United Healthcare Rehab Coverage FAQs
How does United Healthcare Decide My Rehab Claim?
The majority of UnitedHealthcare’s health plans have been awarded NCQA Health Plan Accreditation. United Healthcare drug rehab coverage decisions are made based on your individual health plan. They comply with all Federal guidelines. Each claim decision is reviewed on a case by case basis and varies by state. In general, United Healthcare will look at services you use. They then follow national guidelines and other policies to determine if your claim is covered. Services that may be covered can include drug addiction rehab, blood-tests, surgeries, or hospital stays.
For drug treatment, you may need a doctor’s evaluation and recommendation first. Their claim is then decided on the “severity” of your addiction. If United Healthcare does not consider treatment to be needed, they won’t pay for it.
If they will not pay, your claim is denied. United Healthcare will send you a notice. You DO have the right to appeal. If you use up your appeals, it is then possible to have an independent doctor review your denied claim in a process called an “external review.”
To start an appeal for United Healthcare rehab coverage, call their Member Services number on your United Healthcare ID card. They typically allow 60 days from the date of the initial payment or denial notice to file, but this deadline can be extended. If Member Services doesn’t resolve your issue, ask for an appeal.
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Does United Healthcare Cover Rehab?
Yes, United Healthcare drug rehab is usually included in most plans. They base coverage on a number of factors which vary based on your plan. UnitedHealthcare individual medical plan levels are:
United Healthcare will provide either partial or full rehab coverage. You are responsible for whatever they do not cover. Also, you will likely have to pay your deductible amount first before your insurance coverage takes over.
Most United Healthcare plans have coverage for the following:
|Intensive Outpatient Programs (IOP)|
|Mental Health Programs|
|Behavioral Health Programs|
To manage your United Healthcare plan, or learn more about it, you can visit UnitedHealthcare’s Website and use their myClaims Manager. They also have a mobile app.
How Long Does United Healthcare Rehab Coverage Last?
United Healthcare rehab coverage has a variety of treatment lengths. It is possible to be covered for several months. They base their coverage on a case-by-case basis.
Out-of-Network providers may not be allowed, or often incur additional costs.
Contact United Healthcare to confirm your level of coverage, if any, for out-of-network providers.
Does United Healthcare Allow for Treatment at Luxury Rehab Facilities
Yes, but not with all plans. United Healthcare allows certain, luxury and private rehabilitation centers. Luxury drug rehabs are often where wealthy people and celebrities will go for addiction help. They are often as nice as any hotel or resort you may use for a vacation spot. They usually have massages, acupuncture, hot-tubs, pools, and quality dining, in addition to other exclusive privileges.
Inpatient Addiction Treatment vs. Outpatient Treatment
This is one of the biggest and most important choices that a patient or their family will make when looking for addiction help and thankfully, there are man United Healthcare drug rehab providers! Where you go, and what you do from here on matters and can determine your level of success.
Both options are better than not seeking treatment and could save your life. They each have their own strengths and weaknesses.
An outpatient facility is usually a local option. They give you the chance to meet with medical professionals like doctors, alcohol and drug counselors, or therapists, attend group sessions, and go to recovery meetings while being able to head home afterwards. Co-pays may be required for each visit.
Inpatient facilities, also called residential programs, are most often 28 day programs. They provide structure and are typically remote destinations where you stay in the facility for the duration of the program.
Do I need Insurance to go to Rehab?
You are not required to have insurance to get addiction treatment. However, without insurance, the cost of drug rehab facilities is usually very expensive and impractical for most people. You would need to pay out of pocket. You can certainly pay with a credit or debit card, work out a payment plan, or use other methods that each facility accepts.
Typical inpatient rehabs may cost anywhere from $6,000-$20,000 for a 28 day program.
Outpatient Rehab can range from $4,000-$10,000 for 90 days. The cost of outpatient rehab will vary and is mostly based on how many visits are made.
Get Approved for United Healthcare Rehab Coverage
Verifying what insurance will cover can be a time-consuming process. This hassle usually involves lots of waiting and multi phone calls back and forth. Our knowledgeable staff can verify your coverage for you and take the stress and annoyance out of this already difficult time. You have enough to worry about already. Verifying insurance coverage for rehab shouldn’t be an additional burden.
NOTICE: Step One Rehab works hard to make sure our information is accurate. Due to constant changes in insurance company policies, we suggest you contact your insurance company with your member ID ready to confirm your particular coverage or submit our free verification form to verify benefits.
Give us a call today and let us handle this step and get you on your way to an approved Untied Healthcare drug rehab provider! We are totally confidential. Our number is 877-348-7494