UnitedHealthcare Insurance Coverage For Drug Rehab

Medically Reviewed by Johnelle Smith, M.D. on December 15, 2023

UnitedHealthcare offers health insurance coverage that includes benefits for addiction treatment services such as behavioral therapy, medication-assisted treatment, and more.

Drug Rehab Centers That Accept UnitedHealthCare Insurance

UnitedHealthcare is a health insurance company that offers individual, family, and managed care plans for people throughout the United States.

This company is part of a larger organization called UnitedHealth Group, which is a holding company for several other health-related businesses.

UnitedHealthcare works with 6,700 hospitals and clinics and 1.3 million doctors nationwide to bring health care to its members.

Does UnitedHealthcare Cover Rehab?

Yes, UnitedHealthcare provides broad coverage for substance use disorders. The Member Handbook breaks these services down into individual services and community services.

Individual services include treatments like therapy or medication-assisted treatment (MAT). Community-based services include levels of care like residential treatment or a partial hospitalization program (PHP).

Substance Abuse Treatment Services Covered By UnitedHealthcare

For a clear look at what UnitedHealthcare covers and does not cover, take a moment to review the table below.

Treatment Type Covered Not Covered
Long-Term Residential Treatment ✔️
Residential Treatment ✔️
Inpatient Treatment ✔️
Inpatient Detox ✔️
Partial Hospitalization Program (PHP) ✔️
Intensive Outpatient Program (IOP) ✔️
Outpatient Program Medication-Assisted Treatment (MAT) ✔️
Dual Diagnosis Treatment ✔️

UnitedHealthcare Coverage By Treatment Type

Browse through the tabs below to find more information about UnitedHealthcare coverage by treatment type.

UnitedHealthcare Plan Types

UnitedHealthcare provides individual and family plans, plans for employers, marketplace plans, and managed care plans through Medicare.

Among the individual and family plans, you will find three basic levels:

  • Bronze
  • Silver
  • Gold

Within each level, you will find a variety of healthcare plans aimed at meeting your needs, including the expected healthcare services you’re likely to access through the coming year.

This includes balancing needs for a lower monthly premium versus needs for a lower deductible.

How To Use UnitedHealthcare Coverage For Substance Abuse Treatment

If you want to use your health insurance to fund all or part of your substance abuse treatment, you should find an in-network provider.

You may get some coverage working with out-of-network providers, but you will have higher out-of-pocket expenses.

Finding out where your treatment provider stands with your insurance company may be as simple as looking on the facility’s website, using its insurance verification page, or giving them a call.

Once you have determined that the rehab center is in-network with UnitedHealthcare, or at least willing to work with them, then you can go over your policy details with an intake specialist.

UnitedHealthcare Co-Pays And Deductibles For Addiction Treatment

Deductibles, co-pays, and coinsurance can vary greatly depending on your plan type. What we have below are only examples of what to expect.

Below are three non-marketplace plans that the UnitedHealthcare website recommended for a 40-year-old man in Birmingham, AL, who expects to use a high amount of healthcare.

Three of the 14 plans recommended for this individual include:

  • Bronze plan, which has a deductible of $8,300 and a coinsurance of 50% for outpatient and inpatient addiction treatment
  • Silver plan, which has a $3,600 deductible and requires a $100 co-pay for office visits and 40% coinsurance for inpatient and outpatient services
  • Gold plan, which has a $2,000 deductible and a 20% coinsurance for visits and inpatient and outpatient services

What Addictions Does UntiedHealthcare Insurance Cover?

UnitedHealthcare covers a wide range of addictions and co-occurring mental health disorders.

Forms of substance abuse covered by UnitedHealthcare include:

What If My Insurance Plan Doesn’t Cover The Treatment Program I Need?

If your health insurance doesn’t cover your treatment plan, don’t give up. There are other payment options available for people who cannot afford addiction treatment.

The following options may be available to you depending on your age, income, or other circumstances:

  • state-funded addiction treatment centers that offer services at a low cost or for free
  • government-sponsored health insurance including Medicare, Medicaid, TRICARE, and state-funded insurance programs
  • grants through the Substance Abuse and Mental Health Services Administration (SAMHSA) or other government agencies
  • payment assistance, payment plans, scholarships, or a sliding fee scale through your treatment facility

Finding A Rehab Center That Accepts UnitedHealthcare

You can go about finding in-network treatment providers in a few ways. Probably the most efficient is to call the customer care line for UnitedHealthcare and ask who they work with within your area.

You can also try looking through a provider directory that insurance companies give to their members.
You usually find it in print or online through your member services portal.

Finally, if you have treatment facilities in your area that you are exploring, you can ask them if they work with UnitedHealthcare.

If you don’t want to make a phone call, rehab facilities often have an insurance verification page or list of companies they work with on their websites.

Find Addiction Treatment Today

If you or a loved one are looking for addiction treatment, you can find it today. Call us to learn how the treatment process works and how to start the recovery journey.

This page does not provide medical advice. See more

Addiction Resource aims to provide only the most current, accurate information in regards to addiction and addiction treatment, which means we only reference the most credible sources available.

These include peer-reviewed journals, government entities and academic institutions, and leaders in addiction healthcare and advocacy. Learn more about how we safeguard our content by viewing our editorial policy.

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Medically Reviewed by
Johnelle Smith, M.D. on December 15, 2023

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