Does United Health Care Pay for Alcohol or Drug Rehab Programs?
Addiction treatment and other forms of substance misuse therapy are frequently covered by UnitedHealth Group Insurance. However, the specifics of UnitedHealth Group insurance coverage might differ based on the member’s coverage plan, the member’s region, and the member’s selected provider.
Learn more about rehabs that take United Healthcare policies now, and how Catalina Behavioral Health can offer you coverage and top addiction treatment in Arizona now!
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The Basics of UnitedHealthcare Insurance Group
UnitedHealthcare and Optum make up UnitedHealth Group (often abbreviated as UHC), which provides healthcare coverage in all 50 states and more than 130 countries worldwide.
Over 28 million Americans have their health coverage via UnitedHealth Group. UnitedHealth Group was founded in 1974, and since then, it has expanded and changed to reflect advances in healthcare technology.
Does United Healthcare Insurance Cover Substance Abuse Treatment?
As was previously noted, United Healthcare Insurance is accepted by a wide variety of drug rehab facilities around the country. In all 50 states, there are many rehabs that take United Healthcare Insurance. This gives you a large number of options for drug rehab and facilities that offer varying forms of care.
Attending Drug Rehab to Address Substance Abuse
Most addiction treatment stays begins with medical detox. The detox process is the body’s way of getting rid of any drugs or alcohol that may still be in the system.
Withdrawal symptoms are a common side effect of this, and they can range from annoying to potentially fatal. Detoxing under medical supervision is necessary, and luckily your UHC plan will pay for it as long as it is among rehabs that take United Healthcare plans. Unfortunately, their website provides few details on the specifics of the detox services they provide as part of their OptumHealth company.
Therefore, it is important to have Catalina Behavioral Health confirm your coverage details. All of this work will be done discreetly and without charge or commitment on your part.
Does UnitedHealthcare Pay for Inpatient Rehab?
Once you have completed detox, it is time to begin inpatient treatment. During this phase of therapy, the focus is on the following areas:
Depending on your insurance provider’s plan, you may be able to get some of this care for free. The precise percentage of protection offered will vary depending on the terms of your plan or policy.
There may probably also be restrictions on how long you can receive addiction treatment services. In some cases, if your health insurance doesn’t cover your stay at a rehab center, they may offer some type of grant. However, don’t plan on this, as it’s not common for insurance payment scenarios that aren’t out of your pocket.
How Long Does UHC Cover for a Rehab Stay?
Since everyone’s addiction narrative is different, so too must be their time with a treatment specialist. Rehab center treatment should last at least 30 days, as recommended by the National Institute on Drug Abuse.
The length of time you spend in rehab will be discussed during your initial consultation with a drug counselor and will depend on factors such as your health and substance usage history. There is a positive correlation between the length of therapy and success in maintaining sobriety.
UHC Coverage for Addiction Treatment Specialty Providers
In addition to conventional medical care, there are a number of circumstances in which clients may need specialist assistance. You may, for instance, enroll in a religiously or gender-specifically focused program.
Some people, however, have duties at work that can only be met by participating in an executive program. United Healthcare probably won’t pay for it, and if they do, they’ll only cover the bill at the amount charged by a public hospital. This means that your out-of-pocket costs will likely be greater.
Rehabs that Take United Healthcare for Substance Abuse
The UnitedHealth Group and United Healthcare plan often include coverage for substance abuse treatment. However, the specifics will vary per policy.
Detoxing from alcohol or benzodiazepines is medically risky and requires medical monitoring to prevent consequences. Because of this, most plans would likely cover inpatient detox for those who need it as part of inpatient treatment.
United Healthcare’s policy on covering drug addiction treatment varies depending on the specifics of each member’s plan, the clinic providing care, and the severity of the disorder.
Finding a rehabilitation facility that accepts United Healthcare insurance and determining your potential out-of-pocket expenses requires a conversation with your insurance provider. Once again, the coverage you have for addiction treatment will be determined by your plan and the specific therapy you want.
In Arizona, rehabs that take United Healthcare PPO policies such as Catalina may be easier to locate since their network is so vast. Catalina Behavioral forms a top choice for treatment services in Tucson as well as the greater Phoenix metropolitan area.
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Ensuring You Receive Rehab Coverage with UHC
Catalina Behavioral Health can help you find out what coverage you have to fund our treatment program. We accept United Healthcare Insurance and understand sometimes the specifics of your plan aren’t clear. We can help navigate the situation so you’re clear on exactly what your provider will pay for.
There’s a specific division of rehabs that take United Healthcare known as Optum that covers certain individuals that fall under various designations or live in specific parts of the country.
Optum has worked with the U.S. Department of Veterans Affairs (VA) to offer healthcare to veterans in several locations of the country.
Retirees and military veterans can contact UnitedHealthcare or Optum directly to learn more about their plans’ drug addiction coverage and perks.
How to Find United Healthcare Substance Abuse Treatment Facilities
Specifics of the UnitedHealthcare Plan
UnitedHealthcare’s healthcare plans include different levels of coverage according to the state in which you live, but there are typically three tiers to choose from.
