UNITED HEALTHCARE INSURANCE

Sana Lake Recovery is an In-Network Provider for United Healthcare

United Healthcare Insurance Coverage for Drug and Alcohol Rehabilitation

What is UnitedHealthcare?

UnitedHealthcare is one of the world’s leading insurance companies. They cover individuals and businesses in all 50 states in the USA and over 130 countries. Not only does UnitedHealthcare cover individuals it also covers businesses. As well as the self-employed and provides Medicare plans as well. They offer specialized plans for each pool of clients. UnitedHealthcare has a whole bureau dedicated to helping people who are the victims of addictions. They can help you find addiction treatment.

What UnitedHealthcare Policies Cover Addiction Recovery?

Many of UnitedHealthcare’s insurance policies offer addiction recovery insurance to varying degrees. The only exception to this practice is their short-term or “bridge” policy. Short-term policies are not intended to be permanent. Short term policies are usually purchased to cover the gap between insurance policies that might occur if you change jobs or you are looking for a new one and your only previous insurance was under your old employer. Unfortunate short-term health insurance does not qualify for the Affordable Healthcare Act of 2010. This means that it is not required to provide addiction recovery services.

Can I Get in Trouble for Getting Addiction Recovery Help at Work?

With the exception of the short-term health insurance policy, all policies are required to offer some degree of coverage for addiction recovery. They are for people who are between insurance policies or missed open-enrollment under the Affordable Care Act of 2010 and do not qualify for special enrollment.

Why do People Have Short-Term Insurance?

Reasons that people have short-term policies are:

  • They are waiting for their ACA coverage to start
  • They are 26 and coming off their parent’s insurance
  • They are under 65 and healthy
  • Can I Get Addiction Recovery Help on My Former Employer’s Insurance Plans

Do I Have Insurance if I am Between Jobs?

Another reason that someone might have a short-term policy is they are between jobs that offered employer-funded health care, or they have a job that offers employer-funded health care, or their benefits from their new job have not started yet. Most employer’s insurance and human resources (HR) departments will work together to help someone who is suffering from an addiction disorder get help discreetly and anonymously.

What Types of Insurance Does UnitedHealthcare Provide?

UnitedHealthcare offers five groups of insurance policies:

  • Individual/Family
  • Self Employed
  • Employer
  • Medicare
  • Short Term Health Insurance

What Do I Do If I Can’t Afford Addiction Recovery Clinics?

For some people, short term health insurance might be new. Short term health insurance helps bridge the gap between different insurance policies and it is not meant to be permanent. Unfortunate short-term health insurance does not qualify for the Affordable Healthcare Act of 1010. This means that it is not required to provide addiction recovery services. With the exception of the short-term health insurance policy, all policies are required to offer some degree of coverage for addiction recovery.

Will My Boss Help Me Get Addiction Recovery Help?

Most employer’s insurance and human resources (HR) departments will work together to help someone who is suffering from an addiction disorder get help discreetly whether or not their benefits from their new job have started yet. If your employer does not keep your information private, they may suffer legal action.

Does UnitedHealthcare Provide Medicare?

Some other plans that you might be familiar with are:

  • Medicare Advantage
  • Medicare Supplement Insurance Plans
  • Medicare Prescription Drug Plans

What are Co-occurring Disorders?

Co-occurring disorder or dual diagnosis as it is also known as a combination of both addiction and another mental health disorder. If you have co-occurring disorders such as depression and alcoholism, you might want to also ask UnitedHealthcare about its Medicare Prescription Drug Plan and/or any other medication component to your current plan. One example of this is depression and heroin addiction.

Your plan might cover the medication for depression and/or other mental health medication you might have. All components of the co-occurring disorder will need to be treated on an ongoing basis while the person continues on the recovery journey. Someone with dual diagnosis might have more than one original underlying mental illness like anxiety and depression, that initiated the addiction.

Are All Parts of Addiction Recovery Covered by my Insurance?

It is important to remember that not all of these treatments are covered and the ones that are covered may not be covered to the same degree. However, in-network providers are still much cheaper than out-of-network providers.

What Parts of the Addiction Recovery will UnitedHealthcare Cover?

In drug/alcohol detoxification your body naturally purges itself of the harmful drugs and alcohol in your system. This process can be made much more comfortable with medical tapering which introduces medications into your system which lessen the discomfort of detox. In reputable addiction recovery facilities, trained staff are on hand 24/7 to deal with any problems that arise during the detoxification process.

This program starts after an individual has detoxified from the harmful levels of drugs and/or alcohol in their system. During residential treatment, the patient lives in the treatment facility. This decreases the risk of relapse as drugs and/or alcohol are not allowed in the facility. Patients are also kept on a strict schedule to help them to begin to adjust to a more conventional life.

During the PHP stage, patients have more freedom in their day to day activities. However, they are still kept to a schedule. Learning how to cope in the outside world while avoiding the temptations of drugs and/or alcohol is emphasized as well as therapy.

During the IOP stage, patients live at home but spend considerable time at the clinic in therapy and developing skills they need to help try to make their life changes permanent. For some people, it is possible to move straight to an IOP after detoxification. This usually depends on what type of drugs the person has been abusing and how long they have been abusing them. While it might sound appealing to try to skip ahead to an IOP, if you need residential treatment there is no way around going through the longer process if you want the best results

Are All Parts of Addiction Recovery Covered by my Insurance?

It is important to remember that not all of these treatments are covered and the ones that are covered may not be covered to the same degree. However, in-network providers are still much cheaper than out-of-network providers.

What is the Difference Between an In-Network provider and an Out-of-Network provider?

In-network health providers have been carefully screened by your insurance agency to guarantee the maximum benefits of their program. While out-of-network providers are not necessarily worse, they have not yet been screened by your insurance company or they have failed the screening process. In certain situations, your healthcare company will cover a part of your out-of-network treatment. The price of your treatment will still be higher than if you went to an in-network provider though.

The Sana Lake Addiction Treatment Services Promise

At Sana Lake Recovery Center, we understand those suffering from addiction and substance abuse. Therefore, we strive to help our patients receive the best high-quality care for their specific needs. Our specialists understand that everyone is different, and therefore, treatment is not a one-size-fits-all approach.

We promise to find each of our patients the right comprehensive treatment plan to treat all of their needs effectively. If you are feeling burdened by something, such as finances, and it is stopping you or a loved one from finding treatment, know that help is always available no matter what. Contact us today to learn more about addiction treatment with Cigna insurance.