UnitedHealthcare is one of the nation’s largest health insurance providers, serving roughly 70 million people worldwide. If you get your insurance coverage through UnitedHealthcare, rest assured that you have some assistance to help pay for addiction treatment services. How much your insurance covers and what your out-of-pocket costs will be depend on your policy, your location and your treatment center.
Compassion Behavioral Health Accepts UnitedHealthcare
Compassion Behavioral Health works with individuals who are struggling with substance abuse and a mental health disorder, also known as a co-occurring disorder. What makes us different from other treatment centers is that we have two tracks of treatment. One track is for individuals who have an addiction but mostly suffer from a mental health disorder. The other track is for individuals who have a mental health disorder but mostly suffer from substance abuse.
Whichever route of treatment you choose, you can expect some coverage from United Healthcare. Understanding what your insurance policy covers can be confusing, though. Fortunately, Compassion Behavioral Health has admissions coordinators that can help make sense of your policy. Call us at 844-660-0084 to verify coverage at our treatment facility.
We’ve attempted to answer as many questions as possible below, but if you have additional concerns, contact us today. We’re happy to help and find the best options for treatment for you or a loved one.
Dual Diagnosis Treatment Costs
In order to get clean and begin recovery, most addicts need detox, treatment and medication. These are the types of costs associated with a full recovery. Detox alone is not effective, and you can’t begin treatment without being clean first. So, these three services are essential.
- Medical detox. It’s always recommended to detox in a medical setting, as withdrawal from some substances can be fatal. The average detox is 3-7 days depending on the type of drug, how long you’ve been using and how much you’ve been using.
- Treatment. Treatment comes in a variety of forms, including outpatient and inpatient rehab. Outpatient is generally cheaper but is not recommended for severe addictions. Costs vary from $1,000 to $25,000+. A higher cost does not necessarily indicate better treatment.
- Medication. Medications are typically needed during detox and treatment to manage withdrawal symptoms and cravings. Not all insurance plans cover medication but many will. An exception is methadone maintenance, which United Healthcare does not cover.
Bottom line: Do your research before choosing an addiction treatment facility. Treatment is expensive, but with United Healthcare, you can get the best drug and alcohol rehab services at a fair price.
Does United Healthcare Provide Reliable Insurance?
Many people are unaware of how “good” their insurance is until they have to use it. When exploring drug and alcohol treatment centers, you’ll probably find yourself asking what type of insurance United Healthcare is. Fortunately, United Healthcare is one of the top providers of health insurance plans for both individuals and employers. They provide health insurance, dental insurance, vision insurance and short-term health insurance.
Since the Affordable Care Act (ACA) was introduced, more health insurance providers have expanded their treatment coverage options. United Healthcare is one of them. The insurance company offers rehab coverage for members, and in many cases, coverage for inpatient rehabilitation, outpatient rehabilitation and follow-up care.
United Healthcare has a network of over 80,000 licensed behavioral health professionals. The company also provides access to specialty care providers at outpatient and inpatient treatment facilities at more than 3,600 locations. If you have insurance through United Healthcare, you are in good hands.
What Benefits are Covered with United Healthcare?
United Healthcare offers a wide range of insurance coverage programs that include individual plans, family plans, Medicare and group coverage for small and large businesses. The most popular plans include United Choice, United Choice Plus and United Options Planned Provider Organization (PPO).
All plans include some type of coverage for diagnostic services, medical detoxification and withdrawal medication. The level of coverage you receive is based on your history, the policy and your treatment center. Additional benefits that may be included in your plan are:
- Health and wellness programs
- Integrated behavioral and medical care
- General pharmacology
- Nutrition counseling
- Support helplines
Do You Need to Choose In-Network Treatment Centers?
Unlike other health services, addiction treatment centers typically do not need to be in-network to be covered. However, it’s possible that your insurance plan will cover more of an in-network treatment center and less for an out-of-network treatment center. If this is the case, you will have to pay more in coinsurance or copays.
What your insurance plan covers also depends on whether you have a PPO or HMO. HMOs usually only cover care from in-network providers. They have relationships with these providers, so they tend to be more affordable. PPOs do give preference to in-network providers, but they will often cover out-of-network providers as well. The discounts may not be as generous, though.
Second Thoughts? Addiction Always Costs More.
It’s common to worry about the financial burdens of addiction recovery services. In fact, the cost of treatment is one of the most common barriers to treatment. What some people fail to realize is that addiction itself is costly - in more ways than one.
Drugs and alcohol cost money. By continuing to abuse these substances, you’re at risk for criminal fines, legal fines and late fees. Your productivity at work will probably decline as well, putting your job on the line. Investing in treatment stops this from happening and attempts to give your life back.
It’s also important to know that there are other ways to pay for treatment. If your insurance only covers a small portion of treatment services, you can pay for your out-of-pocket costs using a credit card, taking out a personal loan or applying for a grant through SAMHSA. All of these are better options than refusing treatment.
Call Our Admissions Coordinators Today
The quickest way to determine what coverage you can get for treatment at Compassion Behavioral Health is to call one of our admissions coordinators at 844-660-0084. We will be happy to verify your insurance and determine exactly what is covered. The sooner you have this information, the sooner you can make a decision for yourself or a loved one. Call us today! Your call is confidential. Compassion Behavioral Health is not contracted with United Healthcare, therefore bills United Healthcare for services at an out-of-network rate.