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Navigating Your United Healthcare Drug Rehab Policy
Understanding any insurance policy can be overwhelming, especially when your trying to decide if drug or alcohol treatment is covered. Luckily, we have a number of trained staff members ready to help you. All you have to do is call and our addiction specialists can personally check your policy and let you know what is and is not paid for by your United policy.
If you have United Healthcare insurance and are looking for drug or alcohol rehabilitation, Addiction Treatment Services is ready to help you find a program that meets your treatment needs and works with your policy.
Addiction Treatment Services has worked with several dozen drug and alcohol treatment facilities across the country that accept UnitedHealthcare insurance coverage for inpatient treatment. UnitedHealthcare is one of the larger insurance companies, and many of its coverage plans help customers who are seeking alcohol and drug addiction recovery through a rehab center.
We Help You Understand Your United Healthcare Rehab Drug Treatment Benefits
Many people calling us for help are unaware of what their substance abuse and mental health benefits are, as well as how they are very different from the general health benefits of their policy. In fact, some are not sure as to whether they have an HMO or a PPO, which makes a big difference in what is covered.
Another important aspect to understand with UnitedHealthcare is that some of the policies carry an MNRP portion for drug and alcohol rehab coverage. What this stands for is Maximum Non-Network Reimbursement Program, which is a Medicare-based reimbursement program. It is essential to know that if this is on your policy, your drug and alcohol rehab coverage will be reduced to Medicare rates. This will greatly reduce your ability to receive coverage, as compared to a non-MNRP policy.
Whether you are purchasing UnitedHealthcare insurance individually or you’re receiving it through an employer, you need to understand that your substance abuse and mental health benefits are very different than your general health plan. You may be covered, but your coverage may be weak.
Therefore, we try to tell anyone we speak with that if you or a loved one on your policy has addiction issues, it is supremely important to make sure that, if you have UnitedHealthcare, your policy is a PPO and that it does not have the MNRP in it.
When you enlist Addiction Treatment Services to help you find a treatment program, here are the first steps we’ll take:
- We’ll thoroughly review your UnitedHealthcare insurance plan.
- We will determine if you have a MNRP policy.
- We’ll help determine if you are covered for drug and alcohol abuse treatment.
- We’ll figure out what kind of treatment programs you’re covered for and how much.
- We’ll offer you a list of all of the treatment centers that accept your insurance plan.
- We will make a professional referral to the treatment center of your choice.
On any given day, the same two policies can have identical claims submitted by the same alcohol and drug rehab programs accept insurance based on historical events. Just like any other carrier, nobody can give confirmation on the approval or denial of benefits. Too often, people assume that because their insurance says a certain percentage of coverage, they feel that’s what’s covered plus their co-pay.
Other Benefits of Using Health Insurance for Rehab Recovery
On UnitedHealthcare’s website, customers can view claims, find a nearby in-network physician, print ID cards, estimate the cost of a procedure, and more. The site even offers customers a wealth of healthy living resources at their fingertips, including healthy recipes, fitness and nutrition tips, and advice on taking control of your own care. UHC also offers two free phone apps (including one for students) to “manage your health care easier.”
Many policyholders overlook the full benefits of their insurance coverage as well as the online and mobile app resources available to them. At Addiction Treatment Services, we encourage all clients to make full use of the insurance plans they shell out so much money for each month. It doesn’t matter if you’ve already finished rehab or you haven’t entered yet. You could be enjoying the benefits of your insurance plan all year ‘round.
United Healthcare (UHC) is Ranked #1
UnitedHealthcare has been ranked No. 1 in its sector on the “World’s Most Admired Companies” list for five years in a row. The Minnesota-based insurer is coming up on its 40th year in business, and it now employs more than 200,000 people. Also, the insurance giant now serves roughly 70 million individuals.
To pair your UnitedHealthcare insurance with an alcohol or drug rehab center in a prime destination that meets your treatment needs, get started with Addiction Treatment Services soon. We’ll help you find the most desirable rehab treatment facility, taking your insurance into account, and we’ll make a professional referral to the facility to get you on your way. Just call us today to learn how!