Modified: 1st Aug 2019

Does Your Policy Cover Rehab?

Understanding any insurance policy can be overwhelming, especially when you’re trying to find out if you have coverage for addiction treatment. Luckily, our trained specialists can examine your policy and give you the details of your UnitedHealthcare insurance plan.

If you have UnitedHealthcare insurance and are looking for a drug or alcohol rehab program, Northbound Addiction Treatment Services is ready to help. Together, we can find a program that meets your needs and accepts your insurance.

UnitedHealthcare is one of the largest insurance companies in the United States. Therefore, it comes as no surprise that many of its plans cover addiction treatment. In fact, Northbound Addiction Treatment Services has worked with hundreds of rehab facilities across the country that accept UnitedHealthcare insurance.

Questions About Insurance?

Navigating your insurance plan to determine what type of substance abuse coverage you qualify for can be overwhelming. Our insurance specialists are available 24 hours a day to assist you.

(855) 713-7262

Understanding Your UnitedHealthcare Rehab Benefits

When it comes to understanding your coverage for rehab services, the most important thing to look for in your plan is an MNRP. A Maximum Non-Network Reimbursement Program (MNRP) is a Medicare-based reimbursement program. To clarify, having an MNRP insurance policy can make a big difference in what you pay out-of-pocket for certain services, like rehab.

[We reimburse] non-network expenses according to Medicare’s cost-based payment methodology. [As such], reimbursement for non-emergency treatment is a percentage of the published rates allowed by Medicare for the same or similar services.

—UnitedHealthcare

While not all UnitedHealthcare plans include an MNRP, it is essential to know if it is part of your policy. If it isn’t, you may have better coverage for rehab services.

Substance Abuse and Mental Health Benefits vs. General Health Benefits

Not everyone knows the full details of their insurance policy. In fact, some people aren’t even sure whether they have an HMO or a PPO insurance plan. Still, it’s important to remember that substance abuse and mental health benefits are very different from general health benefits.

Having amazing general health benefits does not mean that you also have amazing substance abuse and mental health benefits. In other words, one set of benefits may offer more coverage for related services than the other. Moreover, even if your policy offers coverage for rehab, it may be weak.

So, whether you have UnitedHealthcare insurance as an individual or through your employer, you should familiarize yourself with both of these sets of benefits.

It’s also important to note that, ultimately, those with PPO UnitedHealthcare insurance policies— ones that do not include an MNRP— may have the best possible coverage for drug and alcohol rehab services.

In-Network and Out-of-Network Facilities

Most people assume that they have to get treatment from an in-network addiction treatment center. The truth of the matter is that rehab facilities do not necessarily have to be in-network. But, individuals should definitely check with the UnitedHealthcare insurance company to get accurate information about out-of-network coverage. You can also find out more about the costs you may be responsible for as using out-of-network services may result in more out-of-pocket expenses for you. It’s highly possible that using an in-network treatment facility may prove to be a more affordable option.

Coverage for Addiction Detox and Treatment

Before you begin the addiction treatment process, it may be necessary to go through a detox program. A professional detox program can help you to end substance use safely and comfortably. 

Depending on the type of insurance plan you have with UnitedHealthcare, you will likely receive at least partial coverage for inpatient or outpatient detox. 

After people go through detox, they may choose to enroll in an inpatient or outpatient addiction treatment program. UnitedHealthcare offers coverage for both outpatient and residential substance abuse programs. But it depends on the type of plan an individual has.

For instance, if a client has a Short Term Medical Value plan, he or she may not receive coverage for addiction treatment. Other plans, however, may provide coverage. The Short Term Medical Value Plus plan, for example, offers coverage for drug and alcohol abuse treatment; it may, however, require a 20-30% deductible which must be paid for by the client.

Similarly, UnitedHealthcare’s coverage for outpatient treatment varies depending on the type of plan an individual has. Also, 20-30% coinsurance may be required.

It can be challenging to figure out exactly what your insurance covers and what you will need to pay. That’s why we’re here to help you. For information about your policy, coverage details, and treatment centers that may be able to help you, just contact us here at Northbound Addiction Treatment Services today!

Our Process for Finding the Right Rehab Program for You

When you enlist Northbound Addiction Treatment Services to help you find the best possible rehab program for you, you can expect:

  • a thorough review of your UnitedHealthcare insurance plan
  • to know for sure whether or not you have an MNRP policy
  • help to determine whether or not you have coverage for an addiction treatment program
  • to find out what kind of treatment programs you have coverage for, and how much they will cost out-of-pocket
  • a list of all of the treatment centers that accept your insurance plan and offer the best services to fit your individual needs
  • a professional referral from us to the treatment center of your choice

Are You Ready to Get Help?

Our treatment specialists are available 24/7 to help you or your loved one find a treatment program that suits your needs. It only takes one call to start your new life in recovery!

(855) 713-7262

Other Benefits of UnitedHealthcare Insurance

Too many policyholders overlook the full benefits of their insurance coverage. At Northbound Addiction Treatment Services, we encourage all of our clients to get the most out of their insurance plans.

The UnitedHealthcare website offers a wealth of resources. Customers can view claims, find a nearby in-network physician, print ID cards, estimate the cost of a procedure, and more. Healthy living resources include but are not limited to healthy recipes, fitness and nutrition tips, and advice on personal care.

UnitedHealthcare even offers two free phone apps to make on-the-go health care management easy.

Mental Health Coverage

UnitedHealthcare offers Behavioral Health benefits, which include coverage for addiction treatment as well as mental health care. Policyholders can receive counseling, which can help them to deal with mental and behavioral health problems, including but not limited to:

  • Anxiety
  • Stress
  • Depression
  • Eating disorders

In many cases, people who have substance use disorders also suffer from mental illness. This is called a dual diagnosis. Those who are living with co-occurring disorders can get the support and guidance they need through a professional treatment program. UnitedHealthcare plan holders can access this assistance through their Behavioral Health benefit. Keep in mind, however, that the insurance company may require a copay and/or pre-authorization.

UnitedHealthcare is No. 1 For a Reason

For five consecutive years, UnitedHealthcare has been ranked No. 1 in its sector on the “World’s Most Admired Companies” list. The company employs over 200,000 people and serves roughly 70 million people.

If you are looking for a rehab center that accepts your UnitedHealthcare plan and meets your treatment needs, please contact us. We will help you find and enroll in the best possible rehab program for you.

Article Reviewed by Dr. Keerthy Sunder, MD, DFAPA

Dr. Keerthy Sunder, MD, DFAPADr. Keerthy Sunder, MD is an accomplished and internationally recognized expert in the field of addiction. He has earned diplomates from the American Board of Psychiatry and Neurology, the American Board of Addiction Medicine, and the Royal College of Obstetricians and Gynecologists.