Deciding to seek help for a drug or alcohol problem is a tough and brave one. However, for many people, access to care can be hindered by the high cost of treatment. We’ve put together a guide on “Rehabs That Accept United Healthcare Insurance” to help you get the best care through your policy.
Fortunately, insurance companies such as UnitedHealthcare have plans that cover a wide range of treatment programs and treatment centers for people dealing with drug or alcohol addiction. In this article, we will look at UnitedHealthcare insurance policies that cover a diverse range of mental and behavioral health services.
As an in-network facility for United Healthcare, we’ll review the best options for getting care with Icarus Behavioral Health as well as general practices than can help you get the most out of your policy!
About UnitedHealthcare Insurance
Three types of plans are available through United Healthcare Insurance. Depending on your financial situation, you’ll most likely qualify for one of these three:
- Affordable Care Act (ACA) marketplace plans were developed after the ACA was passed. The monthly premiums for these plans are based on your income and the number of people in your household.
- Group benefit plans are provided through your employer.
- The Federal government provides assistance plans like Medicare and Medicaid. These programs help low-income families and individuals with basic care needs. However, customers can choose to upgrade their plans to get additional coverage.
Out of these three plan types, you’ll have the option of the following forms of coverage:
Open access plans typically restrict your coverage to treatment facilities that contract directly with UnitedHealthcare. There are two plans in this category: UnitedHealthcare Choice, which only covers physicians and treatment facilities within the UHC network, and UnitedHealthcare Choice Plus, which covers providers outside the network but will incur higher out-of-pocket costs.
Preferred Provider Organization (PPO) is the second option. The UnitedHealthcare PPO plan does not restrict you from in-network providers. If you choose out-of-network care, it will need to be approved by UHC, and you will be responsible for any additional costs.
What about the different forms of treatment clients have access to? The following sections the types of therapy you could potentially receive as a United Health customer.
What Type of Rehab Therapy Does UnitedHealthcare Cover?
All the plans detailed above include substance abuse and behavioral health treatment provisions. Rehabilitation services are typically administered through:
- Inpatient treatment, where an individual remains at a facility for 24 hours a day, seven days a week, receiving treatment for drug or alcohol use disorder. Often, this is done in a hospital setting so that patients can be monitored by medical staff. Program lengths can vary, with options for a 28- or 30-day program or a more long-term 60-day or 90-day inpatient program.
- Outpatient treatment, which includes client participation for short periods a couple of times per week. Usually, the total length of attendance is around nine hours per week.
How Much Coverage Will I Receive?
UnitedHealthcare’s drug rehab and alcohol abuse treatment providers offer varying levels of coverage for inpatient addiction treatment, which may be excluded from specific short-term insurance plans. Coverage and availability of plans may depend on:
- The state of residence.
- The employer.
- Whether your family members are included in the plan.
Will Medication Be Covered?
Many clients who attend rehab receive prescription medications to deal with the discomfort of withdrawal during detox. In addition, medication-assisted treatment may help curb cravings after detox or prevent withdrawal and detox altogether.
In co-occurring disorders, specific prescriptions like antidepressants and mood stabilizers may also benefit. There are often questions regarding UnitedHealthcare and their coverage of medications.
Many of the plans offered by UHC require a separate deductible from treatment. It’s possible to have two deductibles in this case. However, this doesn’t include your copay, which would include additional out-of-pocket expenses. How much is the copay?
This depends on the medication you’re prescribed and the specific plan under which you’re covered. It’s worth noting that any prescription medications obtained from physicians outside the network will not be covered.
Does UnitedHealthcare Cover Outpatient Treatment?
United does provide coverage for outpatient treatment. However, the exact amount or specifics of the range are based on your individual plan. No coinsurance exists for outpatient services for UnitedHealthcare.
Another common question regarding United Healthcare is whether they cover mental health services.
Does UnitedHealthcare Cover Mental Health Services?
Substance abuse, behavioral health, and mental health services are all grouped under United Healthcare Insurance plans. When a client participates in an inpatient or outpatient session for mental health challenges, UnitedHealthcare provides a similar level of coverage as addiction treatment.
This means that UnitedHealthcare also provides coverage for dual diagnosis, making them a popular option for anyone seeking substance abuse treatment that may have been unsuccessful in the past or know for a fact that there’s a significant issue with an underlying mental health disorder.
