If you have a substance abuse problem, it’s critical that you get professional help by going to rehab. But that’s not always as straightforward as it seems, since the cost of rehab can be quite high.
Thankfully, most quality insurance providers like United Health Care will help you pay for at least a portion of your substance abuse treatment. Keep reading to learn more about what your United Health Care plan could cover.
What is United Health Care?
United Health Care is an insurance company that offers a wide variety of plan options to people and companies located in the United States. The insurance leader was launched in 1977 and has grown to serve more than 26.5 million Americans today.
Does United Health Care cover rehab?
Many of United Health Care’s plans include coverage for substance abuse recovery support like rehab. In fact, if you plan with United Health Care, you could get coverage for each of the following types of care:
- Inpatient rehab
- Intensive outpatient programs
- Partial hospitalization programs
- Medical detox
- And potentially other treatments as well
How much of my treatment costs will United Health Care cover?
Unfortunately, it’s impossible to give you a specific answer to this question without knowing the specifics of your insurance plan.
If you have a comprehensive plan with United Health Care, then you may have barely any out-of-pocket costs for your substance abuse recovery program. Or, if you only have a basic plan with UHC, then it’s possible that you would have to pay a considerable amount of your rehab charges out-of-pocket.
That being said, the average deductible with United Health Care is about 20-30%. After that, insurance kicks in to cover the rest of the charges.
Just keep in mind, that your plan may have something called a term maximum attached to it. This is the maximum amount that UHC will play for whatever treatment you’re receiving. For example, if your term maximum was $3,000, you would be responsible for paying anything above this amount.
Do treatment centers need to be in-network for United Health Care?
Though this answer can also vary a bit based on the exact nature of your UHC plan, the answer is typically no. You’re often able to go out-of-network to get the substance abuse recovery support that you want if your plan is with United Health Care.
Just know that you may need to pay more if you want to go out of network with your rehab plan. For example, UHC may bump up your premium from 15% to 20% if you want to go out of network. But this also varies based on your plan.
How do I get more specific information about what my United Health Care plan will cover?
There are a few different ways to learn more about your rehab coverage from a United Health Care plan.
One option is to reach out to United Health Care directly. They can give you high-level information about your plan so that you can get a general sense of what to expect when you start reaching out to rehab centers.
But it’s often easier to reach out to a rehab center that you like directly. The rehab center will call UHC and verify your coverage at that specific treatment facility for you. That way, you know exactly how much you’ll have to pay out-of-pocket.
If that sounds good to you, consider contacting The House of the Rising Son today. Our addiction specialists are standing by to answer your insurance questions and can perform a verification of your UHC plan to take care of this for you.
Get in touch with us today to learn more.
