Insurance Provider Information
About United Healthcare Services Inc.
United Healthcare Services Inc. is an insurance provider that offers coverage for a wide range of physical health and mental care medical services. The insurance company started operations in 1974. Today, it provides health insurance coverage for inpatient and outpatient mental health services to over 26 million Americans.
The company offers individual and family plans to students and self-employed people. You can also get medical services through your employer, whether you work in the public or private sector.
How UnitedHealthcare Coverage Can Help You
UnitedHealthcare plans cover a wide range of services to help plan members stay as healthy as possible. For a UnitedHealthcare plan to cover it, the service must be classified as “medically necessary.” This means a licensed physician or other medical professional has determined the service is needed to prevent, diagnose or treat an illness or injury. Medically necessary services may be delivered on an inpatient or outpatient basis.
Inpatient services are provided in a hospital or skilled nursing facility. If you’re admitted to a hospital, UnitedHealthcare typically covers the cost of room and board, nursing care, surgical procedures and medications administered during your stay. UnitedHealthcare plans also cover a wide range of outpatient services, including doctor visits, lab tests and X-rays. Your plan may also cover prescription medications and durable medical equipment. The amount of coverage available depends on the terms of your UnitedHealthcare policy
A co-pay is a fixed amount of money you pay each time you receive a specific service. Co-pays usually apply to prescriptions and doctor visits, although your insurance company may also set a co-pay for visits to an emergency room or urgent care clinic.
Coinsurance is a percentage of the costs incurred for a service. The amount of coinsurance required depends on the terms of your insurance plan. Some plans have 50/50 cost sharing, which means you’d pay 50% of the cost and your insurance provider would pay 50% of the cost. Other plans have 90/10 splits, which means you’d only have to pay 10% of the cost after your insurance paid the other 90%.
The annual deductible is the amount of money you must pay for covered health services each year before your insurance starts to cover any costs. The lower the deductible, the higher the monthly premium tends to be.
You also need to be aware of your annual out-of-pocket maximum. This is the maximum amount of money you have to pay for covered services each year, including co-pays, coinsurance and deductibles. Once you meet the out-of-pocket maximum, your insurance provider covers 100% of the cost of each covered service. Some costs don’t count toward the limit, however, including your monthly premiums, the amount you pay for out-of-network care and the amount you pay for services that aren’t covered by your plan.
UnitedHealthcare Coverage for Substance Abuse Treatment
Insurance companies didn’t always cover addiction treatment and other mental health services. Even when they did, there were many restrictions on what type of care was covered and where it could be delivered. Two important laws changed that: The Mental Health Parity and Addiction Equity Act (2008) and The Patient Protection and Affordable Care Act (2010). The Mental Health Parity and Addiction Equity Act requires insurance providers to treat mental health services the same as medical and surgical services. This means an insurance company can’t impose restrictions on mental health services if medical and surgical services aren’t subjected to the same restrictions.
The Patient Protection and Affordable Care Act, often referred to as Obamacare or the ACA, identifies 10 essential health benefits that must be covered by traditional health insurance policies. Under this law, mental health and addiction treatment are considered essential health benefits, which means an insurance carrier offering traditional health insurance coverage must cover at least part of the cost of these services.
An insurance company isn’t required to cover 100% of the cost of mental health care and addiction-related services, but having insurance coverage can greatly reduce your out-of-pocket costs. Your UnitedHealthcare insurance may cover the following services:
- Medication management for drug addiction
- Outpatient treatment for alcohol addiction
- Behavioral therapies (e.g. CBT, DBT)
- Supervised medical detox
- Admission to a residential rehab center
The amount of coverage available depends on which UnitedHealthcare plan you have. Some plans have low deductibles and coinsurance requirements, while others have high deductibles and require you to pay a higher percentage of your treatment costs.
Mental Health Disorders Covered by United Healthcare
Below are some treatments United Healthcare Services covers that we also offer at Behavioral Health Centers.
Substance Use Disorders
Substance use disorder, or drug addiction, is a condition that affects your ability to control how you use legal or illicit drugs. Around 20 million Americans deal with substance abuse disorder. The substances most commonly misused or abused include:
At Behavioral Health Centers, we employ tried-and-tested treatment procedures for substance abuse disorders. Our treatment services include detox and residential or inpatient drug treatment.
United Healthcare covers treatment costs for many substance use disorders. Depending on your plan, you may qualify for full inpatient and outpatient mental health services.
Dual diagnosis occurs when you have a mental illness and a substance use problem. The mental illnesses commonly associated with substance use disorders include:
- Anxiety disorders
- Bipolar disorder
- Post-traumatic stress disorder
- Personality disorders
United Healthcare insurance covers the treatment of these and more mental health disorders.
