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Behavioral Health Centers Accepts United Healthcare Insurance Coverage for Addiction Treatment

UnitedHealthcare offers group health insurance, Medicare coverage, Medicaid coverage and supplemental insurance plans to subscribers throughout the United States. Many addiction treatment centers accept these plans, including Behavioral Health Centers, a state-of-the-art drug and alcohol rehab facility in Florida. If you have UnitedHealthcare insurance, your plan may cover some of the costs of addiction treatment.

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

An Overview of UnitedHealthcare Insurance Benefits

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.

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Out-of-Pocket Costs for Insurance Coverage

An insurance premium is the amount of money you pay each month to keep your insurance coverage active. You have to pay the premium even if you don’t use your insurance benefits. When you have coverage through UnitedHealthcare, you may also have additional out-of-pocket costs for some services. It’s important to know what these costs are so you can plan accordingly.

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Co-Pay

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.

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Coinsurance

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%.

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Deductible

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.

Verify Your Benefits

What is your addiction really costing you? Getting clean is within your reach. Behavioral Health Centers (BHC) is here to help.

Your insurance may cover all or some of your rehab at a BHC facility.

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.

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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.

Seek Addiction Treatment Today

It's normal to be concerned about the cost of treating addiction, but the costs of not treating it are likely to be much higher. Behavioral Health Centers offer substance abuse treatment tailored to your needs, giving you a chance to get your life back. Contact us now to learn more about our substance abuse programs and request a free insurance benefits check.

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