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United Healthcare and Rehab Coverage
United Healthcare is a top leading provider when it comes to health insurance plans. They offer individual and employer insurance plans, including mental health insurance and rehab insurance plans. In addition, they offer supplemental plans which include vision, dental, and short term health insurance. You will also find United Healthcare offers a vast range of other services for behavioral health. This includes United Healthcare mental health and substance abuse alternatives. To get the cost even cheaper, you may need to find a provider in the United Healthcare Rehab network or other networks they work with.
United Healthcare and Rehab Services
When the Affordable Care Act was created many insurance providers were required to expand their behavioral health, substance abuse, and mental health treatment coverage benefits. United Healthcare was among the providers who adapted the new policies and expanded their portfolio. The company does offer plans which include substance abuse, mental health, and rehab treatment benefits.
However, United Healthcare policyholders may be responsible for some the costs which include the following:
- Inpatient care
- Residential rehab
- Outpatient rehab
- Follow up care
There might be factors related to the amount a policyholder must pay for these services. If you would like to learn more about out-of-pocket expenses regarding the United Healthcare plans, you should contact an agent today.
The United Healthcare behavioral health network has more than 80 thousand licensed and certified medical professionals among it. You will also find a large number of specialty care providers working within the network. United Healthcare also offers plans which include inpatient and outpatient rehab treatment benefits at over 3,600 locations around the United States.
There are some United Healthcare guidelines a person seeking inpatient mental health services might have to meet in order to get services. For instance, services must be hindered under complete comprehensive, individualized treatment plans. You might also find some limitations may apply such as a person might only be allowed a certain number of inpatient services over a lifetime.
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United Healthcare and Mental Health Services
United Healthcare does offer policyholders a wide range of mental health services. They have a team of experts who can answer any questions about these services, plans, and coverage options regarding mental health, behavioral health, and substance abuse.
The experts at United Healthcare can also provide policyholders with names of facilities and doctors who participate in their network. In addition, they can help you monitor your progress to make sure you are getting the best possible care and help you manage any issues you might have regarding treatment.
As previously stated, after the implementation of the Affordable Care Act, United Healthcare expanded their plan coverages for those with mental health and behavioral health disorders. However, United Healthcare has decided to leave some state exchanges, but still constrict to following much of the mental health coverages required by the law.
One of the laws which insurance providers must follow requires mental and behavioral health services be treated in the same manner as medical health services. This law includes the mental services provided by United Healthcare. For example. copays for corresponding medical services must be identical to mental health copays.
In depth, The Mental Health Parity and Addiction Equity Act of 2008 requires the financial requirement of insurance plans can be no more confining than what is applied to surgical or medical benefits. It also states the treatment limitations for substance abuse disorders and mental health benefits also can’t be more confining than what is applied to surgical or medical benefits, as well.
United Healthcare and Behavioral Services
United Healthcare offers a variety of behavioral health services which help policyholders handle mild to severe mental health challenges. However, some services may need to be declared medically necessary. You will find United Healthcare has a rather large network of care providers such as professional counselors, therapists, and psychiatrists. Some of the behavioral health challenges which the company may cover include the following:
- Eating disorders
- Anxiety issues
- Stress due to parenting, family, eldercare, and relationships
- Issues related to domestic violence
You can obtain more information on behavioral services which can be covered under United Healthcare plans by calling them directly and speaking with one of their representatives.
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Our Verification Process
Our insurance verification team works quickly to verify your insurance benefits to place you into one of our centers as soon as possible. Because of our industry expertise we will be able to verify this information in a timely manner and can advocate for more coverage or more time in treatment. We strive to do this as quick as possible while also maximizing your coverage. Our insurance verification process is of no cost to you and there are absolutely no obligations.
United Healthcare and Rehab Services
United Healthcare does offer some rehab coverage. However, you may need to understand a few things. First, you will likely need a pre-authorization before they will allow you to get addiction treatment coverage. In addition, you might have a copay. People can look at the summary of benefits provided with United Healthcare plans to better understand pre-authorizations and copay guidelines.
Does United Healthcare pay for drug rehab? This is a common question. The company might cover drug rehab, but you may need to get it pre-authorized. In addition, you might be required to present documentation which highlights the reasoning for this service. People seeking inpatient rehab and detox services may also have to submit proper documentation for them to pay for the services, as well. You should also understand there are some detox components which United Healthcare will not cover such as extra costs related to outpatient care and methadone maintenance.
United Healthcare normally only covers up to 190 days for someone in a residential psychiatric facility. Also, a policyholder will need to show medical proof for being admitted more than once to a substance abuse facility.
If you would like more information regarding United Healthcare benefits and coverages, your best option is to look through your summary of benefits or contact them directly. United Healthcare representatives can guide you through plan options and explain all the details of each one.