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 the set amount you’ll be charged up front 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 health care-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 Group 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 such 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 facility that’s part of this network.
United Healthcare rehab coverage incorporates a substance abuse helpline to aid in finding a suitable drug and alcohol rehab 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.