a multitude of insurance plans.

United Healthcare Addiction Resources

To ensure those recovering from drug and alcohol addiction receive 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 provider.

United Healthcare Insurance
Inpatient rehab is the highest level of care for substance abuse treatment

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.

United Healthcare Coverage For Inpatient Treatment

Inpatient rehab coverage depends solely on the type of UnitedHealthcare plan you have, as well as the state you reside in. In addition to individual and family insurance plans, UnitedHealthcare offers short-term medical plans which may also cover a substance abuse treatment program. Find information below in regards to short-term plan coverage.

Inpatient Rehab Service And Costs

As part of UnitedHealthcare’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 UnitedHealthcare’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.

United Healthcare Coverage For Outpatient Treatment

United Healthcare’s outpatient rehab coverage is very similar to the inpatient benefits offered. One 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.

Frequently Asked Questions about UnitedHealthcare health insurance coverage for rehab

How can I verify my UnitedHealthcare health insurance benefits?

Verifying your UnitedHealthcare insurance benefits is easy at We Level Up. Get accurate, up-to-date information regarding your policy and coverage for rehab by calling us now or filling out the confidential form on this page. You will need to have the following information ready when you call or fill out the form:

  • Company name of your insurance provide
  • Your member ID number
  • Your date of birth
  • Your insurance provider’s telephone number (found on the back of your insurance card)
How much does it cost to verify my benefits and begin the admissions process at We Level Up?

The insurance verification process at We Level Up is a free service we provide to make the treatment-seeking process easier and less complicated for you. We are happy to contact United Healthcare on your behalf, free of charge. Suppose we find that our addiction treatment services will not meet your or your loved one’s needs during the initial insurance and admissions screening process. In that case, we will provide alternative suggestions for qualified treatment.

Who else will be notified when I verify my UnitedHealthcare insurance benefits?

No one else on your insurance policy will be notified when you verify your medical benefits through We Level Up. This process is completely confidential when completed online or over the phone.

Do I have to commit to treatment at We Level Up if I complete an insurance benefits verification?

You have no obligation to enroll in drug and alcohol rehab at We Level Up, even if we verify your insurance benefits for you. This is done with no strings attached as a complimentary service to you.

We Level Up Makes It Easy to Verify Your United Healthcare Insurance Benefits for Drug Rehab

We understand that combing through the United Healthcare Insurance policy can be challenging, time-consuming, and frustrating. Fortunately, you don’t have to do it alone. At We Level Up, our admissions staff works with many UHC customers during the admissions process.

Once we determine the appropriate level of care for you or your loved one, we will quickly verify your insurance benefits and have an open and honest conversation with you about the cost of drug rehab and your United Healthcare insurance coverage options.

United Healthcare Insurance
UHC health insurance policies generally offer coverage for various addiction treatment and drug rehab services.
Sources:

[1] SAMHSA – https://www.samhsa.gov/about-us/who-we-are/laws-regulations

[2] UHC– https://www.uhc.com/member-resources/health-care-programs/substance-use