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United Healthcare Rehabs In Colorado – Insurance Coverage

Isaac Alexis, M.D., AAMA, AMP-BC

Medically reviewed by

Isaac Alexis, M.D., AAMA, AMP-BC

March 20, 2019

Enjoying new opportunities and activities requires excellent health, but unfortunately, drug and alcohol abuse harms the body and mind. By understanding the available insurance policies from United Healthcare in Colorado, individuals have opportunities to recover from substance abuse or a mental health disorder and start enjoying their life.

Types of Policies

In Colorado, United Healthcare offers two main types of policies: group policies from employers and policies that work with Medicare. The Medicare Advantage policy allows individuals to seek basic healthcare needs and work with a medical professional to accomplish personal goals. It does not necessarily pay for in-patient or residential rehab centers and treatments, but the policy does allow individuals to seek appropriate medical care without a referral based on individual needs and health. It does provide some options for mental health disorders and addiction, but the specific details depend on the situation.

Group policies in Colorado vary based on the options presented by the employer. Each employer offers different programs and options based on the size of their business and the possible concerns that arise when hiring new employees.

In general, group policies offer different levels of coverage for outpatient and residential care based on the needs of each individual. In some cases, the treatment only requires a stated co-payment after an individual or family pays the deductible. in other situations, the policy covers a percentage of the treatment based on the co-insurance rates. Group policies offer a variety of coverage options, so the details and the policy varies.

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Coverage Basics

The coverage available through United Healthcare for co-occurring or mental health disorders depends on the policy. In some cases, it helps cover the cost of out-patient treatment programs after a co-payment. Residential or in-patient programs usually cost more because the policy pays a percentage of the costs. In Colorado, the policies usually offer higher coverage amounts for in-network treatment programs when compared to out-of-network programs.

Referrals for treatment depend on the policy. Some require a referral from a primary care doctor while others allow an individual to move forward with treatment for without one. Exclusions for certain treatments apply to most policies. For example, an elective treatment like art therapy or music therapy is not usually covered in the policy. However, evidence-based treatments, like cognitive-behavioral therapy or counseling and group therapy, are usually covered by United Healthcare.

Treatment Options and Recovery Solutions

Treatment for an addiction or a mental health disorder depend on specific concerns and goals. In general, traditional and evidence-based treatments allow individuals to focus on their recovery goals in a safe environment. However, some individuals respond better to holistic treatments and alternative therapies.

By working with a professional treatment program that offers a personalized treatment plan, individuals have the tools to accomplish their goals and address the underlying causes of an addiction. The insurance from United Healthcare usually covers any medical treatments or treatments for co-occurring disorders that complicate the recovery process, so individuals have a variety of tools to accomplish their goals.

Selecting a Treatment Program in Colorado

Recovering from drugs or alcohol requires professional treatment and appropriate tools. The best treatment facilities in Colorado work with an insurance policy and help individuals accomplish their goals in a safe environment. By using, individuals can identify the best facilities for their situation and compare different options that work with United Healthcare’s insurance options.


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