UnitedHealthcare/Optum Drug Rehab Insurance Coverage

UnitedHealthcare rehab coverage offers plans to help cover addiction treatment costs, so you can start leading a healthier life today.

Trying to find the right rehab facility, let alone one that takes your insurance, isn’t easy, but UnitedHealthcare/Optum offers addiction treatment that is accessible. This page explains UnitedHealthcare/Optum addiction treatment plans and how The Recovery Village Ridgefield can help you begin recovery today.  

UnitedHealthcare With Optum Provider Overview

UnitedHealthcare is a health insurance company that partners with Optum, a clinical healthcare service. Together they help over 130 million people and 3.5 million Veterans and military service members lead healthier lives.  

The Recovery Village Ridgefield accepts UHC/Optum insurance and provides other payment options to make addiction treatment more accessible. 

Does UHC/Optum Cover Addiction Treatment? 

UnitedHealthcare and Optum will cover some or all of the cost of addiction treatment. Both companies follow federal guidelines requiring all health insurance companies to offer mental health and addiction treatment coverage. 

The amount UHC will cover for addiction treatment depends on: 

• Your specific plan
• The type of treatment received 
• Whether you are using an in-network provider 

Types of Substance Abuse Treatment Covered by UHC/Optum

The types of treatment UHC/Optum may cover for addiction include but are not limited to: 

• Medical Detox
• Inpatient Care
• Outpatient Care
• Intensive Outpatient Care 
• Partial Hospitalization Programs  
• Aftercare

UHC/Optum Plans and Coverage

UnitedHealthcare offers state-specific healthcare plans with multiple tiers of coverage. The plan options include: 

• UnitedHealthcare Choice: This plan covers in-network care and allows policyholders to see in-network specialists without a referral. Out-of-network services are not covered. 
• UnitedHealthcare Choice Plus: This option covers in-network care, allows policyholders to see in-network specialists without a referral and provides some out-of-network coverage. 
• UnitedHealthcare Options PPO: This plan provides in-network and out-of-network coverage and allows policyholders to see a specialist without a referral. Out-of-pocket costs are lower for in-network care. 

UnitedHealthcare also offers Optum Care in some states. This plan lets policyholders see a network of primary care doctors and specialists. In Washington, Optum Care has a network of 8,300 providers spanning 16 counties and offers coverage for Medicare Advantage holders. You can search by state to learn if Optum Care coverage is available.  

Cost of Addiction Treatment Under UnitedHealthcare/Optum

The cost of addiction treatment under UnitedHealthcare/ Optum depends on:

• Your insurance plan
• The type of treatment 
• Where you went to treatment 

Many insurance plans have a deductible or a set amount a policyholder must pay before coverage kicks in. Once a deductible is met, patients may be responsible for paying a copayment, a coinsurance or both. 

Copayments are fixed dollar amounts owed for healthcare services. For example, a patient may have to pay a copay of $25 for a physician’s office visit. Coinsurances are the percentage of treatment costs a patient is responsible for. That means a patient with a 30% coinsurance is responsible for paying 30% of their treatment costs. The insurance provider pays the remaining 70%. 

Most insurance plans also have an out-of-pocket maximum. This is the maximum dollar amount a policyholder can pay toward treatment costs. However, when the out-of-pocket maximum is met, the insurance policy must cover all healthcare service costs for the rest of the year. 

You can find out what your UHC policy covers by calling the number on the back of your insurance card. If applicable, a representative will tell you your: 

• Deductible
• Copayment 
• Coinsurance amounts 

You can also determine your benefits using our benefits checker. 

Benefits of Using UHC and Optum for Addiction Treatment

UnitedHealthcare and Optum make getting the addiction treatment you deserve possible. 

With a UHC/Optum plan, you can access a wide range of rehab facilities that provide a full continuum of comprehensive, evidence-based and physician-led care. Moreover, using your plan can greatly reduce addiction treatment costs, making recovery more accessible. 

You can check your UHC and Optum benefits using our benefits checker or by calling the phone number on the back of your insurance card. 

Rehabs Accepting UHC/Optum in Washington State

Paying for addiction treatment doesn’t have to be challenging. The Recovery Village Ridgefield accepts UnitedHealthcare and Optum and offers many physician-led addiction treatment programs. Take the first step towards recovery by contacting us today.