When you’re seeking addiction or mental health treatment, it’s important to consider the costs. Insurance can offset the out-of-pocket cost of treatment, but not every plan offers the same coverage and benefits.
If you have United Healthcare insurance, it’s essential to be aware of what your plan does and doesn’t cover. You may take comfort in knowing that United Healthcare works with upwards of 1.3 million physicians and healthcare providers nationwide, in addition to over 6,700 hospitals and facilities across the country.
So, what kind of coverage does United Healthcare offer for addiction and mental health? We’ll explore the details below.
If you’re seeking United Healthcare rehab coverage, it’s helpful to understand the different types of insurance plans this company offers. United Healthcare offers both individual and family plans, with different benefits packages tailored to unique needs.
The various insurance plans offered by United Healthcare are discussed below.
United Healthcare offers short-term plans, typically lasting a year or less. These plans are designed to provide coverage to people who are temporarily without health insurance.
United Healthcare sells plans on the ACA Marketplace, also called the Exchange. People who are income-eligible may receive government subsidies to lower the cost of a plan purchased on the Marketplace.
United Healthcare also offers self-employment plans for people who are self-employed and do not have employees. Options include short-term plans lasting from one month to almost a year, and TriTerm Medical insurance that can last almost three years. The good news about these plans is you can deduct 100% of your health insurance premiums from your taxes!
A student health plan may be a viable option for college students seeking health insurance coverage. These plans tend to offer lower rates than other options, because they cover young adults who are typically healthy. They may cost even less than employer-sponsored family plans.
Employer-sponsored plans through United Healthcare give members access to large networks of providers and services. These plans may be a part of your benefits package, and you can sign up for them during open enrollment periods.
One common employer-sponsored insurance option offered through United Healthcare is the Options PPO Plan. These plans allow you to use any provider, hospital, clinic, or facility that belongs to a national network. Staying in-network reduces the cost of your treatment.
Through the Options PPO plan, you can access the following benefits:
These are not the only benefits offered by the Options PPO Plan. If you’re using United Healthcare for rehab, it’s important to ensure that your mental health or addiction rehab provider is in-network with your Options PPO plan. You’ll pay more for out-of-network services.
United Health drug rehab coverage is a possibility. Plans through this insurance company may cover behavioral health services like mental health and addiction treatment.
Covered services may include assessments, outpatient treatment, prescription medications, and inpatient care. Services might include appointments or visits with a psychiatrist, social worker, psychologist, or professional counselor. Whether your plan offers coverage for rehab and other behavioral health concerns will depend on the type of plan you have. You can review your policy documents or contact United Healthcare directly, by calling the number on your insurance card, to learn what behavioral health services are covered under your plan.
United Behavioral Health is the division responsible for managing behavioral healthcare services for United Healthcare. Members can access numerous mental health and substance abuse resources through United Behavioral Health, including free screening tools.
As a United Healthcare member, you can also call the number on the back of your card to find information about in-network mental health and addiction treatment providers.
Many plans through United Healthcare offer behavioral health coverage for treatment of mental health and substance use disorders. This coverage can extend to inpatient treatment, but with limitations.
For example, to cover treatment, United Healthcare requires that facilities provide individualized treatment plans. The insurance company also places limits on the amount of inpatient care that is covered. If you’re planning to use United Health drug rehab coverage, you will be limited to 190 days in a residential psychiatric hospital.
Beyond these specific requirements and limitations, you will need to demonstrate that you have a medical need for services. Ultimately, the specific services that are covered will depend on your individual insurance plan.
If you’re seeking mental health or addiction treatment, you may need to take prescription medications. Fortunately, United Healthcare does offer prescription drug benefits.
Whether a specific drug is covered depends on your insurance plan. You can review your plan details online. Your plan through United Healthcare will include a Prescription Drug List (PDL), which is a list of all medications covered under your plan. You can check your PDL when a doctor prescribes a medication to determine if it’s covered.
If you’re looking for drug rehabs that accept United Healthcare, Comprehensive Wellness Centers in Florida is here to help. We accept United Healthcare, and we are an in-network provider with this insurance company.
We are proud to serve various locations across South Florida, including Palm Beach County and Broward County. Reach out to us today to verify your insurance benefits and get connected to the mental health and addiction treatment you need.