One of the most asked questions from clients who have United Healthcare is the best way to determine what level of care they need. This question is answered in several ways, depending on your situation.
What Level of Care Should I Select?
Should I attend inpatient or outpatient treatment services? This is an important question when it comes to the decision to enroll in rehab finally. The answer depends on several factors. Use the following criteria to help you decide what’s right for you:
Inpatient treatment is the best course of action in the following situations:
- If you’ve already been given a dual diagnosis or a co-occurring disorder or suspect this is the case, inpatient treatment would most likely serve you better.
- If you lack a solid support system or don’t believe the individuals around you are encouraging enough to help you avoid relapse, the influence of the environment at an inpatient facility might be a better idea
- If you’re not 100% sure that your home is drug and alcohol-free, attending inpatient treatment is a much better idea. However, you’ll still need to deal with this challenge upon exiting treatment.
- If it’s not economical to attend an outpatient treatment center, inpatient could be a better idea. For example, if the closest substance abuse treatment center is two or three hours away, it doesn’t make sense to drive that far to therapy several times each week.
Inpatient rehab facilities and programs such as ours at Icarus Behavioral Health are widely considered to be the most intense and effective level of treatment. Multiple UnitedHealthcare plans cover a portion of these treatment programs. However, preparing yourself for a round of different out-of-pocket expenses is a good idea.
Clients live at the facility for a designated length of time during inpatient therapy. Patients have access to medication-assisted treatment if needed. In addition to MAT, there’s also one-on-one time with counselors, different behavioral therapies, holistic options, and group recovery meetings with other topics.
Most of the time, UnitedHealthcare requires authorization for inpatient treatment programs. These can be obtained from the professionals at the facility.
At Icarus, our skilled Admissions team can always help get authorization and make the process as smooth as possible. Our close relationship with UnitedHealthcare will make getting admitted and starting treatment quick and hassle-free.
Outpatient treatment programs allow clients to maintain a more flexible schedule while focusing on recovery. Sessions are available during the morning or evening, and clients typically participate two or three days per week.
After the week, clients will typically have spent about nine hours participating in treatment classes. Outpatient is usually a better idea for the following situations:
- If the client must keep working and can’t plan to get the time away for inpatient rehab, outpatient treatment is usually the best option. However, it’s recommended that clients exhaust every avenue possible to attempt participating in an inpatient program instead.
- If personal commitments stop them from attending inpatient treatment, then outpatient may be the only option. This includes taking care of family members and other roadblocks.
- If they live in a safe, substance abuse-free environment with no temptation, the support might be enough to help them complete outpatient rehab.
Several forms of outpatient treatment programs are available. These have different intensity levels depending on recommendations or client willingness to participate.
- Intensive outpatient programs require the client to attend three or four half-day weekly sessions for about twenty hours per week. The same services and treatments are included as a regular outpatient, at higher rates and more frequently.
- Partial hospitalization is the most intense form of outpatient treatment. This is just a tiny step away from being a complete inpatient program. During partial hospitalization, clients will attend the treatment facility five days weekly for eight hours daily. They’re allowed to return home in the evenings, so they still reside at home. On the weekends, they usually have a break from treatment.
Another deciding factor for which treatment you can participate in is your insurance plan. If your insurance plan doesn’t cover a certain level of care, you could be required to obtain preauthorization, and your out-of-pocket expenses are likely much higher.
A Top Rehab in New Mexico that Accepts United Healthcare
Icarus Behavioral Health takes United Healthcare and is an excellent option for anyone seeking recovery. Our program consists of inpatient, outpatient, and medically assisted detox options through a partner facility, including a robust list of treatment and counseling plans.
Each of our clients receives nothing less than a top-notch personalized care plan, put together through coordination between you, the counselors, and other individuals on your treatment team. Your family is encouraged to get involved as well, as they are an integral part of your recovery after treatment.
We offer holistic options so you can heal your spirit along with your mind and body. Activities like art therapy, equine therapy, and other exciting opportunities are available at our beautiful facility, nestled at the foot of the beautiful New Mexico mountains.
For more information about how we can help you take your life back and experience recovery, call a member of our Admissions team today!