Most United Healthcare plans offer helpful assistance for clients who need help with drug abuse or alcohol treatment. The upfront cost of your treatment program may fluctuate depending on your United Healthcare Policy and your state.

United Healthcare Insurance

It offers a wide range of polices that have different types of coverage. Although most of its plans are dedicated towards helping people who are struggling with addiction for substance abuse or/and addiction for alcohol, the upfront cost of recovery majorly depends on the location of the client and the type of policy that he or she has. Therefore, it’s advisable to contact our experts at Seacrest Recovery Center in Boynton Beach FL to guide you in conducting an insurance check so that you can get good value for your money.

United Behavioral Health

To ensure that people who are looking for the best addiction treatment services get the best available options, United Healthcare Insurance has another division under its umbrella called United Behavioral Health. The work of this special division is to offer clients a platform to confidentially speak with a substance abuse healthcare expert. The yearly visits of United Healthcare include counseling and overall screening in a primary rehabilitation care setting for drug abuse and alcohol addiction.

United Healthcare’s Coverage for Drug Abuse

The substance abuse and alcohol addiction services of United Healthcare policies consist of:

Inpatient detoxification
Outpatient detoxification
Inpatient rehabilitation
Outpatient alcohol addiction and drug abuse rehabilitation
A PPO network policy has the potential of offering a wide array of drug abuse treatment centers as compared to other available plans. Some policies require pre-certification depending on the available services and whether the recovery programs are inpatient or outpatient.

Do the rehab centers have to be in the network?

The recovery centers don’t have to be in the network. However, some of the plans may require some coinsurance percentages in order to see a service provider who is not in your network. In addition, there are certain plans that may not cover a provider that is outside the network, and thus leave you with the full responsibility for paying the costs of your rehabilitation treatment. We understand all these complexities and take the burden off your shoulders and guide you through the obstacles of getting the best treatment that is customized to suit your specific needs.

Coverage for Inpatient Treatment

Inpatient treatment depends on the type of plan you have with United Healthcare as well as your state. Besides the family and individual insurance plans, United Healthcare provides its clients with short term medical plans that cover drug abuse treatment programs.

The Costs of Inpatient Rehab Services

Many individual plans cover drug abuse treatment programs as part of United Healthcare’s short term medical plans. The only exception to this is the Short Term Medical Value that usually attracts the lowest premium and hence doesn’t cover for substance abuse and alcohol addiction treatments. The other remaining short term policies offer policyholders assistance when it comes to paying for substance abuse and alcohol addiction treatment.

The more comprehensive plans from United Healthcare and Short Term Medical Plus have deductibles of about 20-30 percent. Hence, once you pay your deductible of about $1000-$10,000, the insurance plan will kick in. It’s important to remember that the plans process a maximum of $3,000, and thus anything that you spend more than that value will be an out-of-pocket payment.

Coverage for Outpatient Treatment

The coverage for outpatient rehabilitation is similar to that of inpatient programs. The company’s lower level short term coverage can offer policyholders assistance for substance abuse and alcohol addiction treatment. However, other accrued expenses may vary slightly.

The Costs of Outpatient Rehab Services

It has a 20-30 percent deeper coinsurance that applies after deductibles. If a policyholder gets outpatient doctor visits then the limitation is up to 50 percent per visit. The term maximum covered per an individual is $3,000 for the short term coverage. Therefore, it’s prudent to discuss these details with our experts to avoid unnecessary mishaps that might even delay your enrollment for a drug abuse or alcohol addiction treatment program.