Health Insurance – FOR SUBSTANCE ABUSE, DETOX & MENTAL HEALTH ISSUES
DOES UNITEDHEALTHCARE COVER DRUG REHABILITATION?
UnitedHealthcare does cover drug rehabilitation in their services. Which services are covered depends on your policy and service needs, such as whether the program is inpatient or outpatient.
UnitedHealthcare’s PPO network tends to offer the most range of substance abuse treatment facilities. Some policies do require pre-certification, or pre-authorization, for services. Pre-authorization means that you need to be approved for coverage before using services.
Besides individual and family plans that are typical of most insurance companies, UnitedHealthcare also offers short term medical plans. These plans often cover substance abuse treatment programs. The only exception is their lowest premium plan, Short Term Medical Value.
However, what services UnitedHealthcare covers specifically depends on your plan and service needs. Your level of coverage depends on a variety of factors. Your specific needs, such as whether you need inpatient or outpatient services and the length of your stay, will affect the price of your treatment and how much insurance will cover.
In addition to pre-authorization, UnitedHealthcare often requires documentation that explains why inpatient rehab is medically necessary. They will cover detox if they deem it medically necessary.
UnitedHealthcare does not cover specific treatments, such as Methadone. Also, they do not include some of the costs associated with outpatient care.
You can contact UnitedHealthcare customer support to get the details on your specific plan. You can check your summary of benefits as well to see what is covered under your policy and if pre-authorization is necessary.
Also, feel free to contact our experts to get help if navigating insurance feels too overwhelming. Our advisors can help you learn more about your coverage and navigate insurance coverage.
DOES UNITEDHEALTHCARE COVER ALCOHOL REHAB CENTERS?
The road to alcohol addiction treatment is not always the same as drug treatment. It may take a while before you or your loved one realize that alcohol has crossed over into becoming a real problem. You may even wonder if your drinking is enough of a reason to be covered by insurance.
Since the Affordable Care Act was made into law, insurance companies have expanded their substance abuse treatment coverage. UnitedHealthcare offers a wide range of coverage for those seeking treatment for alcohol addiction.
As one of the largest healthcare providers, United Healthcare has an impressive network to provide health. In fact, UnitedHealthcare has more than 80,000 certified and licensed behavioral health professionals. Also, they offer more than 3,600 locations for inpatient and outpatient rehabilitation treatment.
UnitedHealthcare requires that treatment takes place at a facility that provides comprehensive, individualized treatment plans. Also, there is a limit on how many times inpatient services are covered. UnitedHealthcare only covers up to 190 days in a residential psychiatric hospital. They also require patients to demonstrate a medical need to attend more than one substance abuse treatment facility.
You can get the specifics of your plan from UnitedHealthcare customer support or your summary of benefits. You can also contact our advisors for information and support.
UNITEDHEALTHCARE MENTAL HEALTH SERVICES
The Affordable Care Act requires that mental and behavioral health is covered. As a result, UnitedHealthcare provides mental health services through its extensive network of care providers. These providers include therapists, counselor, and psychiatrists.
Often, additional mental health services are necessary for drug and alcohol treatment. Mental health challenges often lead to addiction, so treatment for mental wellness is required.
The law required that insurance providers cover mental health services the same as medical services. What this means is that copay and coverage for mental health must be comparable to their medical coverage.
UNITEDHEALTHCARE BEHAVIORAL HEALTH SERVICES
UnitedHealthcare emphasizes the best drug and alcohol addiction care. As a result, UnitedHealthcare created a separate division specifically for behavioral health. Called United Behavioral Health, this division allows you to speak with a substance abuse healthcare professional confidentially.
United Behavioral Health provides coverage for a wide range of issues, from everyday problems to severe challenges. Their extensive network covers treatment, including:
- Problems stemming from domestic violence
- Eating disorders
- Anxiety and depression
- Substance abuse and recovery
- Stress resulting from life circumstances (i.e., parenting, elder care, family)
To see what services you qualify for and if pre-authorization is required for your care, you can contact UnitedHealthcare customer service. You can also check through their online portal for members, myUHC. Our experts can also help you find the information that you need.
UNITEDHEALTHCARE COVERAGE FOR SUBSTANCE ABUSE TREATMENT
Paying for treatment doesn’t need to be overwhelming. With the right help, you can find the right program for you and be on the road to recovery.
If you have UnitedHealthcare coverage and need help finding treatment for a drug and alcohol addiction, contact Asana Recovery to get the help you need. We have the expertise to help you understand your policy, how to get pre-authorization if necessary and navigate insurance channels.