United Healthcare Rehab Coverage
Do you have United Healthcare (UHC) insurance and wonder what coverage it provides for rehab services? Having health insurance is vital. According to the National Library of Medicine, people who report being in good or excellent health typically have health insurance.
United Healthcare is one of the largest insurance companies in the U.S. That means they’re more likely to cover drug and alcohol abuse treatment programs than other insurance companies. Also, United Healthcare offers some individual and family plans through the Affordable Care Act (ACA) marketplace. Of course, the coverage you receive for rehab depends on your specific policy. Learn more about inpatient and outpatient coverage options and find rehabs near you.
If you or a loved one needs alcohol, substance abuse, and mental health treatment, look no further. Zinnia Health offers customized treatment plans through several levels of care, including detox, inpatient, and outpatient care. To find out more about your insurance coverage for drug and alcohol rehab, call (855) 430-9439 to speak to one of our addiction specialists.
Does United Healthcare Insurance Cover Alcohol Rehab?
United Healthcare insurance typically covers treatment services for alcohol addiction. However, the amount of coverage varies depending on where you live and your plan type.
UHC offers a range of health insurance plans suited to different groups of people, such as individuals and families, employees, low-income, and people over 65.
The different United Healthcare Insurance plans include:
- Individuals and family health insurance plans
- Employer-sponsored health insurance plans
- Medicare plans for people over 65 or others with a qualifying situation
- Medicaid plans for low-income individuals
- Programs for people who qualify for Medicaid and Medicare
- Short-term health insurance plans
Your plan type may vary depending on your location and whether it’s an individual, family, employer-based, or Medicare/Medicaid plan. For instance, your United Healthcare insurance policy will likely be either HMO or PPO if you have a group Medicare policy for retirees. Most employer-sponsored and ACA-compliant insurance plans offer coverage for substance abuse treatment services.
Does United Healthcare Insurance Cover Substance Abuse Treatment?
In addition to alcohol rehab, United Healthcare provides insurance coverage for substance use disorders (SUD). Your coverage and out-of-pocket costs depend on your residential location and individual plan.
Drug abuse therapy can be effective for any drug use and SUD.
- Crack Cocaine
- Opioid drugs, including heroin and prescription medication
The treatment you receive will depend on the substance, the severity of your addiction, and the presence of co-occurring conditions or dual-diagnosis disorders. You can also participate in many therapies and activities based on your interests, such as yoga therapy, art therapy, music therapy, and more.
Does United Healthcare Cover Mental Health Treatment?
United Healthcare usually provides mental health treatment. The exact amount of coverage depends on your location and policy.
Mental health treatment is typically part of substance abuse therapies. That’s because many people with drug and alcohol problems have underlying mental illnesses, such as anxiety, depression, ADHD, schizophrenia, and others.
Based on reports by the National Institute on Drug Abuse, 60% of adolescents in treatment had signs of a mental health disorder. Similarly, 43% of people receiving therapy for nonmedical use of prescription painkillers had mental illness symptoms or diagnoses.
United Healthcare Inpatient Coverage
Your United Healthcare insurance plan will likely cover inpatient rehab. Inpatient or residential treatment involves staying in a rehab facility where you get round-the-clock support and medical supervision.
Inpatient care or residential care may include the following services:
Many people stay as little as 30 days, whereas others may remain for months. Your rehab treatment may require a shorter or longer period, depending on your level of addiction and how well you respond to treatment. Typically, people needing alcohol or substance abuse treatment can expect to stay about one or two months.
United Healthcare Outpatient Coverage
If you only need outpatient treatment, United Healthcare typically covers that. Outpatient rehab doesn’t require you to stay in a rehab center. Instead, you’ll be scheduled to attend therapy sessions every day or several times per week. The frequency and length of your health services will depend on the severity of your addiction and how well you recover.
Rehabs That Accept United Healthcare Insurance Near You
Many rehab centers accept United Healthcare, especially since it’s one of the top insurance providers.
Be sure to contact the rehab center that piques your interest to ensure they have the programs you need and take United Healthcare insurance. Remember that your coverage level will vary widely from plan to plan, so take time to understand what you’ll be expected to pay out-of-pocket for co-pays, deductibles, uncovered services, etc.
