About UnitedHealthcare Health Insurance
UnitedHealthcare (UHC) offers phenomenal healthcare benefits rooted in compassionate values. They assert: “We try to walk in the shoes of the people we serve and the people we work with across the health care community.… We celebrate our role in serving people and society in an area so vitally human as their health.”
According to their website, UnitedHealthcare extends insurance benefits to:
- Military service members
- Retirees and their family members
- Medicare and Medicaid beneficiaries
These individuals have access to an expansive network, including one million medical providers at roughly 6,000 facilities. To enhance their health care services, UHC offers over 800 value-
based care programs. UnitedHealthcare’s benefits may help you to pay for your drug or alcohol addiction treatment.
In addition to providing substance abuse treatment, UnitedHealthcare is committed to fighting our nation’s opioid epidemic. Their website states:
“For more than a decade, UnitedHealthcare has been investing in multi-dimensional programs to reduce the abuse of opioids…We have a number of programs and policies in place to prevent the misuse of opioids, and provide quick and appropriate access to opioid addiction treatment.”
Does UnitedHealthcare Offer Addiction Treatment?
If you have insurance through UnitedHealthcare, there’s a good chance your plan might help you pay for addiction treatment, either in partial or full. This coverage may include outpatient substance abuse care, inpatient substance abuse detox, and inpatient drug and alcohol rehab.
Your copay and any restrictions or limitations will depend on your plan and the specific level of benefits it provides. In order to receive these benefits you may have to undergo a precertification or prior authorization to ensure that your exact services are covered.
Does UnitedHealthcare Offer Prescription Drug Coverage?
Drug addiction treatment utilizes certain medications during detox and throughout treatment. These pharmacotherapies may be used to treat symptoms of withdrawal, cravings, and/or any co-occurring disorders, such as depression or anxiety. An example of a medication covered by UnitedHealthcare is Suboxone (buprenorphine/naloxone) for opioid dependence.
UnitedHealthcare plans do offer comprehensive prescription drug coverage. We can help you by working with your treatment facility to determine if necessary medications are covered.
UnitedHealthcare Medicare Drug Rehab Coverage
UnitedHealthcare is partnered with Medicare to offer individuals over age 65, or those under this age with a disability, federal health insurance. This coverage often includes prescription drug coverage and may help to supplement the costs associated with your drug addiction treatment.
Do Short-term Health Insurance Plans Offer Substance Abuse Treatment Services?
Golden Rule Insurance Company underwrites a selection of short term health insurance plans for UnitedHealthcare. Also referred to as temporary health insurance or term health insurance, these plans can bridge the gap during a period of time when you do not have insurance. This may be when you’re waiting for insurance through the Affordable Care Act or Medicare. Short term coverage typically lasts from 30 days to less than three months. Plans can be adapted to your needs, as you’re able to choose the plan length, deductible, and coinsurance.
These plans do not cover preexisting conditions, which may limit your treatment options. However, certain plans do offer treatment for mental disorders and substance abuse, to the capacity that, as stated by the UPC website, “treatment of mental disorders, mental incapacity, or substance abuse covered the same as any other illness.”
For example, a 34-year old female, non smoker would be expected to pay 20 percent to 30 percent of treatment costs after the deductible if she was enrolled in the Short Term Medical Plus plan. Deductibles range from $1,000 to $10,000 dollars. Also, there is a $50 limit on outpatient doctor visits and a policy term maximum of $3,000 per individual for substance abuse. Prescription drug coverage is offered. This may cover certain medications used within rehab, including those used to treat co-occurring mental health disorders.
UnitedHealthcare Covers Both Inpatient and Outpatient Rehab Programs
Outpatient treatment may work for individuals who have experienced a minor relapse or who have recently left inpatient rehab and require aftercare treatment. It may also be a good option for those who don’t have the freedom to leave the day-to-day obligations of their life, such as child care or employment. But it is important to understand that serious addictions quite often require more extensive care, such as that which is offered within a residential inpatient drug rehab program.
Inpatient treatment is far more comprehensive and is typically the better option for individuals who face moderate to severe addictions. These programs last from 28 to 30 days to upwards of 90 or more. This residential format fully immerses you in a sober environment, thus allowing you a greater opportunity to build a drug-free life. A wide-variety of treatment modalities are incorporated into these programs, including, but not limited to:
- Medical detox
- Individual and/group counseling
- Family counseling and support
- Cognitive behavioral therapy (CBT)
- Dialectical behavior therapy (DBT)
- Motivational interviewing (MI)
- Medication-assisted therapies (MAT)
- Adventure therapy
- Art therapy
- Equine therapy
Selecting a treatment program is a very personal choice. It’s also one of the most important decisions of your life. The best programs are individualized, meaning that each treatment plan is tailored to a person’s specific health and medical requirements. InsuranceDrugRehab.org can help you to discover what program and combination of treatment modalities will best serve your needs. Our expert staff will also work closely with the facility of your choosing to determine exactly how your UnitedHealthcare will cover your treatment.
What If UnitedHealthcare Doesn’t Cover All Of My Stay At A Rehab Center?
If your UnitedHealthcare plan doesn’t cover the entirety of your treatment, don’t despair. A variety of financial resources exist beyond insurance and paying out of pocket. Friends and family members may be willing to pitch in or to offer you a loan. In addition to this option, personal loans, scholarships and grants, facility sliding fees, medical credit cards, and even crowdfunding could all help to make your treatment needs a reality. We can help you to put these elements together to build a solid treatment plan today.
Find A Rehab Center That Accepts UnitedHealthcare Today
If you or a loved on is struggling with a drug or alcohol addiction, we can help. Our highly-trained and compassionate staff at OpioidTreatment.net are standing by to offer you a confidential assessment. Begin building a drug-free life and contact us today.