List Of Rehab Centers That Accept UnitedHealthCare

Rehab Centers That Accept United Healthcare

UnitedHealthCare is an insurance corporation that provides medical coverage for more than 4 million policyholders worldwide.

Alcohol and drug rehab programs are covered by UnitedHealthCare plans, though rates of coverage vary according to the individual plan.

For those seeking addiction treatment using their UnitedHealthCare insurance plan, they may find that their plan covers most or all of treatment costs, with little or no expense to them.

For this reason, it’s important to know which rehab centers will accept an individual’s UnitedHealthCare plan, and which services and treatments are covered.

United Healthcare Coverage For Addiction Treatment

The addiction treatment services and rehab programs covered by United Healthcare will vary by plan and according to individual treatment need.

The following is a list of addiction treatment services generally covered by United Healthcare plans:

• inpatient, medically assisted detox
• outpatient detox
• inpatient rehab programs
• outpatient treatment
• counseling
• medication-assisted treatment
• behavioral therapies
• dual-diagnosis treatment

UnitedHealthCare provides employer and private plans, community plans, Medicare plans, and Medicaid plans. In other words, one person’s plan and level of coverage may vary greatly from that of the next.

One plan may have a high deductible and low monthly premium, while another may have a high monthly premium and lower deductible. Medicaid and Medicare plans often have very specific guidelines for what is covered, and may only be accepted by certain rehab centers.

For these reasons, it’s important to research the exact services covered by a person’s plan and have a full clinical assessment prior to the start of treatment to determine which treatment services a person will need.

Finding A Rehab Center That Accepts UnitedHealthCare

Selecting an inpatient rehab center that accepts UnitedHealthCare is equally important. Using a private insurance plan instead of paying for addiction treatment out-of-pocket can greatly alleviate the overall amount a person will have to pay.

Finding a treatment program at a rehab facility that accepts an individual’s insurance can ensure there are few difficulties with insurance compliance.

This allows the person entering treatment to focus less on how they will pay for treatment and more on recovery.

Should an individual choose to attend a rehab center that does not accept their insurance, they may face increased treatment costs. However, many facilities will work with individuals and families to design a private pay plan that works for them.

Does UnitedHealthCare Only Cover In-Network Rehab Centers?

Most UnitedHealthCare plans cover in-network addiction treatment services with little or no cost to the policyholder. Each plan has a complete list of preferred, or in-network, providers.

Out-of-network treatment may be completely covered, partially covered, or not covered at all, depending on an individual’s plan.

For example, many of the Gold plans through UnitedHealthCare cover out-of-network coverage. However, these plans cover services at a reduced rate, such as 50 percent, after meeting the deductible.

Also, individuals seeking treatment at a facility not in their preferred provider network may have to gain authorization prior to starting treatment. This may include calling their UnitedHealthCare coverage specialist and finding out what documentation, if any, or other requirements must be fulfilled.

Where To Find A List Of Rehab Centers That Accept UnitedHealthCare

UnitedHealthCare covers millions of individuals for medical needs worldwide, so many rehab centers accept this type of insurance.

However, UnitedHealthCare includes Medicaid and Medicare plans, and these may not be accepted at every rehab center.

Most addiction treatment facilities keep a specific list of types of insurance they will accept. To know for sure, individuals considering a rehab program at a certain facility should first ask for a list of acceptable plans.

Addiction treatment specialists can typically provide this information, and answer other treatment-related questions, at no charge to the individual.

Using UnitedHealthCare Insurance For Inpatient Drug And Alcohol Treatment

UnitedHealthCare offers a variety of plans with a range of copays. In general, plans with a higher monthly premium have low deductible amounts to meet or no deductible.

UnitedHealthcare plans are termed either Bronze, Silver, or Gold. The following is a general overview of inpatient services covered by plan, which can vary.

Bronze Plan Coverage

• inpatient addiction treatment covered
• coverage ranges from completely covered to 20 to 50 percent coinsurance after deductible

Silver Plan Coverage

• inpatient addiction treatment covered
• coverage ranges from 0 to 30 percent coinsurance after deductible

Gold Plan Coverage

• inpatient addiction treatment covered
• coverage ranges from 20 to 25 percent coinsurance after deductible
• generally very low deductibles

Deductibles through UnitedHealthCare plans range from $1,000 to $10,000. A deductible is the amount an individual must pay (toward healthcare costs) before coverage begins through their insurance plan.

For certain services, plans may require the policyholder receive prior authorization for treatment, or coverage rates may be reduced.

Because plans vary by state, country, and the individual, these coverage amounts are only an estimation. An individual may pay more or less for inpatient treatment based on their plan.

Using UnitedHealthCare Insurance For Outpatient Treatment

Outpatient treatment services are typically covered by UnitedHealthCare plans at a rate similar to that of inpatient treatment.

Because of the nature of outpatient treatment, other expenses may accrue. For example, outpatient treatment may occur at a doctor’s office, hospital, or rehab center. For each visit, there may be a daily fee, and each plan may require a copay or may cover the cost entirely.

The following is a general overview of outpatient treatment coverage through UnitedHealthCare plans:

Bronze Plans

• outpatient treatment services covered
• partial hospitalization programs covered
• intensive outpatient treatment covered
• coverage ranges from complete coverage up to 40 percent coinsurance after deductiblemost plans cover out-of-network
• outpatient services at 50 percent coinsurance after deductible

Silver Plans

• outpatient treatment services covered
• partial hospitalization programs covered
• intensive outpatient treatment covered
• coverage ranges from zero percent coinsurance up to 30 percent coinsurance after deductible

Gold Plans

• outpatient treatment services covered, usually with a $10 to $20 copay per visit
• partial hospitalization programs covered, usually at 20 to 25 percent coinsurance after deductible
• intensive outpatient treatment covered, usually at 20 to 25 percent coinsurance after deductible
• out-of-network outpatient treatment typically covered at 50 percent coinsurance after deductible

States That Offer UnitedHealthCare Insurance Plans

UnitedHealthCare is one of the largest insurance providers in throughout the United States. The following is a list of states that offer UHC plans:

• Alaska
• Arizona
• California
• Colorado
• Delaware
• Florida
• Georgia
• Hawaii
• Illinois
• Indiana
• Iowa
• Kansas
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Nebraska
• Nevada
• New Hampshire
• New Mexico
• New York
• Ohio
• Oregon
• Pennsylvania Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Utah
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Group plans through UnitedHealthCare may still be available in some of these states.

Both UHC and a related coverage provider, Optum, are owned by the same healthcare coverage provider, UnitedHealthGroup. Because of this, all UnitedHealthCare plans are called by this name, and available in every state not listed above.

Paying For Treatment Costs Not Covered By UnitedHealthCare

Great insurance plans, like those offered by United Healthcare, tend to cover the majority of addiction treatment costs. Yet there are still some costs associated with treatment which program participants must pay.

These can include inpatient treatment daily fees, outpatient visit copays, a coinsurance percent, deductibles, and more. Many rehab centers will work with individuals and their families to develop a payment plan to cover these excess costs.

Cost of treatment should never keep an individual from securing the care they need to begin recovery.

While insurance often covers most of treatment, for everything else, individuals can access a number of resources including private pay plans, scholarships, grants, and even personal loans.

For more information on using a United Healthcare insurance plan to pay for addiction treatment, or finding a rehab center that accepts your plan, contact one of our treatment specialists.

Published on November 27, 2018

Written by the Addiction Resource Editorial Staff