united-healthcare-rehab-coverage

United Healthcare Insurance Coverage for Drug & Alcohol Rehab 

 

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.

UnitedHealthcare Drug and Alcohol Rehab Coverage – FAQ

How does UnitedHealthcare Decide my Claim?

The majority of UnitedHealthcare’s health plans have been awarded NCQA Health Plan Accreditation. UnitedHealthcare makes decisions about their coverage based on your 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, UnitedHealthcare 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 UnitedHealthcare does not consider treatment to be needed, they won’t pay for it.

If they will not pay, your claim is denied. UnitedHealthcare 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 with UnitedHealthcare, call their Member Services number on your UnitedHealthcare 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.

Per UnitedHealthcare’s Appeal Process, most appeals are answered within 30 calendar days. You can view their appeal guidelines HERE. It is possible to get appeals expedited.


Does UnitedHealthcare Cover Rehab?

Yes, UnitedHealthcare usually will cover drug rehab. They base coverage on a number of factors which vary based on your plan. UnitedHealthcare individual medical plan levels are:

UnitedHealthcare will provide either partial or full 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 UnitedHealthcare plans have coverage for the following:

  • Detoxification
  • Inpatient/residential treatment
  • Partial hospitalization
  • Intensive outpatient programs (IOP)
  • After-care programs
  • Various mental health and 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.

 

Does UnitedHealthcare Cover Rehab?

Yes, UnitedHealthcare usually will cover drug rehab. They base coverage on a number of factors which vary based on your plan. UnitedHealthcare individual medical plan levels are:

UnitedHealthcare will provide either partial or full 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 UnitedHealthcare plans have coverage for the following:

  • Detoxification
  • Inpatient/residential treatment
  • Partial hospitalization
  • Intensive outpatient programs (IOP)
  • After-care programs

Various mental health and 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 will UnitedHealthcare Cover Addiction Treatment?

UnitedHealthcare coverage length varies. 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 UnitedHealthcare to confirm your level of coverage, if any, for out-of-network providers.

Does UnitedHealthcare Allow for Treatment at Luxury Rehab Facilities?

Yes, but not with all plans. UnitedHealthcare 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. 

 
Premier Settings

Premier Settings

Private Gyms

Private Gyms

Massage Therapy

Massage Therapy

Yoga

Yoga

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. 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 an Approved UnitedHealthcare Drug and Alcohol Rehab

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.

Instead, give us a call now and let us handle this step, at no cost to you! We are totally confidential. Our number is 877-348-7494