UnitedHealthcare patients may see any doctor in their network, regardless of where they live. You can still see a non-participating doctor if you have UnitedHealthcare Choice Plus or UnitedHealthcare Options PPO, but your co-pay will be greater.
Optum Care offers access to primary care from a network of primary care physicians and specialists in specified states. Optum Care, for instance, serves Medicare Advantage members in the state of Nevada. Optum Care collaborates with the Reliant Health group of doctors in Massachusetts. In both circumstances, a wide variety of insurance policies are accepted by the networks.
How Important Is It That My Treatment Facility Be Part of My Network?
There is often no need for hospitals or clinics to participate in a given insurance plan’s network. Some plans may mandate a higher coinsurance percentage or higher copays if you want to see a physician who is outside of your network. It’s possible that certain plans won’t pay anything toward the price of any out-of-network services at all.
In-network treatment facilities are not a must. However, you should talk to a United Healthcare representative about your out-of-network coverage and any associated fees.
Inpatient Treatment Is Covered Under UnitedHealthcare
The type of United Healthcare plan you have and the state in which you reside will determine whether or not inpatient rehabilitation services are covered. United Healthcare provides a variety of insurance options for individuals and families, including short-term medical plans that may pay for drug misuse treatment.
Treatment Facility Fees and Services for Inpatient Clients
United Healthcare’s short-term medical plans often provide coverage for addiction treatment. Unfortunately, the cheapest plan (Short Term Medical Value) does not provide treatment for substance misuse. However, the surviving short-term policies do help policyholders in some way.
United Healthcare’s more extensive plans and Short Term Medical Plus insurance both have deductibles in the 20-30% range. Once you’ve paid your deductible (which may be anywhere from $1,000 to $10,000), your coverage will begin to pay for its share. It’s worth noting that these plans have a term maximum of $3,000, so anyone who incurs costs in excess of that amount must shoulder those costs on their own.
Inpatient Rehab Coverage from UnitedHealthcare
The outpatient rehabilitation services covered by United Healthcare are comparable to those of the inpatient services. Short-term coverage is one of the company’s cheaper plans, and it may assist pay for drug and alcohol treatment, however, the actual cost of this service can vary depending on the individual’s circumstances.
The Expenses and Consideration for Outpatient Rehabilitation
After meeting the plan’s deductible, outpatient care covered by United Healthcare’s short-term plan is subject to a coinsurance of 20-30%. Patients can only spend up to $50 for each outpatient doctor visit. Each individual insured by a short-term policy may expect to pay no more than $3,000 for the whole duration of the policy.
What Should I Do If My United Healthcare Plan Doesn’t Pay for Treatment?
It’s normal to be concerned about how you’ll cover the expense of addiction treatment, but it shouldn’t stop you from seeking the care you need. Catalina Behavioral Health may be able to help or direct you to someone who can if you experience this situation.
Know the Difference Between Network Providers
To read your insurance plan and make an informed decision about where to get care, you need to know the distinction between in-network and out-of-network providers. UnitedHealthcare members can get discounted rates at in-network rehabs that take United Healthcare plans thanks to the direct relationships between these entities. Because UnitedHealthcare has some power over the prices charged by its network providers, patients can save money by choosing them over those, not in the network.
Services rendered by physicians or rehabs that take United Healthcare policies but are considered “out-of-network” may still be covered but less fully. This means that clients can expect to pay a higher percentage of their total bill for out-of-network care.
However, it’s worth noting that certain UnitedHealthcare insurance plans allow coverage for visits to doctors who aren’t in their network. Thus, it is possible that your insurance plan will compensate you for the full cost of medical services received at a facility that is not part of UnitedHealthcare’s network.
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The Importance of Medical Detox
A medically supervised detox program is often the first step toward recovery for those who have struggled with substance abuse. When a detox program is considered medically essential for an individual, UnitedHealthcare insurance plans often pay all or a large portion of the costs associated with the treatment.
If the detox center is not among the rehabs that take United Healthcare policies, you may require prior permission before covering detox. Other plans may cover detox immediately, in whole or in part, as many policies do at Catalina.
Furthermore, UnitedHealthcare will likely pay at least some of the cost of medical detox when it is necessary for the treatment of the patient and/or when the detox is conducted in a hospital setting.
If you’re having difficulties getting United to commit to covering your medical detox, Catalina Behavioral Health may be able to speak with a representative to help mitigate the situation. We’re also available to provide prior authorization forms in the event your agent requires one.
Find Your Recovery with Catalina Behavioral Health
At Catalina Behavioral Health, we understand how frustrating navigating the insurance process can be. Finding an effective choice among rehabs that take United Healthcare can be tough.
That’s why we’re always available to reach out to your agent or provider and help clarify any information that’s unclear. We’ll do everything within our power to help you receive coverage for services and can help point you in the right direction if there’s a bump in the road.
Together, long-term recovery is possible with your hard work and our personalized treatment plans. For more information on how we can help, contact a member of our admissions team today!