Drug and Alcohol Rehabs That Accept UniCare Health Insurance
Medically reviewed byIsaac Alexis, M.D., AAMA, AMP-BC
July 20, 2018
Many healthcare insurance providers help pay for addiction treatment, and UniCare is no exception. The most critical task for you will be finding a rehab facility that accepts your individual UniCare plan. From here, the out-of-pocket costs can be figured out, as well as the length of treatment.
UniCare is an insurance company dedicated to delivering the best care to its members, providing better value to their customers, and helping improve the health of the community. They’re also an accredited health plan that meets or exceeds national standards for quality care. They work closely with doctors, and facilities to ensure that they meet national quality standards. They also provide procedure cost, and quality information to make the best choices when managing your health.
Does UniCare Pay For 100% Of Drug Or Alcohol Rehab Treatment?
Right now the main priority for you or your loved one is to stop using drugs or alcohol, and maybe the cost of treatment is what’s holding you back. Depending on your individual or group insurance coverage, the cost of rehab may actually be completely covered.
One of the big factors is the type of treatment center your UniCare plan will pay for. A person who chooses to go to a luxury rehab center may end up paying more than someone who chooses a more standard route.
There’s also a possibility that treatment of alcohol, benzodiazepines, or opioids will need to start with a medical detoxification. Detox is a treatment option that will factor into the cost of rehab. At the end of the day, it comes down to what the safest route for you is, and the more that you invested in recovery, the better your chance of success.
Mental Health Parity and Addiction Equity Act and the ACA
In 2014, there were 20.2 million adults with a substance use disorder. And in a study by the Substance Abuse and Mental Health Services Administration, that same year, “2.5 million adults aged 18 or older received treatment for alcohol or illicit drug use at a specialty facility in the past year. This translates to 1.0 percent of the total adult population.” Which means that the people who receive treatment for addiction are a serious minority.
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Thanks to the Mental Health Parity and Addiction Equity Act, and the Affordable Care Act, addiction treatment has been made available to those with insurance coverage such as UniCare. Here’s how:
- The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) – requires health insurers and group health plans to provide the same level of benefits for mental and substance use treatment and services that they do for medical or surgical care.
- The Affordable Care Act – expands the MHPAEA’s requirements by ensuring that qualified plans offered on the Health Insurance Marketplace cover many behavioral health treatments and services.
Additionally, the Mental Health Parity and Addiction Equity Act applies to:
- copays, coinsurance, and out-of-pocket maximums
- limitations on services utilization, such as limits on the number of inpatient days or outpatient visits that are covered
- the use of care management tools
- coverage for out-of-network providers
- criteria for medical necessity determinations
Does UniCare Cover Inpatient Or Outpatient Rehab Treatment?
In nearly every case, an insurance company will pay for the cost of both inpatient and outpatient drug or alcohol rehab, to an extent. The question is, what do you need to be successful in recovery?
Inpatient treatment is a great chance to make changes and learn to stay sober. It last for a number of lengths ranging from one day, 30 days, 60 days, to 90 days—which will likely change the amount covered by UniCare.
There’s no doubt that if you’re going into rehab you need to stop using drugs or alcohol. In nearly every case, drug or alcohol rehabs are a foundation for recovery, which will last a lifetime.
Addiction is a disease of chronic relapse. Chronic means that it doesn’t go away, it simply remains dormant once a person enters into recovery—it’s like diabetes, hypertension, or asthma, and like those diseases, treatment of addiction may require constant maintenance. The more you invest into inpatient or outpatient rehab, peer support, and aftercare support, the greater your chances of long-term sobriety.
Some of the other potential treatment methods to consider include:
- Medical Detoxification
- Inpatient Residential Rehab
- Outpatient Sober Living
- Behavioral Treatment Programs:
- Cognitive Behavioral Therapy
- Dialectical Behavior Therapy
- Mindfulness and Stress Management Practices
- Motivational Interviewing
- Medication-Assisted Therapy
- Aftercare Support
- Group Therapy
- Individual Therapy
- Support Groups
No matter the type of addiction treatment you choose or is suggested to you, your chances of success will be better by getting into rehab. Any kind of treatment is better than no treatment at all.
If this all seems confusing, but you know that you need help, we will be happy to help you figure out where to go from here.
What Else Can I Expect From UniCare Health Insurance And RehabCenter.net?
Once you’ve decided that you’re ready to invest in your future, it’s time to make sure your policy will cover treatment. You can quickly learn this information by reaching out to one of the treatment specialists at RehabCenter.net. You may even have other questions about treatment as well, and we’ll be happy to answer them for you.
Here are some other things you may want to consider before making the call:
- Will I be covered for out of state rehab?
- Are costs going to be covered for treatment at a specialized rehab?
- Does UniCare cover medication needed for treatment?
- Is detoxification going to be covered with my policy?
- How long will UniCare pay for rehab?
Find A Rehab Center That Accepts UniCare Today
Contact us to speak to a RehabCenter.net treatment specialist and get started on your future. Finding the best treatment that works with UniCare might be hard, but it doesn’t have to be. Call today.Article Sources
Substance Abuse and Mental Health Services Administration - Implementation of the Mental Health Parity and Addiction Equity Act
U.S. National Library of Medicine - SAMHSA Trends in Substance Use Disorders Among Adults Aged 18 or Older
UniCare - About Us