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United Healthcare Insurance

United Healthcare Insurance

United Healthcare Insurance

As one of the nation’s largest health insurance providers, United Healthcare offers an array of policies with varying degrees of coverage. While the vast majority of United Healthcare plans provide assistance for addiction treatment, the payment of services and upfront costs fluctuate based on the policy and location.

United Healthcare Insurance For Addiction, Substance Abuse & Mental Health Treatment

United Healthcare supports those who are looking to recover from a drug or alcohol addiction. United Healthcare works with an individual’s needs to find nearby treatment services. United Healthcare insurance policies have different options for Detox, Inpatient, and Outpatient rehab, as well as other mental health services to help on your path to recovery. Depending on your individual United Healthcare insurance plan, your inpatient and outpatient rehab coverage will vary.

United Healthcare Insurance For Addiction Treatment

Many United Healthcare plans provide assistance for drug and alcohol treatment services. Upfront costs of recovery programs may fluctuate based on your individual United Healthcare policy and your state of residence.

Insurance coverage

Insurance coverage varies with each plan, recovery services may include:

  • Drug rehabilitation
  • Alcohol rehabilitation
  • Detoxification
  • Counseling for addiction treatment
  • Mental Health Treatment

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.

Addiction Resources-Akua
Insurance Policy Coverage For Substance Abuse

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. To discuss your coverage options for treatment with a treatment provider, click here for a free and confidential phone call.

United Healthcare Coverage for Mental Health Treatment

Mental illness affects millions of Americans, and is common among those with substance abuse issues. Insurance providers are legally required to cover mental health services. In many cases, mental health problems can co-occur with substance use, so it is important to address mental health concerns if you are seeking care for substance misuse and addiction.

mental health

United Healthcare’s yearly preventative care visits include screening and counseling in a primary care setting for alcohol and substance abuse.

United Healthcare typically covers individual therapy sessions for people with substance abuse issues and other mental health conditions. United Healthcare may cover therapy fully or partially depending upon the member’s plan.

United Healthcare Coverage For Inpatient Treatment

Inpatient rehab coverage depends solely on the type of United Healthcare plan you have, as well as the state you reside in. In addition to individual and family insurance plans, United Healthcare 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 United Healthcare’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 United Healthcare’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.

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Do Treatment Centers Need To Be In-Network?

No, oftentimes treatment centers are not required to be in-network. However, some plans will require a steeper coinsurance percentage or copays in order to see a provider that’s not in your network. Other plans may not cover out-of-network services altogether, leaving you responsible for the costs.

Treatment centers do not always need to be in-network. However, check with a United Healthcare representative to determine your out-of-network coverage and the costs you will be responsible for.

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How Can I Pay the Costs Not Covered By My United Healthcare Plan?

Worrying about paying the costs of addiction treatment is an understandable concern, but it doesn’t have to stop you from getting help. For help verifying your insurance plan and finding treatment solutions, talk with a treatment provider today. There are many national and local services to help pay for the out-of-pocket expenses you have incurred during recovery.

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FAQ: Common Questions About Rehab

It’s important not to let costs of treatment deter you from getting help you need. Many alternative methods are available to help with addiction treatment expenses.

Akua Behavioral Health offers addiction treatment programs in a residential, community-based setting. Our clients stay in our home-like program, with 24-hour supervision to ensure their safety and comfort. Inpatient drug rehab gives clients the best chance at lasting recovery through highly-structured care for those struggling with drug, alcohol and/or their mental health.

Many clients stop experiencing withdrawal symptoms 3 to 7 days after starting our detox program. While the experience may vary due to various factors, Akua Behavioral Health is committed to providing our clients with safe and comfortable detox.

Akua Behavioral Health works with most major insurance plans to ensure quality addiction treatment is accessible for our clients.

Request a Call

Speak with your insurance provider to get more information. United Healthcare’s 24-hour phone line allows customers to connect with a member services professional who can provide the answers you need about your policy’s coverage.

Other Insurance Plans we Accept

AKUA works closely with most HMO, EPO and PPO insurance plans including AmeriHealth, Humana, Allcare Health, Highmark, UPMC Health Plan, and are In-Network with Anthem Blue Cross, Aetna, Cigna, HealthNet, Blue Cross/Blue Shield, Magellen, HMC Health Works, Tricare, Western Health Advantage, Prime, Multi Plan, Triwest, and more.

AKUA Payment Options

Our goal is to provide the best-in-class treatment at an affordable price. We take Insurance, Private, Self-Pay and offer partial Scholarships.
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