Choosing to finally get help for your drug or alcohol addiction is a brave step in regaining control of your life. Many people struggling with addiction avoid this decision. In turn, their health, family, and career suffers. Sadly, since addiction is a disease that only gets worse without proper treatment, some people pay the ultimate price for putting off addiction therapy.
Of course, you’re probably anxious about getting treatment. You may wonder what it will be like. How uncomfortable withdrawing from your drug of choice may be. And even how much you will have to pay for treatment. Let’s face it, some inpatient and outpatient facilities are expensive. The cost of treatment can be overwhelming.
If you have health insurance, chances are at least some of your treatment will be covered. How much depends on where you live and your individual policy. But insurance can be confusing. So much of the insurance company’s language may seem foreign. Don’t let this stop you. In fact, there are easily accessible resources that can help you understand your insurance plan.
United Healthcare Drug Rehab Coverage
It’s not surprising many people have United Healthcare insurance. It is one of the largest insurance providers in the country. In fact, over 45 million individuals have access to an extensive network including over 1.2 million health care professionals and almost 6,500 hospitals and other facilities. United Healthcare offers medical insurance through employers, individual plans, Medicare, and Medicaid programs.
If you have United Healthcare insurance, you probably have at least some coverage related to substance abuse and addiction services. What your insurance policy covers depends on where you live and the benefits of your specific plan. For example, a Preferred Provider Organization (PPO) plan can help pay for addiction services like inpatient and outpatient rehabilitation services as well as initial screening and counseling sessions.
To understand the how much United Healthcare will pay for these services requires understanding your health insurance policy. For some, this is not easy. It can be confusing understanding copayments, coinsurance, deductibles, and other insurance-related terms. Luckily, finding resources to help you figure out your policy is as easy as picking up the phone or going online.
Getting to Know Your United Healthcare Plan
If you looked over your United Healthcare policy and still have questions about getting addiction therapy services, you are not alone. Navigating the complexities of health insurance may require help from individuals who understand the system. Here are some resources you can use:
- Talking with your employer’s human resources department. If you get health insurance from your employer, someone in human resources can help you understand your benefits. Of course, some may feel uneasy discussing addiction treatment with their employer.
- Calling a United Healthcare representative. If you look on the back of your medical ID card, you will find a phone number for Member Services. This puts you in touch with an experienced representative who can clearly explain your insurance policy.
- Going online. If you rather use the internet to get answers to your insurance questions, visiting the United Healthcare website gives you access to your Summary of Benefits and Coverage as well as offers resources to better understand the insurance process. In addition, you can find addiction therapy providers that are in your network which can save you a lot of money.
- Contacting your desired treatment facility. If you have a specific addiction therapy provider in mind, calling the admissions specialist can be a great resource. These professionals work with many types of insurance policies and understand the insurance process. You can find out if you are covered at the facility and the steps you need to take to finally get treatment.
Paying Out-of-Pocket for Addiction Treatment
For many insurance policies, you will have to pay some money out-of-pocket to get addiction treatment. Don’t let this keep you from getting help. After all, addiction therapy is an investment in your future health and well-being. While you may have to initially pay for your treatment, the long-term benefits can actually save you money.
How? Think of how much money you spent on alcohol or drugs. Have you missed work or made poor financial decisions while drunk or high? Many people underestimate just how much addiction is costing them. Once you embrace a sober life, you may find yourself with more productive and financially secure.
In addition, some treatment facilities offer sliding scale fees or scholarship programs. Convenient payment plans are usually available. Don’t let the cost of addiction recovery distract you from once again taking control of your life.