UnitedHealth Group (often known as UHC) is made up of two companies: UnitedHealthcare and Optum, and it provides healthcare coverage in all 50 states and 130 countries. UnitedHealthcare is a healthcare provider that serves over 28 million Americans. UnitedHealth Group has expanded and changed in tandem with advancements in healthcare and technology since 1974.

UnitedHealthcare offers health insurance and other benefits. Optum provides healthcare services that are aided by information and technology.

Coverage Levels and Plans

The following are the major types of plans provided by UnitedHealthcare insurance:

  • Marketplace plans under the Affordable Care Act (ACA) – These plans were created after the Affordable Care Act was established. Because no employer payments are made with these plans, monthly premiums are often higher than with normal healthcare. Premiums are calculated depending on your family income and the number of individuals living in it.
  • Plans for group benefits – These plans are offered by your company.
  • Government assistance plans – Medicare (which is mostly offered to the elderly) and Medicaid are two examples (mostly for low-income families and individuals). UHC permits Medicare and Medicaid recipients to select plans that go above and beyond the bare minimum of coverage.

Mental Health Treatment Coverage

With UnitedHealthcare insurance coverage, substance abuse, behavioral health, and mental health are all categorized together. The same level of coverage is provided for inpatient or outpatient treatment for behavioral health or mental health reasons as treatment in an addiction facility.

Substance Abuse Policy Coverage

Drug and alcohol addiction services that are frequently mentioned in policies include:

  • Inpatient hospital detoxification
  • Inpatient rehabilitation
  • Outpatient detoxification
  • Outpatient alcohol and drug abuse rehabilitation

When compared to other plans, a PPO network policy will often provide a large selection of drug addiction treatment centers. Depending on the services offered and whether the program is inpatient or outpatient, some rules may additionally need pre-certification.

Does UnitedHealthcare Cover Drug and Alcohol Treatment?

Rehabilitation services are largely offered by:

Inpatient Care: Where one has to stay at a facility 24 hours a day, seven days a week, to receive treatment for a drug or alcohol use problem. This is frequently done in a hospital setting so that patients may be monitored by medical professionals. United Healthcare, in addition to individual and family insurance policies, offers short-term medical plans that may include coverage for a drug addiction treatment program. The lowest premium plan – Short Term Medical Value – is an exception since it does not cover expenditures connected to drug and alcohol misuse treatment. The remaining short-term policies, on the other hand, all offer some help to policyholders.

Outpatient care: This is the least rigorous option, requiring patients to visit a facility for a few hours, multiple days a week. The outpatient rehab coverage provided by United Healthcare is quite comparable to the inpatient benefits offered. Short-term coverage, one of the company’s lower-level plans, helps cover drug and alcohol rehabilitation; nevertheless, fees may vary. Outpatient coverage under United Healthcare’s short-term plan includes 20-30% coinsurance after the deductible.

Do Treatment Centers Need to be In-Network?

No, treatment clinics do not always need to be in-network. Some plans, however, will need a higher coinsurance percentage or copays to see a physician who is not in your network. Other plans may not cover all out-of-network services, leaving you to bear the charges.

Find the Help You Need

Worrying about the price of addiction treatment is normal, but it does not have to prevent you from receiving the care you require. Speak with a treatment provider today for assistance in confirming your insurance plan and locating treatment options.

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