United Healthcare is a multinational insurance company based out of Minnesota. The company provides insurance coverage across the country through numerous plans for employers and individuals. All of this insurance company’s plans include provisions for behavioral health, which allows many treatment centers around the United States to utilize these benefits to help those in need of these services. Arizona’s Camelback Recovery accepts United Healthcare drug rehab coverage for those individuals struggling with drug or alcohol addiction.
Depending on the extent of your coverage through United Healthcare benefits, a portion of your addiction treatment may be covered via your plan benefits. To find out exactly what your United Healthcare insurance policy covers, click here to have our team run a no-cost confidential verification of your benefits so you or a loved one can start treatment as soon as possible.
About United Healthcare Addiction Treatment Coverage
American insurance companies are required to offer coverage for addiction treatment as mandated by the Affordable Care Act and the Mental Health Parity and Addiction Equity Act. This means that United Healthcare provides provisions for addiction treatment services. However, the extent of United Healthcare’s coverage for addiction treatment may vary, and individuals should be prepared for potential out-of-pocket costs associated with these services.
When it comes to United Healthcare’s coverage for alcohol and drug rehab, it’s essential to understand that some plans may only include detoxification services, while others may extend to ongoing rehabilitation assistance.
United Healthcare strongly encourages individuals to choose in-network addiction treatment providers. The significant cost difference between out-of-network and in-network services drives this preference for in-network providers. It’s important to note that certain United Healthcare plans, such as United Healthcare Choice, may restrict or entirely disallow the use of out-of-network providers. Therefore, clearly understanding your United Healthcare plan’s coverage details is crucial when selecting the right addiction treatment services.
Understanding Your Insurance Benefits
Wading through insurance documents can be confusing, especially if you’re unfamiliar with the terminology. Some of the standard terms you may encounter include:
- Copay/coinsurance: A copay is a set amount you’ll be charged upfront for a particular service. Coinsurance is the percentage of the overall cost that United Healthcare Insurance will require you to pay. For example, if your coinsurance rate is 25%, United Healthcare will need you to pay that amount, and it will cover the remainder of the cost.
- Deductible: This is the amount you must pay annually for healthcare-related services before your policy kicks in with coverage.
- Premium: A premium is a monthly payment you’re responsible for to maintain your health insurance policy.
United Healthcare Plans: Medicare
As is the case with many major insurance carriers, United Healthcare has options for those who qualify for Medicare. The specifics of each plan vary depending on where you live and whether you choose an HMO or PPO plan. However, no matter the particulars of your plan, premiums will be affordable. Most plans typically include medical and prescription coverage, though choosing a cheaper option with just one or the other is possible.
Most United Healthcare Medicare plans for mental health services cover inpatient treatment and group therapy if the latter is required as part of a more extensive treatment protocol. It should be noted that Medicare plans are typically only for those age 65 and older, though there are exceptions for people with severe disabilities or end-stage renal disease.
United Healthcare Drug Rehab Insurance Coverage
United Healthcare is a significant group insurance provider with a wide array of plans employers can choose from. It caters to small businesses and major corporate clients, which is why it has an extensive reach for those seeking treatment.
The United Healthcare choice plan is one of the more common options. It offers extensive coverage for in-network mental health treatment centers but no coverage for those out-of-network. United Healthcare Choice Plus allows for some range for out-of-network providers but compels clients to choose in-network options with steep service discounts. United Healthcare mental health coverage through the Choice Plus plan helps patients choose a mental health treatment center in the company’s extensive network by offering incentives. Finally, the PPO options provide some flexibility for out-of-network providers but use the savings cultivated from the cost-preferred provider network to encourage individuals to use a mental health treatment provider that’s part of this network.
United Healthcare drug rehab coverage incorporates an alcohol or drug abuse helpline to aid in finding a suitable drug and alcohol rehabilitation facility. This can help clarify the specifics of an individual insurance plan so you know you’re choosing a treatment program that caters to your needs.
Get the Help You Need Today
You don’t have to suffer from mental illness alone. Whether you’re struggling with an untreated or undertreated condition or a co-occurring disorder, help is within your reach. At Camelback Recovery, we’re dedicated to helping you work through the specifics of your health insurance coverage to get the assistance you need.
If you or a loved one is struggling with mental illness or drug and alcohol addiction, don’t wait another day. Camelback Recovery is a leading addiction treatment center in Phoenix, AZ, and we accept United Healthcare insurance. Take that all-important first step toward treatment and begin the road to recovery. Contact us today!
