UnitedHealth Group plans cover drug rehab to some degree. The specifics of coverage depend on the particular plan.
UnitedHealth Group, Inc. is one of the top 10 companies in the United States as ranked by Fortune. It is a for-profit managed care company that offers health care products, health care services, and insurance services.
The total revenue generated by UnitedHealth Group was over $225 billion worldwide in 2018, making it the largest health care company globally.
Under the conditions of the Affordable Care Act (ACA), insurance providers are required to provide the same level and quality of services for the treatment of mental health issues, including substance use disorder treatment, as they provide for other medical conditions. This means that UnitedHealth Group will cover drug rehab to some degree.
The full spectrum of services covered by the different plans is variable, but UnitedHealth Group offers:
The amount of coverage for drug rehab will vary according to the specific plan. There will likely be limits on the overall dollar amount of coverage, the number of days of treatment, or the number of sessions in a calendar year.
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UnitedHealth Group offers commercial group health insurance plans under different product names with various offerings. Some of the major designations of their services include:
Some of these different programs may require a referral from a physician to get coverage to see an out-of-network specialist.
Depending on the individual policy, some of the restrictions may not apply to emergency services. These services are covered even for out-of-network providers.
Per the specifications of the ACA, UnitedHealth Group offers four levels of insurance coverage. These plans are organized to provide affordable monthly premiums to individuals and still allow them to get the type of coverage they need.
Covered services include medical services, laboratory services, hospitalization, and the cost of some prescription drugs.
When services are not specifically covered by their policy, clients are expected to pay for all associated expenses.
UnitedHealth Group offers custom short-term plans for people who have gaps in their health care coverage. These services typically cover outpatient services, laboratory services, emergency room and hospital services, and dental services, in some cases.
Short-term health care coverage ranges from 30 days to three months. In some states, clients may choose coverage that can last up to 364 days. The client can visit any doctor or specialist in the network of services without a referral from a primary care physician.
UnitedHealth Group also provides supplemental coverage for Medicare subscribers (Part C) as well as plans for parts A, B, and D.
Varying Coverage in Different States
Different states may have different policies and coverage available. Go to the UnitedHealth Group website to find out what specific policies, premiums, and coverage are offered in your immediate area, or contact them directly.
If you have a UnitedHealth Group plan, contact the company regarding the exact amount of your coverage for drug rehab. A representative at a prospective drug rehab center can also help you ascertain your exact level of coverage.
It’s important to know beforehand what you will be expected to pay out of pocket for rehab services.
(2019) United Health Care Group. UnitedHealth Care, Inc. from https://www.unitedhealthgroup.com/
(2019) Who Made the List? Fortune Magazine. from http://fortune.com/fortune500/list/
Affordable Care Act (ACA). Healthcare.gov. from https://www.healthcare.gov/glossary/affordable-care-act/
(2019) United Health Care Products & Services. UnitedHealth Group. from https://www.unitedhealthgroup.com/businesses/unitedhealthcare.html
(October 2018) Medicare. UnitedHealth Group. from https://www.uhc.com/medicare
(2019) Contact Us. UnitedHealth Group. from https://www.uhc.com/contact-us