United Healthcare Insurance

United Healthcare Rehab Insurance

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

United Healthcare Addiction Resources

To ensure those recovering from drug and alcohol addiction receive care, United Healthcare Rehab Insurance 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 Policy Coverage For Substance Abuse

Drug and alcohol addiction services included in policies often consist of:

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.

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 UHC representative to determine your out-of-network coverage and the costs you will be responsible for.

United Healthcare Rehab Insurance
Oftentimes treatment centers are not required to be in-network.

United Healthcare Rehab Insurance Coverage For Inpatient Treatment

Inpatient rehab coverage depends solely on the type of UHC 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 UHC’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 UHC’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
As part of UHC’s short-term medical plans, many individuals’ policies help cover substance abuse programs.

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.

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.