United Healthcare Rehabs In Hawaii – Insurance Coverage

Treating an addiction to drugs or alcohol in Hawaii offers the opportunity to make positive changes to a personal lifestyle. Although the exact solutions depend on the rehab center and the tools used by a professional program, working with a health insurance provider allows individuals to focus on their recovery goals rather than the cost of treatment. United Healthcare policies in Hawaii allow individuals to work on recovery goals with the help of a professional rehab center.

Available Policies

Most individuals in Hawaii obtain United Healthcare coverage through an employer or a community group plan. When an employer offers two or three policy options through United Healthcare, individuals choose the policy that suits their needs.

For example, a Bronze policy offers basic coverage that is appropriate for the needs of a single individual, but might not meet the needs of a family with dependent teenaged children. However, a Silver or Gold policy offers coverage that helps with addiction treatment when a dependent child or teenager shows signs of substance abuse.

Regardless of the specific details, most policies through United Healthcare cover mental health disorder and addiction treatments to give individuals the tools to create a healthy lifestyle. Coverage amounts depend on the details of the policy, but usually cover most of the costs after an individual or family pays the stated deductible on the plan. Some policies require a co-insurance rate after the deductible, as well as a co-payment.

Working With Insurance To Cover Treatment

Since policies through United Healthcare cover treatments for mental health disorders, addiction, and co-occurring disorders, an individual must evaluate personal goals and preferences for treatment before selecting a program.

In most cases, United Healthcare covers a larger percentage of the costs of treatment when individuals work with an in-network rehab center. While, out-of-network treatment programs are still covered, they cost more due to a higher co-insurance rate. Co-payments usually apply to out-patient treatment programs, while co-insurance rates usually apply to residential programs.

Finding The Best Program For You

Opt for a program that offers counseling services, cognitive-behavioral therapy, and group therapy. Other evidence-based treatment services also help with recovery and are usually covered by the insurance policy. Unfortunately, you should expect some challenges when a program offers alternative therapies. Some policies cover holistic treatment programs, but do not cover the cost of elective therapies, like acupuncture, so evaluate the limitations in the policy before starting the program.

A treatment program can offer different methods of helping with recovery goals, so look at evidence-based treatment options and holistic plans that help with long-term goals. Use the United Healthcare policy to help identify the right program by focusing on in-network treatment providers and appropriate traditional therapies.

Limitations in the policy also apply to the duration of treatment. For example, if the policy limits coverage for in-patient or residential care to 30 days, then opt for a short-term rehab facility that offers a 30 day treatment plan. The policy might also limit the number of out-patient visits, so use the limitations in a policy to help identify the best treatment programs for individual goals.

Enjoying Recovery

Treating an addiction in Hawaii provides a chance to work on realistic goals and solutions. United Healthcare policies from an employer or group program help cover the cost of treatment and ensure that individuals have the tools to work on maintaining a healthy lifestyle. For more information about treatment in Hawaii, use the tools at RehabCenter.net today.

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