Does United Healthcare Insurance Cover Drug Treatment?
United Healthcare offers health plans and solutions for people with a wide range of medical, behavioral health, and substance abuse needs. If you are dealing with a substance abuse problem, you can count on United Healthcare insurance drug treatment. United Healthcare insurance plans are located all across the United States, so you shouldn’t have a problem finding United Healthcare insurance drug treatment providers.1 The states in which United Healthcare insurance is offered include:1
- Rhode Island.
- New Jersey.
- New Mexico.
- New York.
You can find one of the United Healthcare plans that works best for you because UHC offers different types of healthcare solutions, such as:2
- Individual and family plans—this plan provides coverage for you and your family from birth to adulthood.
- Small business—if you own a small business, this plan is ideal for affordable employee health care.
- Short-term insurance—some people just need insurance on a temporary basis, and this will suffice for them.
- Medicare—this plan is available for adults 65 years and over or for those who have a qualifying disability.
- Medicaid—low-income participants can get this healthcare plan.
No matter what type of plan you have, when dealing with drug addiction, you need to get treatment right away. The rehab center you’re considering can verify whether you have coverage at the facility. They will take your information and do a quick check for you. You should have an answer promptly. If you’d rather contact your insurance provider directly, you can call the number on the back of your insurance card for more information.
What Will United Healthcare Insurance Cover?
When you’re ready to move forward and seek UHC drug rehab treatment, you might have questions about what exactly a United Healthcare substance abuse plan covers? It’s crucial to have an understanding of the various treatment plans and how they work. Also, if there is a treatment that is vital to your recovery, then you need to know if it’s part of the United Healthcare insurance addiction treatment programs that are covered. Whether you need a complete detox program or outpatient therapy, you can check your United Healthcare rehab coverage by talking to the intake coordinator at the rehab facility.
If you prefer, you can log in to your health plan account and learn specific details about the nature of your plan’s coverage. Things you may want to check are how much your yearly deductible is, how much out-of-pocket costs you have to pay, and what the procedure is for out-of-network services.
United Healthcare insurance addiction treatment programs vary based on the coverage specifics, but some of the main categories of treatment are as follows: 3
- Inpatient/residential rehab: This type of treatment involves staying at a rehabilitation center where you’ll have 24/7 care and medical monitoring. This type of drug treatment often includes medication, with oversight from physicians.
- Outpatient therapy: During outpatient rehab, you will visit a facility on a regular basis to manage an addiction problem. This program works best for people who have already gone through detox and aren’t suffering the symptoms of withdrawal.
- Intensive outpatient programs (IOP): An IOP will step up the outpatient program a bit with therapy sessions more frequently throughout the week. This might be appropriate for someone who has just completed detox but is concerned about relapse and needs the added support of a strong outpatient program.
- Partial hospitalization programs (PHP): With a PHP, you will be as close to an inpatient program as you can get without actually staying overnight. You’ll spend most of your time at the facility, learning tools for overcoming addiction. You’ll also gain the support of therapists and other group members during intense therapy sessions.
It’s best to consult with a rehab specialist to determine what United Healthcare drug rehab program will best suit your needs.
Does United Healthcare Insurance Cover Mental Health Care?
United Healthcare mental health services are an important component of substance abuse treatment for many people. According to the National Institute on Drug Abuse (NIDA), there is a strong link between substance abuse and mental health disorders.4 In fact, research indicates that approximately 43% of people who are seeking treatment for substance use disorder (SUD), specifically with prescription painkillers, also have a mental health condition, namely depression or anxiety.4
Other studies indicate that young people who had untreated ADHD are at a higher risk for substance abuse later in life.4 Another report from ChildHelp National Child Abuse Hotline indicates that children who face childhood trauma are at increased risk of substance abuse.5
Nearly two-thirds of individuals who seek treatment for addiction report some type of past trauma.5 These studies indicate a need for treating co-occurring disorders in tandem.
Under the Affordable Care Act, insurance providers, such as United Healthcare, are required to provide coverage for co-occurring disorder treatment and stand-alone drugs.6 So you will have access to United Healthcare mental health services in conjunction with the drug rehab program under this mandate.6
How Long Does United Healthcare Insurance Cover Rehab?
United Healthcare insurance substance abuse treatment coverage needs to last as long as you have issues with addiction. You don’t want to stop short of getting the help you need for recovery. Also, after you have completed a detox program, it’s helpful to continue attending therapy sessions, even if it’s only occasionally. This will help you stay on track and prevent a relapse.
The initial time frame for addiction detox varies for each person, and your United Healthcare coverage will be based on many factors. However, research shows that for an addiction program to have the most positive effect on a person, it’s best to stay for at least 90 days.7
You can check your plan information by calling the number on the back of your insurance card to find out more details.
What if my United Healthcare Insurance Policy Does not Cover Drug Treatment?
In some cases, people may not have United Healthcare insurance detox treatment. This would likely be the exception rather than the rule; but if this is the case with you, it’s critical that you don’t neglect getting the help you need. There are plenty of options to get treatment even if your insurance doesn’t cover what’s needed. You could potentially finance the treatment or check with family or friends for a personal loan. In addition, you could reach out to a rehab facility you plan to go to and ask them if they have any in-house financing or scholarship options available. They may accept payments or reduce costs based on a sliding scale fee. There are always programs available to help people in the recovery process. The most important thing to remember is that your health and well-being must come first. To delay seeking treatment could be detrimental to your health.
In-Network versus Out-of-Network Rehab Centers
Your insurance may be set up so that you must work with drug rehab facilities that are in-network, or, if they are out-of-network, you must pay for services. What does this mean exactly? An in-network facility is one that has contracted with your insurance provider, meaning they will give services at a reduced rate. An out-of-network facility or doctor is one that is not within the contracted list of providers, so the services aren’t offered at the reduced rate. Therefore, you have to pay more to use these providers. The best way to know if the facility you’re thinking of using is in or out of network is to verify your insurance or call your provider.
Check Your Benefits
You can find out right away if you have insurance coverage for drug rehab at American Addiction Centers (AAC). Save time and hassles and get a quick reply by filling out the form below to verify your insurance coverage.
Don’t wait to seek help for your substance use needs. You can begin the road to recovery today. Call our helpline to speak to an intake counselor for immediate help now. Call 1-888-851-2649 Who Answers? .
Let’s verify your coverage for treatment at an American Addiction Centers location. Your information is always confidential.
- United Healthcare Community and State. (2017). First-quarter 2017 company information.
- United Healthcare. (2021).
- National Institute on Drug Abuse. (2018 ). Principles of drug addiction treatment.
- United Healthcare. (2021). Mental health programs and benefits.
- National Institutes on Drug Abuse. (2020). Common comorbidities with substance use disorders research report.
- ChildHelp National Child Abuse Hotline. (n.d.). Child abuse statistics & facts.
- gov. (2021). Mental health & substance abuse coverage.
- National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide.