Paying for rehab can often be a barrier to addiction treatment, but UnitedHealthcare rehab coverage can help cover some of the cost. Get admitted today.

Getting addiction treatment can be life-saving, but people often worry about how they’ll pay for it. Most major insurance companies, including UnitedHealthcare/Optum, cover some addiction treatment costs. Recovery Advocates at Orlando Recovery Center can help verify your insurance coverage and explore other payment options.

UnitedHealthcare/Optum Provider Overview

UnitedHealthcare Group is a parent company to UnitedHealthcare and Optum. This national company provides healthcare coverage to individuals, families and those with Medicare and Medicaid. The company partners with over 6,500 hospitals and care centers nationwide and over 1.3 million physicians and healthcare professionals.

UHC/Optum Plans and Coverage Levels

Different plans and coverage levels are available from the UHC/Optum company, and specific details are usually based on your state. In general, there are three coverage levels available, which include:

• UnitedHealthcare Choice: This level includes in-network coverage with more than 895,000 providers nationwide, but there’s no coverage if you see an out-of-network provider.
• UnitedHealthcare Choice Plus: These programs include reduced out-of-pocket costs if you receive in-network care, but there is still some coverage if you go to a provider that’s not in-network.
• The UnitedHealthcare Options PPO: These plans limit the out-of-pocket costs a member has to pay as long as they’re using someone who’s part of the preferred provider network.

Optum Care is available in certain states, allowing members to get primary care through a network of approved healthcare providers and specialists. In states where Optum Care is available, the differences in coverage can be significant. For example, in Nevada, Optum Care works with recipients of Medicare Advantage, while in Massachusetts, Optum Care provides coverage if you see someone who’s part of the Reliant Health network.

Does UHC/Optum Insurance Cover Drug and Alcohol Rehab?

Does UnitedHealthcare cover drug rehab? The simple answer is yes because, under the Affordable Care Act, insurance companies must provide coverage for addiction treatment. The specifics, including whether you can get treatment out-of-network and how much overall coverage you have for rehab, will depend on your state and particular plan. Parity laws require that insurance coverage for drug and alcohol rehab must be equal to what’s provided for physical healthcare.

The out-of-pocket costs for rehab will depend on factors that include your plan with UnitedHealthcare, your treatment center and whether it’s in-network, the level of care you receive and how long your treatment lasts. You will probably have to meet your annual deductible before your insurance starts.

Does UHC/Optum Cover Mental Health Services?

The rules about coverage for drug and alcohol rehab are similar to those for mental health services. If you have UHC/Optum insurance, mental health services will likely be covered. This can include inpatient and outpatient mental health care and particular types of therapy, such as eye movement desensitization and reprocessing (EMDR) therapy, which helps promote healing from trauma or life experiences that cause distress.

UHC/Optum and Medication-Assisted Treatment (MAT)

Medication-assisted treatment can be an important part of an addiction treatment program. MAT relies on using FDA-approved medications to help someone struggling with opioid or alcohol use disorders. These medications aren’t an addiction treatment alone, but they help reduce cravings and withdrawal symptoms so someone can complete a comprehensive rehab program. UHC/Optum usually covers medication-assisted treatment under pharmacy benefits.

UHC/Optum Treatment Duration

When someone receives addiction treatment, they might do so on an inpatient or outpatient basis. It’s fairly common for someone to follow a continuum of care, meaning they participate in multiple types of treatment that can last different lengths. They might start with the most intensive treatment level, usually a medical detox. Then, after an inpatient stay that’s usually 30, 60 or 90 days, they can begin lower-intensity treatments on an outpatient basis. The goal is to make sure that someone is fully prepared for accountability and flexibility before having them step down in their treatment.

With that in mind, you might wonder about the length of treatment UHC/Optum will cover. It depends on the facility where you’re going for treatment, your mental and physical needs and the medical necessity of your treatment. After you meet your out-of-pocket requirements, your insurance may cover your full length of treatment. Our Recovery Advocates can work with your insurer on your behalf to determine the benefits and length of treatment covered under your plan.

Florida Rehab That Accepts UnitedHealthcare/Optum

Orlando Recovery Center partners with UnitedHealthcare/Optum to deliver high-quality, covered care. If you’d like to learn about our treatment programs, which are available inpatient and outpatient, or you want to verify insurance coverage, please contact our Recovery Advocates today. You can also contact your insurer directly for coverage verification.

Your most important investment is recovery, so contact us to take the next step.