If you or someone you love is looking for a rehab that takes United Healthcare insurance, contact us today at 252-715-3905 to have our team run a confidential, no-cost verification of your benefits, or click here to complete our insurance form so you can get help today.

Addiction Treatment: What Will Insurance Providers Cover?

Deciding to seek help for addiction can be overwhelming, with so many different considerations to make. It’s essential to put your health and happiness as the priority and focus on the positive implications going to rehab has for your future. That said, there are important choices to make, including how you’ll pay for treatment. United Healthcare is a big company with a wide array of policies offering varying degrees of coverage.

Due to legislation made by the Affordable Care Act, every insurance policy needs to cover mental health conditions, including substance abuse disorders. The extent to which your United Healthcare insurance policy covers drug or alcohol rehab depends on your individual plan and location. For as revolutionary insurance coverage for addiction treatment has become, there are still many questions you may have. Changing Tides has a team standing by to answer any and all questions about your drug and alcohol treatment covered by United Healthcare.

Have United Healthcare Insurance?

Call us now at 252-715-3905 or click the “Get Started” button below. Our team will do the necessary research to run a no-cost, confidential approval of your specific policy so you can start treatment today.

Does United Healthcare Cover Substance Abuse Treatment and Rehab Center?

United Healthcare has a division called United Behavioral Health dedicated to helping people with mental health conditions such as alcohol or drug addiction. It provides a confidential service, with representatives you can speak to about what you’re going through and who can offer support and advice. They can help you determine if rehab will accept United Healthcare insurance.

When you select a drug and alcohol rehab, you should reach out to your insurance provider to determine if the treatment is being given by an in-network provider or if it is an out-of-network provider. Your insurance benefits and specific plan can also help you understand your different options for drug and alcohol abuse treatment. Verifying which rehab facilities accept your healthcare plan can help you avoid out-of-pocket costs.

United Healthcare Coverage Options for Substance Abuse Treatment

Health insurance plans and policies can feel complicated, so determining your United Healthcare rehab coverage may feel like a daunting task. United Healthcare plans will differ in what substance abuse treatments will be covered and how much your health insurance will pay.

Depending on your specific policy and plan, some drug and alcohol treatment may only be partially covered, and you would need to use supplemental insurance or pay the remainder out of pocket.

United Healthcare offers multiple plans and policies, and we recommend you first find out whether you have a Maximum Non-Network Reimbursement Program (MNRP) included in your insurance plan. Whether you do or don’t makes an important difference to what you pay out of your own pocket for certain services such as rehab. It means your health insurance policy views rehab as nonemergency health care and reimbursement will, therefore, be a percentage of the rates published by Medicare for similar services.

Not all United Healthcare plans have an MNRP, and you may have better insurance coverage if they don’t.

young man sitting on couch during session with counselor - concept image for united healthcare rehab coverage

United Healthcare Insurance Coverage for Outpatient Treatment

Whether you’re covered for outpatient treatment depends on your policy, which state you reside in, and if your drug abuse treatment provider is within a preferred provider network. United Healthcare drug rehab offers short-term medical, which might include outpatient rehab. Most people’s policy covers some degree of outpatient treatment, and the more you pay each month, the more you can expect to receive to subsidize medical care for addiction. If you require mental health coverage in addition to substance abuse and drug rehab services, your insurance company may cover those co-occurring health issues services differently as well.

With a comprehensive United Healthcare plan, you have a deductible of about 20-30%. This means that once you’ve paid your deductible — usually between $1,000 and $10,000 — insurance kicks in. Most of these United Healthcare policies carry a term maximum of $3,000, so you’ll be responsible for anything more than that amount.


How Can I Cover the Rest of the Costs for Substance Abuse Treatment?

There are several options if you’re looking to cover the costs outside of what your United Healthcare insurance pays out for substance abuse recovery services. You can get credit — a personal loan or health care credit card can be excellent resources for those with a good credit rating. Crowdfunding is another option for those who are looking to raise extra funds for treatment. Social media can be a great place to find donors who believe in your cause whom you can update with your progress and share your successes with.

When enrolled in a treatment program, Changing Tides can work on finding additional ways/means to have your drug and alcohol rehabilitation costs covered outside of your insurance provider.

Changing Tides also accepts insurance from these major providers including Anthem, Carelon Behavioral HealthBlue Cross Blue ShieldCigna, and Optima

We Accept Your Insurance

If you or a loved one are ready for rehabilitation from Drugs or Alcohol — Call Us today or click “Get Started” below.  Changing Tides is ready to help!