United Health works with employers and organizations to help employees stay healthy. The paid provider organization (PPO) works with brokers and consultants to develop innovative programs and lower medical costs.
Many United Health plans are accepted at drug rehabilitation programs, including those of JourneyPure. However, acceptability of insurance varies according to the individual, the plan, and the particular treatment center. Your plan may cover only a portion of your rehabilitation stay, so it’s important to check your insurance plan prior to enrolling in a drug rehab program.
United Health’s Coverage for Addiction Treatment
United Health is unusual when it comes to addiction treatment coverage. To ensure those recovering from drug and alcohol addiction receive the most efficient treatment, the company maintains a separate division, known as United Behavioral Health. United Behavioral Health provides confidential services for individuals to speak with substance abuse healthcare professionals.
Drug and alcohol addiction services included in United Behavioral Health’s policies often consist of:
- Inpatient hospital detox
- Outpatient detox
- Inpatient drug and alcohol rehab
- Outpatient drug and alcohol rehab
Typically, a PPO network plan offers a range of substance abuse treatment facilities. Some policies may also have pre-certification requirements, depending on which services are provided and whether the program is inpatient or outpatient, like JourneyPure Louisville.
Treatment centers do not always need to be in-network. However, it’s a good idea to check with a United Healthcare representative to determine one’s out-of-network coverage and their out-of-pocket costs. Some plans require a steeper copay in order to see a provider that is not in-network. Other plans may not cover out-of-network services altogether, leaving you 100 percent responsible for the cost.
With a few exceptions, usually on low premium plans, United Health policy holders are covered for substance abuse treatment programs.
Inpatient Addiction Treatment versus Outpatient
Depending on how serious the addiction is, the patient will need to decide whether an inpatient or outpatient treatment center is right for him or her.
Inpatient treatment features residential accommodations, where patients live for 30, 60, or 90-day stints to focus on beating their addiction and any co-occurring mental health disorders. It is recommended for those with serious addictions or long-term mental health issues.
An outpatient facility only requires the patient to participate for a number of hours and allows them to leave. Outpatient treatment, like what can be found at JourneyPure Louisville, is suited for people with less serious, short-term addictions.
Verifying Coverage and Finding the Best, Most Appropriate Treatment
Studying up on insurance options can be overwhelming, especially if you or someone you know is suffering with addiction. Of course, knowledgeable advisors are available with United Health. They can verify your insurance coverage and find the best treatment for you. Simply call your insurance provider and ask an informed representative about the details of your individual plan.