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.
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.