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United HealthCare Insurance Coverage

Addiction. It has impacted many people and families around you. It may have affected your loved one. Or, maybe it has impacted your own life. Perhaps you’ve recently realized that you are drinking way too much or you’ve started abusing illicit drugs. Maybe you have grown dependent on painkillers and have felt like it’s impossible to function without using these substances. 

You’re not alone; many people struggle with these issues. But, now is the time to make a change. It’s time to take a step toward a healthy, addiction-free life. The best way to do that is to ask for help.

When it comes to addiction treatment, however, many people shy away from the idea of getting professional help for their substance use problems. One of the main reasons for this is the fact that treatment can be expensive. Often, it’s far too expensive for those who need it. Unfortunately, this sometimes prevents people from getting the help they need in order to overcome addiction in their lives.

But, if you’ve been concerned about money and how you’re going to pay for rehab, know that we are here to help. Your United Healthcare (UHC) insurance policy may offer the coverage you need so that you can move forward with treatment.

It can be difficult to navigate through your United Healthcare insurance plan. It can be especially challenging when you’re looking for information about coverage for substance abuse treatment. But, here at Discovery Institute, we will work with you to find out what your plan covers in regards to addiction treatment. 

Does Your United HealthCare Plan Cover Addiction Treatment?

United Healthcare is actually one of the largest health insurance providers in the United States. This company offers coverage for health care and benefits services to millions of individuals. UHC is a part of United Health Group (UHG) and has a division called United Behavioral Health (UBH). Through the benefits provided by UBH, individuals can take advantage of substance abuse support services. 

United Healthcare policies generally offer coverage for various addiction treatment and rehab services, including the following:

  • Inpatient detox programs
  • Outpatient detox programs
  • Inpatient treatment/rehab
  • Outpatient treatment/rehab

So, individuals who need one of these levels of care can receive insurance coverage for these programs. As a result, UHC plan holders can enjoy the benefits and joy of being completely free from addiction in their lives!

Does My Treatment Need Come From an In-Network Facility?

Network Providers, also known as in-network treatment centers, have an agreement with United Healthcare. Facilities that are considered out-of-network or non-network providers do not have a relationship with United Healthcare.

You do not have to use the services of a network provider; you can select a non-network facility for your detox or treatment. However, it’s important to keep in mind that you may not receive much (or any) coverage for out-of-network services. But, this depends on the type of plan you have with United Healthcare. 

There are 3 different types of plans, each having a different set of specifics:

Bronze Copay 50: 

  • 50% coinsurance for inpatient network providers after your deductible has been met. (You will need to pay 50% out-of-pocket plus any deductible that may apply.) 
  • 50% coinsurance for outpatient network providers after your deductible has been met. (You will need to pay 50% out-of-pocket plus any deductible that may apply.) 
  • Non-network outpatient care providers are not covered
  • Non-network inpatient care providers must be pre-approved

Silver Copay 70: 

  • 30% coinsurance for inpatient network providers after your deductible has been met (you will need to pay 30% of the medical expenses plus any deductible you may owe and the insurance company will cover the remaining 70% of the healthcare cost)
  • $50 copay for outpatient network providers 
    • Deductibles don’t apply
  • Non-network outpatient care providers are not covered
  • Non-network inpatient care providers must be pre-approved

Silver Copay 80: 

  • 20% coinsurance for inpatient network providers after your deductible has been met (You will need to pay 20% of your healthcare expenses plus any deductible you may owe. The insurance company will cover the remaining 80%.) 
  • $50 copay for outpatient network providers 
    • Deductibles don’t apply
  • Non-network outpatient care providers are not covered
  • Non-network inpatient care providers must be pre-approved

Note: There are situations in which you may need to seek emergency medical attention for symptoms related to substance use disorders. These instances may life-threatening and urgent, and you not be able to get to an in-network provider. Should you end up using the services of an out-of-network provider in the case of an emergency, your United Healthcare plan may provide coverage.

United Healthcare Coverage for Addiction Detox

For many people, the first step toward recovery from substance abuse is medical detox. Those who suffer from addiction often struggle to gain their independence from alcohol or drugs. 

There are many different types of addiction. Individuals may find themselves depending on and addicted to:

  • Alcohol
  • Heroin
  • Cocaine
  • Inhalants
  • Opioid painkillers
  • Methamphetamine
  • Other prescription drugs
  • Benzodiazepines (Benzos)

Unfortunately, millions of people have fallen prey to substance use disorders and have abused these and other drugs. But, if you have found yourself struggling with an addiction problem, you can overcome this problem for good. 

