UHC health insurance is provided by an American multinational managed insurance company based in Minnesota. The company offers health insurance plans under several product names with different services and coverage.
The commercial group insurance plans offered by UnitedHealthcare include UHC Select, UHC Select Plus, UHC Choice, and UHC Choice Plus. Most of the plans offered by UnitedHealthcare provide coverage for the treatment of substance use disorders (SUDs). UHC Navigate, Charter, and Compass are the most restrictive managed care plans as they require a primary care physician referral for consultation with a specialist.
UHC Select does not provide out-of-network coverage. UHC Choice and UHC Choice Plus, on the other hand, include coverage for out-of-network providers.
United Healthcare offers a wide range of policies with varying degrees of coverage for addiction treatment. The coverage amount and upfront costs differ from policy to policy. The location of the policyholder also has an impact on how much coverage they have.
The company has a dedicated division for people recovering from addiction, known as United Behavioral Health. The division provides confidential services for substance use disorder victims to speak with a counselor. UHC’s annual preventative care visits include screening and counseling in a confidential setting for victims of substance use disorder.
A PPO network policy covers treatment in a wide range of facilities, compared to other UHC plans. Some policies may require pre-certification depending on the services offered and whether the treatment takes place in a residential facility.
Policyholders covered under UHC Choice, UHC Choice Plus, or other advanced plans can also opt for an out-of-network rehab facility. Being able to opt for an out-of-network facility can give individuals more choice over where they go to treatment.
United Healthcare addiction rehab coverage includes rehab for alcoholism, dual diagnosis, and illicit drug and prescription drug addiction. Most UHC insurance plans cover treatment in both in-network and out-of-network facilities. The company also offers short-term medical plans that may provide treatment coverage for substance use disorder.
United Healthcare drug rehab may include detoxification, medication to control withdrawal symptoms, inpatient treatment, outpatient treatment, psychotherapy and behavioral counseling, and follow-up treatment.
Detox is often the first stop for someone who is using illicit drugs. Detox duration varies from patient to patient. This phase also involves other therapies to monitor and control withdrawal symptoms.
The next step of drug rehab involves behavioral therapy and counseling to address patients’ psychological and emotional needs. Different therapies are used to help patients recognize problems related to their drug abuse and the behaviors that trigger it. The most common treatment methods are cognitive-behavioral therapy, motivational interviewing, EEG biofeedback, and multidimensional family therapy.
There are several types of United Healthcare addiction treatment programs, including outpatient treatment, inpatient treatment, and partial hospitalization. Patients requiring the most intensive level of care are recommended to enter an in-patient or residential rehab program.
The length of United Healthcare addiction treatment varies depending on the severity of the patient’s condition and recovery rate. Outpatient programs are shorter than in-patient programs and last only a few weeks to three months. Inpatient programs can take about three to 12 months.
UHC policyholders can seek treatment for alcoholism in both in-network and out-of-network rehab centers. United Healthcare alcohol rehab includes both in-patient and out-patient programs. Inpatient treatment programs are recommended for individuals with severe alcohol use disorder as they require intensive care 24/7. Outpatient is recommended for people with mild to moderate alcohol use disorder, or who cannot attend inpatient.
Outpatient programs are designed for people who cannot neglect day-to-day or familial obligations. Patients seeking outpatient treatment for alcoholism must be highly motivated to reach sobriety. This treatment does not require patients to live in a rehab facility. Instead, patients live in their homes and engage in daily rehab programming.
As a part of a relapse prevention plan, many treatment centers require patients who have completed inpatient rehab to attend a few weeks of outpatient rehab. The first phase of United Healthcare alcohol rehab involves medically-assisted detoxification from alcohol.
The final phase of United Healthcare alcohol rehab focuses on the emotional and psychological recovery of the individual. Patients have to participate in one-to-one sessions with their counselor during this phase.
In these sessions, patients learn vital coping skills and identify triggers of alcohol abuse. The sessions are also meant to explore underlying programs that may have caused the individual to resort to alcohol abuse. In the final days of rehab, family therapy sessions help the patient identify and address conflicts within the family to return to an emotionally secure environment.
United Healthcare for Co-occurring Disorder Treatment
According to SAMHSA’s 2018 National Survey on Drug Use and Health, more than 9 million adults in the United States are diagnosed with a co-occurring disorder yearly. The chances of developing a co-occurring disorder are the highest among people who already have a mental illness.
UHC insurance also covers treatment for co-occurring disorders. Individuals with a dual diagnosis can seek various treatments, including partial treatment, sequential treatment, and parallel treatment.
Relapse is a common occurrence in the treatment of substance use disorders and should not de-motivate individuals in recovery. The National Institute on Drug Abuse reports that about 40 to 60% of people relapse within a month of completing an inpatient drug or alcohol treatment and up to 85% of people relapse within the first year. These figures are not characteristic of every individual who has completed rehab.
UHC will pay for rehab as many times as deemed medically necessary. However, not all UHC insurance plans provide coverage for substance use disorder treatment. If addiction treatment is covered under your UHC plan, you can go to rehab again after relapse as long as you have paid your annual deductible.
The rehabilitative services covered under UHC insurance and the coverage amount vary from policy to policy. All UHC plans offer some form of drug and alcohol rehab coverage.
f you are seeking United healthcare addiction treatment in Scottsdale, you can have Cornerstone verify your insurance to determine what’s covered under your UHC plan.