United Healthcare Rehabs In Idaho – Insurance Coverage
When an individual in a family starts abusing drugs or alcohol, or shows signs of a mental health disorder, an insurance policy helps individuals address the situation. In Idaho, United Healthcare group and employer insurance policies offer solutions to help with the costs of addiction treatment, but the policies are only available through group programs and employers.
Group Programs and Employer-Provided Insurance
United Healthcare offers coverage through an employer or as part of a supplemental policy for specific groups. Essentially, the coverage works with the needs of large or mid-sized groups rather than focusing on the needs of each individual person or family.
Supplemental policies for Medicare focus on the needs of seniors. The policies from United Healthcare primarily focus on filling in gaps in the current coverage, rather than directly covering the costs of every healthcare need. It does offer some assistance for mental health disorders and addictions, but only in relation to the Medicare coverage. Since it is a supplemental policy, it only provides coverage to individuals with Medicare.
Policies provided by an employer depend on the company and the needs of the group. In Idaho, an employer decides on the policies the program offers. In most cases, an employer offers a few different options. For example, a basic Bronze policy helps cover most healthcare needs and mental health disorders, but it has a higher deductible and a higher out-of-pocket expense for treatment. It is usually appropriate for young individuals with limited healthcare needs.
Silver policies cover most health concerns and usually have a lower out-of-pocket expense, but costs more on a monthly basis. Gold and Platinum policies offer the greatest amount of coverage and are ideal for individuals with dependent loved ones and children, but they are the most expensive on a monthly basis.
Coverage With United Healthcare Policies
Generally, policies from United Healthcare through an employer help cover the cost of rehab treatments, but only when individuals comply with the standards of the policy. Expect some exclusions in a policy that limit coverage for programs like art therapy, music therapy, or acupuncture.
In most cases, coverage will help with out-patient treatments. The policies usually pay for the treatments after an individual pays the deductible and co-payment. In-patient or residential treatment programs usually focus on a co-insurance rate rather than a co-payment. The coverage usually pays for a percentage of the treatment, as long as the rehab center complies with the standards of the policy.
Usually, United Healthcare policies will pay for a larger percent of in-network treatment programs when compared to out-of-network programs. Most policies do not require a referral. However, each policy has different standards and limitations.
Understanding Treatment Options
Ideally, a treatment program will offer a personalized plan of action and focus on evidence-based treatments. Traditional treatments, like counseling and cognitive-behavioral therapies, provide a foundation for many treatment facilities. In general, residential or in-patient treatments offer more comprehensive options, including holistic and alternative therapies.
Out-patient programs offer evidence-based treatments and counseling services, but do not require individuals to stay at the facility. Pay particular attention to limitations on the duration of treatment, such as 30 days in a residential program or a set number of out-patient visits, to ensure that the program complies with the standards of the policy.