The cost of addiction treatment can be a barrier to people getting the help they need. At Detox Nashville we believe no one should delay treatment for fear of costs. Everyone deserves to live a sober life. That’s why we partner with major insurance providers to ensure clients receive the services they need. As one of the largest insurance providers, UnitedHealthcare (UHC), provides an array of plans and coverage for individuals seeking UHC detox in Nashville, Tennesse.
What is UHC Insurance?
UnitedHealthcare (UHC) is the health benefits business of United Health Group, a health care and well-being company. They help to build a modern health system that improves access, affordability, experiences, and outcomes. As such, UHC offers health benefits to individuals, employers, Medicare, and Medicaid beneficiaries. UnitedHealthcare provides health benefits for millions of individuals and families with a wide range of plans.
Individual and Family Marketplace Plans
Healthcare plans on the Affordable Care Act (ACA) Marketplace offer affordable, reliable coverage options for individuals and families. Also, as part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are eligible for lower, or in some cases $0, monthly premiums for ACA Marketplace healthcare coverage.
Employer-Sponsored Healthcare Plans
These plans play a significant role in providing healthcare coverage to millions of people. UnitedHealthcare employer-sponsored plans offer personalized support, helpful digital tools, and large provider networks. Also, depending on the plan, UHC offers wellness programs at no additional cost.
Self-Employed Health Insurance
UHC offers individual plans for the self-employed, with no employees, underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. Options include short-term as well as TriTerm Medical with coverage for up to three years or more. In addition, they have plans for small businesses that have 99 or fewer employees.
Student Health Insurance
Health plans for college students are generally cheaper than those remaining on parent’s employer-sponsored plans. Student plans have the following benefits:
- Lower deductibles and premiums
- Comprehensive benefits
- Greater access to national and local networks
- Better coverage for school-sponsored, on-site health clinics, and virtual visits
Plans for people 65 and over or those who may qualify due to disability or special needs. These plans include:
- Medicare Advantage (Part C) Plans
- Medicare Supplemental Insurance (Medigap)
- Prescription Drug (Part D) Plans
- Dual-Special Needs (D-SNP) Plans
These are plans with low or no cost for people with lower incomes. Other people who sometimes qualify for Medicaid are:
- Pregnant women
- Older people
- People with a disability
Does UHC Insurance Cover Addiction Treatment?
UnitedHealthcare is committed to helping people get access to the addiction treatment they need. Because of this, UHC operates a 24-hour Substance Use Helpline. Here, plan participants can speak with a specialized substance use recovery advocate. Consequently, participants get confidential support, guidance on treatment options, as well as help finding a network provider. The advocate can also answer concerns about coverage, cost of care, and more.
UnitedHealthcare offers many different policies with varying levels of coverage. While the majority of UnitedHealthcare plans allow for addiction treatment, the payment of services and upfront costs can fluctuate based on the policy and location. UHC participants can check their benefits online.
In general, drug and alcohol addiction services often covered by most plans consist of:
- Inpatient detoxification
- Outpatient detoxification
- Inpatient rehabilitation
- Outpatient rehabilitation
Understanding insurance coverage can be overwhelming. Because of this, our trained specialists at Detox Nashville can help clients navigate the benefits of their UnitedHealthcare plan.
Detox at a professional detox facility may be necessary for most people before beginning addiction treatment. In fact, depending on the plan, there is usually at least partial coverage for inpatient or outpatient detox. This is beneficial for those seeking UHC detox in Nashville, Tennessee.
Does UHC Insurance Cover Mental Health Treatment?
Often, people who suffer from substance use disorders also suffer from mental health disorders. This is called a dual diagnosis. Individuals living with co-occurring disorders can get the support they need with a professional treatment program. UnitedHealthcare plan policyholders can access this assistance through their behavioral health benefits.
Mental health and behavioral health care programs and resources are available to UHC participants. This includes substance use treatment. However, coverage for mental health care services depends on the specific benefits of each health plan. Members can check their accounts online or call the phone number listed on their member ID card to learn more about their eligibility.
UHC programs may include an Employee Assistance Program (EAP), virtual visits, or other health and well-being resources. In addition, some plans may include emotional support programs, apps, and phone services. Because UHC cares about emotional health, they also offer clinical and disease management support for those suffering from serious illness or disease.
Will I Have a Deductible for My UHC Coverage?
Most UnitedHealthcare plans provide some coverage for detox and addiction treatment. However, the deductible amounts and out-of-pocket expenses depend entirely on the individual’s UHC plan. Typically, UnitedHealthcare’s more comprehensive plans have a 20% to 30% deductible. Also, rehab facilities do not necessarily need to be in-network. Accordingly, individuals should check with UHC for accurate information about out-of-network services.
Many people do not understand the full benefits of their insurance coverage. At Detox Nashville, we encourage our clients to get the most out of their insurance plans. It can be challenging for clients trying to figure out what their insurance will pay and what they will need to pay out of pocket. As a result, we are here to help clients review their insurance plan benefits for UHC detox in Nashville, Tennessee.
UHC for Detox in Nashville, TN
Worrying about the cost of addiction treatment is understandable. However, it doesn’t have to stop you or your loved one from getting the help you need. Hence, we work with UnitedHealthcare so you can receive safe and effective detox in a comfortable setting. For help verifying UHC detox in Nashville, Tennessee, contact us today.