Addiction Treatment with United Healthcare Insurance

If you have United Healthcare Insurance, you may be wondering if addiction treatment for drugs or alcohol is covered. Read more to learn about types of treatment and how this insurance plan will cover you, as you seek treatment. Knowing that you are covered is just one more plus in your getting on the road to recovery; we want you to learn more.


Types of Treatment

There are different levels of treatment, depending on what stage you are at in recovery from drugs or alcohol. These include:

  • Inpatient
  • Partial Hospitalization
  • Intensive Outpatient – IOP
  • Outpatient – OP


Detox can be done as an inpatient or outpatient.


What is Involved

Inpatient care is at the facility, which may be a homelike setting. Detox is medically supervised, with care available 24/7 from medical professionals. You are there through the withdrawal phase and begin therapy shortly after, or as the symptoms get better. Your stay may be anywhere from 28 days to six months.


Outpatient care can also involve detox, if symptoms are mild to moderate. You will need to check in daily at the rehab facility and be available if medication is needed. After that, outpatient services are planned according to your individual needs. You can work or look after family, but will have therapy sessions for recovery from 10 to 12 hours a week. You may need to go to Alcoholics Anonymous (AA) or Narcotics Anonymous (NA) meetings, which are usually scheduled in the evenings.


The goal is long-term recovery, with knowledge of coping skills and options for a more positive life, with better choices. The right rehab will help you to make future sobriety a reality.


Recovery With Help From United Health Care

It is often the case that a treatment center does not need to be in their network. Check with the insurance to be sure of coverage. United Healthcare covers the following: Inpatient detox, outpatient detox, inpatient rehab and outpatient rehab for drugs and alcohol. Usually, they offer a wide array of facilities; you may need to get approval beforehand, depending on the program.


Inpatient Rehab – United Healthcare

If you have Short Term Medical Value, the lowest cost plan, substance abuse is not covered. Otherwise, the other short-term plans will provide some assistance.


You may have to pay a deductible, which can range from $1,000 to $10,000. The plans may have a term maximum of $3000; you will be required to pay the rest.


Outpatient Rehab – United Healthcare

After the deductible has been met, the short term plan’s outpatient coverage involves 20 to 30 percent coinsurance.


Covered are individual outpatient visits to the doctor; patients are limited to $50 per each visit.


Like the inpatient coverage, there is a $3,000 policy term maximum per covered person, if you have short term coverage.


Don’t let addiction to drugs or alcohol control your life. Now that you know that there is help from your insurance provider, give us a call to get started on the road to sobriety and recovery. It is possible to begin to see the world more brightly, as you learn positive coping skills and head to a brighter future.

You Are Not Alone

Addiction does not need to define your life forever. With help and through treatment, you are given the tools to live your best life, being the healthiest version of yourself. To start your newfound journey toward sobriety and recovery, make the first steps and seek assistance today.