Substance Abuse Treatment Covered By United Healthcare
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 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.
United Healthcare & Outpatient Treatment
Whether you’re covered for outpatient treatment depends on your policy and which state you reside in. United Healthcare offers short-term medical plans, 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.
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.