It may, however, be necessary to end substance use in your life with the help of a medical detox program. Individuals who stop using drugs or alcohol after their bodies have grown dependent on these substances experience withdrawal symptoms. Sometimes, these symptoms can be very uncomfortable, even severe, depending on the type of drug the individual has been using. 

For example, symptoms of benzo withdrawal can be very intense. Individuals may experience episodes of panic, excessive sweating, irritability, headaches, difficulty concentrating, depression, anxiety, sleeping problems, and more.

Of course, withdrawal symptoms will vary depending on the kind of substance a person was using and how long the individual was using it. But, in most cases, this period is very uncomfortable. And, in many situations, the withdrawal phase can be dangerous without the help of clinical professionals.

This is where medical detox programs come in. And, if you have an insurance plan with United Healthcare, your plan may provide coverage for inpatient or outpatient detoxification. 

United Healthcare Coverage for Inpatient and Outpatient Treatment

United Healthcare offers coverage for both inpatient and outpatient programs. So, depending on your plan, you may be able to attend either type of program. Still, it’s important to speak with a professional in order to find out whether inpatient or outpatient treatment is better for you.

If you are planning to attend a treatment center to begin your journey to recovery, it’s likely that you have had to begin considering which kind of facility you want to attend. In many cases, people have to choose between inpatient and outpatient programs. These are the main two types of treatment programs for addiction and each one offers specific benefits and components.

Although both inpatient and outpatient programs enable individuals to have access to helpful counseling sessions (individual and group), the two have some major differences. One of the main ways in which these two programs are different is where patients live.

In an outpatient program, individuals may continue to live at home throughout the duration of their treatment. In an inpatient program, people live at their rehab facility while they receive treatment.

Treating Mental Health With United Healthcare Coverage

It’s not uncommon for people who are dealing with addiction to also suffer from a mental health disorder. In many cases, people struggle with a substance use disorder, such as alcoholism, as well as a mental or behavioral health problem, such as depression. 

When a person is dealing with the effects of both substance abuse and a mental health disorder, this is considered a dual diagnosis and the individual has what we call “co-occurring disorders”. 

Sometimes, addiction causes mental or behavioral health disorders. For example, a person who suffers from a heroin or alcohol addiction may begin to feel depressed because of the shame, isolation, and guilt that sometimes come as a result of addiction.

But, there are also situations in which a mental or behavioral health problem leads to the development of an addiction. For instance, an individual may be struggling to cope with the symptoms and effects of his or her trauma. As a result, the person may begin to use alcohol in order to escape from the pressures and challenges of trauma.

Some of the behavioral and mental health disorders that may occur along with addiction are:

  • Trauma
  • Anxiety
  • Depression
  • Schizophrenia
  • Eating Disorders
  • Bipolar Disorder
  • Obsessive-Compulsive Disorder (OCD)
  • Post-Traumatic Stress Disorder (PTSD)
  • Attention-Deficit Hyperactivity Disorder (ADHD)

United Healthcare offers behavioral health benefits which can be used to help cover treatment for mental health disorders.

Let the Team at Discovery Institute Help You!

At Discovery Institute, we are dedicated to helping our clients overcome substance abuse. But, we know that the financial aspect of treatment is often a major concern for those who are suffering from alcoholism or drug addiction problems. So, we work with our patients to find out the details about their insurance coverage options so that our clients can simply concentrate on becoming healthy, addiction-free individuals!

For more information about our services and how we can help, please contact us today by calling (844) 433-1101.

Article Reviewed by Dr. Jeffrey Berman, MD

Dr. Jeffrey Berman, MDDr. Jeffrey Berman is a psychiatrist in Teaneck, New Jersey and is affiliated with Robert Wood Johnson University Hospital. He received his medical degree from State University of New York Upstate Medical University and has been in practice for more than 20 years. He also speaks multiple languages, including French and Hebrew.

Insurance may cover up to 100% of your treatment

Discovery Institute works in partnership with most of the leading insurance providers in the country. Depending on your coverage, your stay with us may be covered by your policy’s benefits. Speak to one of our admissions coordinators today to receive a free assessment of benefits.

(844) 433-1101


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