UnitedHealthcare Mental Health Benefits
We live in a world that frequently tests our mental health. You can easily develop mental and behavioral health disorders if you don’t have the right coping strategies. Fortunately, you can get the best mental health treatment at Behavioral Health Centers through your United Healthcare mental health coverage plan.
Behavioral Health Centers is one of the in-network providers for United Healthcare mental health coverage plans. Our facilities in Port St. Lucie, Florida, provide a great environment for you to undergo mental health treatment if you have a United Healthcare mental health coverage plan. Our in-house experts can easily help you figure out which treatments your United Healthcare insurance covers.
Let’s take a closer look at the mental health benefits you can expect from United Healthcare coverage.
Which United Healthcare Plans Provide Mental Health Benefits?
Most United Healthcare’s physical health plans include coverage for mental health treatment costs. However, the treatments you qualify for may vary based on your insurance plan.
You can get treatment for behavioral health disorders at Behavioral Health Centers if you’re on one of United Healthcare’s individual and family plans, such as:
- Student insurance
- Short-term insurance
- TriTerm medical insurance
- Self-employed insurance
- ACA plans
Mental Health Therapies Under United Healthcare Coverage
Getting help for your mental health issues is the first step toward achieving a healthy life. After that comes the long journey toward healing and wellness.
You must get mental health care from experts who can fully support you through the journey. Behavioral Health Centers offers certified mental health professionals with a lot of expertise in helping patients like you.
Depending on your mental and behavioral health issues, you may need one or more forms of therapy to address your behavioral health issues successfully. United Healthcare covers the therapy cost for various treatments we offer at our facilities.
Cognitive Behavioral Therapy
Cognitive behavioral therapy, or CBT, seeks to address behavioral health issues. The therapy is based on the belief that how you think determines how you feel and interact with the world. Changing negative thought patterns is key to this form of therapy.
If you undergo CBT, you’ll have therapy sessions with a psychologist who’ll listen and guide you until you get to the bottom of why you think and behave the way you do. The therapist will also help you change your thought patterns and build better coping skills for dealing with the world.
Dialectical Behavior Therapy
Dialectical behavior therapy (DBT) is another intervention that helps you build better thought patterns to create a more positive lifestyle. This therapy is designed for people who experience intense emotions that affect how they treat themselves and others.
A DBT therapy session involves a lot of conversation whereby the therapist helps you face feelings like anger, self-pity or self-hate. The therapist will help you acknowledge these feelings, identify how they affect your life and learn how to channel them into less harmful behaviors.
Many people with behavioral health disorders, whether due to mental illness or substance use, need one-on-one therapy sessions with a psychologist.
United Healthcare’s behavioral health coverage can cover therapy costs for individual therapy so you can pursue the journey to well-being in a receptive, judgment-free zone.
Some forms of therapy, like DBT or the 12-step program, require you to undertake therapy sessions with people going through the same thing as you. United Healthcare insurance covers treatment costs for group sessions for both inpatient and outpatient mental health services.
Substance use and mental health disorders don’t affect just one person. Family therapy sessions may be necessary to uncover the causes of your behavioral health conditions.
United Healthcare insurance can pay for the therapy cost of family sessions so you can fully address your mental health issues and build a stronger support system that you can rely on once you finish inpatient therapy.
If you or someone you love is looking for a rehab that takes United Healthcare insurance, contact us today at 772-774-3872 to have our team run a confidential, no-cost verification of your benefits, or click here to complete our insurance form so you can get help today.
UnitedHealthcare offers group health insurance, Medicare coverage, Medicaid coverage, and supplemental insurance plans to subscribers throughout the United States. Behavioral Health Centers is a Florida-based rehab that accepts United Healthcare insurance where we offer addiction and mental health treatment programs.
Seek Addiction Treatment Today
Knowing everything about the mental health benefits that come with your United Healthcare insurance is crucial so you can receive the right mental health care.
Some plans from the insurance company allow you to get behavioral health services without prior authorization from your primary care physician. Others cover virtual visits and online therapy through a phone or mobile app.
If you want to know which services and therapies you’re entitled to at Behavioral Health Centers, call us at 772-774-3872. You can also visit our facility at 208 SW Port St. Lucie Boulevard, Port St. Lucie, Florida.
Our insurance specialists are always on hand to answer your questions and ensure you get the best out of your United Healthcare mental health coverage.
Get Help Today
Don’t let the cost of substance abuse treatment deter you from getting the help you need. Behavioral Health Centers is a treatment facility that is committed to taking every step necessary to ensure your treatment is accessible and affordable. If you or someone you love is struggling with an addiction to alcohol or drugs, reach out today and take the first step in your recovery journey.