United Healthcare is one of the largest healthcare insurance providers and they have a many policies with wide coverage. However, insurance policies, in general, are very hard to understand. Therefore it is not surprising that many addicts in need of rehab don't even realize they already have United Healthcare drug rehab coverage as part of their existing healthcare insurance plan.
The complex nature and high cost of rehab is overwhelming to many people. However, if you seek out a proper healthcare plan, the whole process will likely go extremely smoothly. As a matter of fact, the expenses for rehab fluctuate with the level of care required by a patient. Before we go further, please understand that drug rehab can be paid for by insurance. Now let's have a look at United Healthcare specifically.
Coverage Plans and Levels
United healthcare offers numerous plans with coverages that vary according to state. Moreover, there are numerous coverage tiers that vary the healthcare plans. However, when talking generally, there are three major levels of care provided by United Healthcare.
In this plan, there are around 895,000 providers across the globe. However, the coverage is not available for providers who are out of network.
This one is a cost-effective plan that offers access to all United Healthcare networks and some of the out-of-network- providers.
This plan provides cost-effectiveness on out-of-pocket expenses that are incurred when you seek a member from the network provider.
In easy words, when you seek treatment from United Healthcare, location does not play a major role. All you need to do is make sure that you choose a provider from the network. Moreover, when you opt-in for Choice Plus or options PPO, you can seek an out-of-network provider.
Benefits of United Healthcare Drug Rehab
Does united healthcare cover drug rehab? Well, yes it actually does cover drug rehab. In fact, when talking about the rehab services coverage, the major point of interest is MNRP. It stands for maximum non-network reimbursement program and it decides the expenses you need to bear for rehab services.
Substance Abuse Coverage by United Healthcare
Under the policies of alcohol and drug addiction services, United Healthcare covers these services:
- Inpatient rehabilitation
- Inpatient detoxification
- Outpatient rehabilitation
- Outpatient detoxification
In other words, if you go for a PPA network policy, you can get a large number of treatment facilities for substance abuse. However, you may require a pre-certification for some policies. However, it depends mostly on the type of program (outpatient or inpatient) and the services offered.
Inpatient Treatment Coverage by United Healthcare
The coverage of inpatient treatment is mostly dependent on your plan of United Healthcare. Moreover, your residential state also plays a major role in coverage. United Healthcare offers substance abuse treatment in short term health plans in addition to family insurance plans.
Here’s the information of coverage in a short-term healthcare plan:
Services and Costs of Inpatient Rehab
As stated above, there are numerous short-term healthcare plans that cover programs of substance abuse. However, if you opt for the premium plan of lowest value, you may miss out on the coverage of programs for substance abuse. On the other hand, every other short-term healthcare plan offers coverage for substance abuse.
The policies under short-term medical plus provide a deductible of 20-30%. Therefore, you need to pay the deductible first in order to avail of your insurance. As a matter of fact, the policies only provide a coverage of up to 3000$ after which, the patient is responsible for all the further expenses.
Outpatient Treatment Coverage by United Healthcare
The outpatient rehab coverage provided by United Healthcare is quite similar to that of the inpatient rehab. In this too the short-term plans cover the rehabilitation of alcohol and drugs. However, the difference between the two lies in expenses.
Costs and Services of Outpatient Rehab
The short-term plans of United Healthcare provide a coinsurance of 20-30% for outpatient coverage. In order to take advantage of this, you need to pay the deductible first. If the doctor visit for an outpatient is individual, the visits are limited to $50. Moreover, the policy term is $3000 for each person in a short-term coverage.
Details of group insurance plans by United Healthcare
The group policies involve a wide range of services and options by United Healthcare. Here’s a rundown of all the details:
For the people under the age of 64, United Healthcare offers family as well as individual plans. The plans are covered under the United Health one.
Members of the United Healthcare group can enjoy information on wellness and health, resources, and tools under the health business model of Optum.
For the individuals aged over 64 who want to increase the coverage of their federal medical care, United Healthcare offers enhanced services in addition. For this, they have all the liberty to join plans such as prescription drug plan or medical care advantage plan.
For the individuals who are eligible for any healthcare program by the government such as medical aid, United Healthcare offers community plans.
With the help of the Hospice care program and Optum Palliative, the United Healthcare group provides Palliative and Hospice Care. Under these programs, the families with long-term or extremely chronic illness are supported.
The network coverage of United Healthcare for behavioural health services is very large. There are more than 100,000 clinicians as well as facilities available to provide treatment services for substance abuse.
Significance of a Prominent Drug Rehab Treatment
When talking about drug overdose, it is extremely sad to know that 100 people are dying every day. Moreover, the figures of fatality are twice from the past 15 years. Therefore, it is an alarming situation for each of us.
United Healthcare provides priority to patients with drug addiction and takes extreme care in their treatment. Although getting over such an addiction is not a cakewalk, a quality treatment may help you achieve the goals faster. Here's what a good treatment consists of:
- Emergency treatment facility
- Result-oriented treatment approach for the affected
- Greater success rates for patients
- All-day long medical supervision
If you are looking for drug rehab centers that accept United Healthcare, make sure you give us a call. We are unparalleled service providers for insurance verification and addiction treatment. That’s all we have for today.