Let us help you get on the road to recovery. Zinnia Health offers treatment in rehab centers that suit your needs. You can choose serene locations like rehabs near the beach, resort-style centers with mountain views, or home-like facilities in the city. Reach out by contacting us online or by phone at (855) 430-9439.
How To Check Your United Healthcare Coverage?
To determine your United Healthcare coverage for alcohol addiction or drug use, take the following steps:
- Refer to your specific health insurance policy documentation that details your coverage. This could be your Summary of Benefits Coverage provided by your employer.
- Sign in to your MyUHC health benefits online portal. If you haven’t already done so, you’ll need to create an account. You’ll be required to provide your UHC individual policy number, group policy number, social security number, and zip code.
- Call United Healthcare customer service to have an insurance representative explain precisely what your policy covers for your desired treatment.
- You can also contact the rehabs that have piqued your interest and ask them if they accept United Healthcare and what your coverage will be.
Types of United Healthcare Plans That Cover Addiction Treatment
United Healthcare offers a wide range of health insurance plans. The type of plan you have depends on your particular situation. Whether your health insurance is an individual or group policy, it usually falls under specific categories.
Following are the four main plan types, according to Health.gov:
- Health Maintenance Organization (HMO): A health insurance plan that limits your coverage to contracted providers or those that work for the HMO, except for emergencies.
- Preferred Provider Organization (PPO): A health plan that offers more coverage for in-network providers. If you choose to see out-of-network doctors or specialists, you can do so without a referral for an additional cost.
- Exclusive Provider Organization (EPO): A managed care plan that acts like a combination of an HMO and a PPO where you must use in-network physicians, specialists, and hospitals to receive coverage. The only exception applies to emergencies.
- Point of Service (POS): A health insurance plan that provides higher coverage amounts when you use in-network health care providers. You’re usually required to get a referral from your primary care physician (PCP) before being covered for services needed by a specialist.
Plans where you don’t have a PCP usually require you to get preapproval for certain types of medical procedures and treatments. Otherwise, your PCP typically handles the preapproval process for you.
Frequently Asked Questions
What Length of Stay Will United Healthcare Cover?
Inpatient or residential care that requires staying in a facility can vary in cost. The total cost depends on the rehab facility, length of stay, and treatment options. Luxury substance abuse treatment centers will cost more than standard rehab centers.
United Healthcare may only offer coverage for a certain number of days or up to a certain amount. Typically, it’s expected that people getting inpatient treatment need at least one or two months to recover and be ready to go home entirely. Some people with more severe addictions may need to stay as long as six months or more.
Before checking into a rehab center, ensure you understand any limits on coverage and length of stay that United Healthcare may impose. That way, you’ll know what to expect and won’t have to worry about your treatment being interrupted for lack of funds.
How To Pay for Costs United Healthcare Doesn’t Cover
While United Healthcare may help you pay for rehab, you’ll likely find that there are some expenses they don’t cover. They may only cover a certain percentage of the cost, leaving you to pay the balance.
Check with your chosen rehab facilities to inquire about payment options they may offer. Also, check any other insurance plans you might have through a spouse, employer, or other means. Sometimes, a secondary insurance policy will pick up the expenses the primary insurance plan doesn’t cover.
What To Do if United Healthcare Doesn’t Cover Rehab
If your United Healthcare insurance policy doesn’t cover alcohol or drug rehab, you may have other options. Possible ways to pay for substance abuse treatment include the following:
- Sliding fee scales
- Payment plans
- Nonprofit organization
- Grants and scholarships
- Government-funded insurance (Medicare/Medicaid)
- Loans from family, friends, or financial institutions
- Credit options (e.g., credit cards or healthcare programs)
- Fundraising (e.g., GoFundMe)
Do Rehab Facilities Need To Be In-Network?
Your specific insurance plan will determine whether you need to choose a rehab facility in the network. United Healthcare offers different policies that provide varying levels of coverage for in-network and out-of-network providers. You must check your policy summary of benefits or contact customer service.
At Zinnia Health, we understand how difficult it can be to overcome drug abuse and alcohol addiction. That’s why we aim to make the treatment process as easy as possible. Whether you or someone you know requires outpatient care, detox, or residential treatment, we’re here to help. Our addiction experts are standing by 24/7, so call our helpline anytime at (855) 430-9439.