United Healthcare Rehabs In New Mexico – Insurance Coverage
When patients realize that they need help for substance abuse, one of their first concerns is payment. While some less expensive rehabs might ask for payment on a sliding scale, it is common for many of the high end facilities to cost several thousand dollars. Patients must also consider any payments required for drug detox and aftercare, such as halfway housing.
Fortunately for those with insurance, eligible plans under the Affordable Care Act must include coverage for substance abuse treatment. The challenge is that patients and their loved must be familiar with the types of care covered, the level of coverage and how much they will be expected to pay out of pocket.
United Healthcare for Substance Abuse Treatment in New Mexico
For patients in New Mexico, employers can offer a range of different types of plans. Each of these plans carries different structures that determine the types of treatment available and how the costs to the insurance company and patient themselves are calculated.
United Healthcare Choice Plus
If you have a Choice Plus plan through United Healthcare, then you have access to their network of providers. You also can elect to use out-of-network providers, although your benefits will be lower. This provides you with greater flexibility, however, in finding the long-term or short-term care situation that will best fit your needs. Since you do not need a primary care physician either, you can see specialists who are experienced with working with those struggling with substance abuse issues without having to go through the referral process.
Health Reimbursement Account
A Health Reimbursement Account is an account owned by your employer. This account can accumulate funds that can be used to help with out-of-pocket medical costs. The employer can determine contribution guidelines while building an account that helps to maximize the usage of the funds available.
Health Savings Account
The Health Savings Account is owned by you. This allows you to make contributions and roll it over when you do not use all the funds. Since you are in control of the account, it is easier for you to use it to budget for expected medical expenses, such as rehab. These accounts work with an Annual Deductible Health Plan and the funds can be used to pay the deductibles and coinsurance. Funds that are not used belong to you.
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United Healthcare Options Non-Differential PPO
If you do not have access to the standard United Healthcare PPO network service area, then you can still receive benefits through the non-differential PPO plan. Under this plan, you receive reimbursements at a single coinsurance level. You do not have to use a network provider, either, which means you can find the professionals that will best fit your needs. If you need help with detox, holistic treatment or any other step in the journey towards recovery, you can speak with your insurance representative and use the professionals that you believe will be the most helpful.
United Healthcare Edge
The Edge plan provides you with access to the large United Healthcare network, allowing you to pursue the right rehab facility no matter where it might be. You do need to use providers that are considered in-network to receive benefits. You will be working with the well-regarded Tier-1 providers who have already demonstrated the value their offer their patients.
Tiered Benefits
When you have this type of plan, United Healthcare will provide you with access to the Tier-1 physicians that have been recognized by the company. This can help you identify providers who have already demonstrated their value, improving your chances of finding therapy that will help you succeed in maintaining sobriety. The plan is centered around avoiding high premiums, which can make it easier for you to budget for the cost of rehab. You can see specialists without a referral, allowing you to easily access qualified therapists and practitioners who can help you on the path towards recovery.
For patients preparing to enter rehab in New Mexico, finding a treatment option that is affordable and effective is critical. Fortunately, insurance providers can help patients find effective treatments and make them accessible. When patients and their loved ones are informed about their insurance coverage, they can make wise decisions about treatment and payment options. All patients should speak with an insurance representative before making medical decisions.
