United Healthcare is one of the largest health insurance providers in the United States. The company offers plans for individuals and businesses, and coverage options vary widely. If you’re a United Healthcare member, you may have questions about whether your plan covers treatment for alcohol and substance use disorders.
In this guide, we’ll walk you through United Healthcare substance abuse treatment coverage. We’ll help you understand how United Healthcare plans cover these treatments, and we’ll provide information on the specific treatment options that may be available to you through United Healthcare drug rehab coverage.
If you receive your United Healthcare plan through a large employer, your plan may include treatment for alcohol and substance use disorders. In addition, your plan might offer access to an employee assistance program. Typically, these programs can
How Does the Mental Health Parity and Addiction Equity Act Impact My United Healthcare Coverage?
For example, under the law, an insurer can’t charge higher co-pays for alcohol and substance use conditions. Annual and lifetime dollar limits for alcohol and substance use treatments must be roughly equivalent to those for medical care. If a plan provides medical benefits, mental health benefits, and out-of-network medical coverage, it must offer out-of-network mental health coverage, including out-of-network alcohol and substance use treatment. After the passage of the Affordable Care Act in 2010, individual and small business plans were subject to similar restrictions.
With all types of health insurance plans, insurers will determine whether alcohol and substance use treatments are medically necessary.
Which United Healthcare Plans Cover Substance Abuse Treatment?
The extent of substance use coverage under UnitedHealthcare largely depends on the details of your plan, the treatment provider you choose, and your unique treatment requirements. It is advisable to contact your insurance provider to identify rehabilitation facilities that accept UnitedHealthcare insurance and to understand your anticipated out-of-pocket expenses.
Ultimately, the treatment options available to you will be influenced by your specific plan and the nature of the addiction treatment you are pursuing. The UnitedHealthcare PPO network is quite extensive, making it likely that you will find a network provider in your vicinity. You can also utilize the UnitedHealthcare website to search for available providers.
UHC Coverage Levels and Plan Details
United Healthcare PPO (Preferred Provider Organization) plans cover alcohol and substance use treatment from providers and facilities that are inside and outside of the United Healthcare network. Out-of-network care requires prior approval, and patients will be reimbursed for covered costs.
Which Addiction Treatment Programs Are Covered Under United Healthcare’s Plans?
Generally, inpatient stays of 28 to 90 days are included with United Healthcare substance abuse treatment and alcohol addiction treatment coverage. Many plans cover treatment at in-network and out-of-network facilities, and coverage includes the withdrawal period and treatment after withdrawal. If a client needs medications during inpatient treatment, an in-network provider must write the prescriptions. United Healthcare does not cover out-of-network prescriptions. In addition, some United Healthcare plans may have a separate deductible for medicines. Once the deductible is met, patients will need to pay a co-pay for each prescription.
For outpatient coverage with United Healthcare, clients must receive treatment at an in-network facility. In-network providers are required for all prescriptions, and clients need to fill the prescriptions at in-network pharmacies. United Healthcare does not cover outpatient care at out-of-network facilities. They will not pay for out-of-network prescriptions for outpatient clients.
Does United Healthcare Cover Mental Health Care?
Coverage for mental health services by United Healthcare is available, provided that the treatment is conducted within their network. Typically, insurance plans categorize mental and behavioral health treatment as a form of specialized care, which may result in slightly higher costs compared to a standard checkup. The extent of coverage you receive will vary based on your specific insurance plan with United Healthcare. It is advisable to contact your insurance provider directly to clarify the costs associated with care before commencing treatment.
Is Addiction Counseling Covered by United Healthcare?
Where Can I Find Out More About My United Healthcare Drug Rehab Coverage Options?
To find information about your plan benefits without an online account, you can check the United Healthcare benefits packet you receive from your employer when you sign up for insurance. You can contact United Healthcare customer service if you need more details.
Does United Healthcare Provide Drug Rehab Coverage at Northern Illinois Recovery?
What Treatment Services Are Available At Northern Illinois Recovery?
In terms of behavioral health services, Northern Illinois Recovery offers individual, group, and family therapy sessions. Gender-specific therapy is available. The therapists provide cognitive-behavioral therapy, dialectical behavior therapy, and holistic therapy. If desired, clients can participate in yoga therapy at the treatment center.
Where Can I Get Advice About My Insurance Options for Treatment at Northern Illinois Recovery?
After you complete our online form with your phone number and insurance information, we will call you back to discuss how we can help. We look forward to being part of your journey to recovery.
Verifying Your United Healthcare Drug Rehab Coverage Benefits
For retirees, UnitedHealthcare provides Medicare Advantage plans, Medicare Part D, and supplemental Medicare plans. Additionally, coverage is available for numerous federal employees, and Optum also offers Medicare Advantage plans.
Moreover, in various regions across the country, Optum has collaborated with the U.S. Department of Veterans Affairs (VA) to deliver healthcare services to Veterans. Each of these plans features distinct benefits, so if you are a retiree or a Veteran, it is essential to consult directly with your UnitedHealthcare or Optum representative to understand the coverage and benefits related to substance use treatment.
Numerous rehabilitation centers throughout the United States accept United Healthcare insurance, as previously noted. Most facilities operated by American Addiction Centers (AAC) typically recognize and authorize United Healthcare’s substance use benefits. We provide treatment for substance use disorders and co-occurring health conditions in various states nationwide. To confirm your insurance coverage, please click here.
