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 insurance policy covers drug or alcohol rehab depends on your individual plan and location.

Substance Abuse Treatment Covered By United Healthcare

United Healthcare has a division called United Behavioural 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 who can offer support and advice.

We recommend finding 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 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 coverage if they don’t.


Whether you’re covered for residential treatment depends on your policy and which state you reside in. United Healthcare offers short-term medical plans, which might include a stay in inpatient rehab. Most people’s policy covers some degree of residential treatment, and the more you pay each month, the more you can expect to receive to subsidize medical care for addiction.

With a comprehensive 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 policies carry a term maximum of $3,000, so you’ll be responsible for anything more than that amount.


As with inpatient coverage, lower-level plans that cost less each month pay out less in the event of a claim, while more comprehensive plans offer more. United Healthcare’s short-term plan coverage has around a 20-30% coinsurance once your deductible is covered. For an individual outpatient doctor’s visit, there is a $50 limit. Short-term coverage has a $3,000 policy term maximum for each covered person.

Health care credit

How Can I Cover the Rest of the Costs?

There are several options if you’re looking to cover the costs outside of what your insurance pays out. 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.

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Changing Tides Can Help You to Rebuild Your Life

If you or someone you love is struggling with addiction, Changing Tides can help you make the changes necessary to get back on track to realizing your full potential.

We understand that trying to make sense of confusing insurance policies can be daunting. If you need guidance, feel free to call us at 252-715-3905 to speak to a member of our friendly team.

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