Using United Healthcare for Detox & Rehab
United Healthcare is a private insurer that serves 27 million Americans and an additional 7.4 million people around the world. The company focuses on the quality of care while keeping costs low and simplifying the experience of receiving medical treatment.1
The company offers a variety of coverage types, including student health insurance plans, individual and family coverage, and group coverage provided through employers.2
How does United Healthcare rehab coverage work? This page will describe the types of insurance plans available and help you discover rehabs that accept United Healthcare. This will make it easier for you to access the detox treatment that you need as you move toward a sober life.
Types of United Healthcare Plans
What services United Healthcare covers depends on what type of insurance plan you have. Before seeking treatment, it’s wise to connect with you insurance company to determine what services are covered. United Healthcare offers a variety of types of health insurance plans.3 TriTerm medical insurance covers preventative care, doctor visits, and pharmacy needs. This short-term coverage lasts almost three years but provides limited benefits. You can also purchase health insurance through the insurance marketplace. These plans meet the requirements of the Affordable Care Act that went into effect in 2010.
Wondering how to choose an insurance plan?4 Think about whether you want to get referrals from a primary care provider or have the opportunity to visit specialists on your own. Also, make sure the plan you choose has the network of providers that you want—sometimes out-of-network care isn’t covered, and other times it has a much higher cost. You’ll want to balance the coverage benefits you need with the monthly cost and how much you’ll pay in copayments and deductibles. Generally, a lower monthly price means more out-of-pocket expenses when you need care.
United Healthcare & Medicare
United Healthcare also offers Medicare plans.5 You can get a Medicare Advantage plan so you have coverage beyond what original Medicare offers. There is also a dual special needs plan if you qualify for both Medicare and Medicaid.
Those with limited resources may qualify for Medicaid.6 This coverage helps you get medical care at a lower or no cost to you. The specific benefits you receive and how much it costs will vary depending on which state you live in. Make sure to explore your state’s particular Medicaid program when looking for a detox or rehab program.
How to Check Your United Healthcare Benefits
There are several ways you can check your United Healthcare benefits. A good first step would be to log into the United Healthcare member website to learn more about United Healthcare rehab insurance.7 You can also learn about any online therapy covered or check other specifics about United Healthcare drug rehab coverage.
You can also check the provider network to find United Healthcare alcohol rehab centers or drug programs.8 Click on the “Behavioral Health Directory” to access the United Healthcare rehab provider network and learn more about United Healthcare therapy coverage.
Do United Healthcare Plans Cover Detox & Rehab?
United Healthcare offers some limited benefits and short-term plans that may not cover detox and rehab. However, all full-coverage plans are required to provide mental health and substance abuse coverage as an essential benefit.8
As a result, most United Healthcare plans offer detox and drug rehab coverage. The details about which programs are covered and how much of the cost you’re responsible for will vary depending on your specific plan. If you’re not sure how United Healthcare insurance works in your particular situation, contact the insurer and ask.
United Healthcare can verify coverage for you over the phone and help you find rehab providers that are part of your plan. You can also check with rehabs to see if they accept United Healthcare coverage, but keep in mind the insurer makes the final decision.
Most treatment plans will start with detox, where you rid your body of the drugs you’ve been using. Detox can be a very difficult process, and it might require medical assistance. Once you’re clean, you can go into the rehab program to learn how to live sober long-term and reclaim your life and dreams.
- UnitedHealth Group. (2020). About UnitedHealthcare.
- United HealthCare Student Resources. (2020). About us.
- United HealthCare. (2020). Health insurance for individuals & families.
- United HealthCare. (2020). How to choose a health insurance plan.
- United HealthCare. (2020). Medicare insurance plans.
- United HealthCare. (2020). What is Medicaid?
- United HealthCare. (2020). Member login.
- Healthcare.gov. Mental health & substance abuse coverage.