United Healthcare Rehabs In Iowa – Insurance Coverage
Going into rehab or getting therapy are great solutions for treating your drug and alcohol addiction. However, finding a way to pay for such services can be tricky. If you have United Healthcare coverage in Iowa, then you have several options. Take a look and see which plan will best serve your individual rehabilitation needs. In the end, your treatment is vital to recovering from drugs and alcohol. At the same time, you don’t want to be overburdened by extensive debt.
Coverage Options In Iowa
As someone interested in drug and alcohol treatment in Iowa, United Healthcare provides a range of group and employer-based coverage policies:
- United Healthcare Choice Plus
- United Healthcare Choice Plus w/ HRA/HSA
- United Healthcare Choice Plus with Tiering
Greatest Level Of Choice
When entering treatment for substance abuse, you want to maintain as much of your power of choice as possible. This helps you select the detox, rehab, and recovery programs best suited for your level of care. The plan with the greatest level of choice is the United Healthcare Choice Plus plan, while the Choice Plus with Tiering plan offers the least amount of flexibility. Each of these plans offers multiple levels of coverage. For the Choice Plus plan, you can choose from bronze, silver, gold, and platinum, while the other two plans include bronze, silver, and gold plans.
Benefits Across The Board
Each of these three plans offer many of the same benefits that can best serve your needs for drug and alcohol rehabilitation. They all provide a broad range of coverage such as out-of-network coverage. You are given incentives for well-care checks and prevention services, which can help you as you move into recovery. The plans all feature pharmacy coverage at varying degrees, as well as coverage for accidents and critical illness.
Coinsurance And Deductibles
Each of these plans offers a range of deductibles starting at $250 and going up to $5,000. Receiving more coverage requires paying the lowest deductible. The United Healthcare Choice Plus plan coinsurance costs varies from 50 percent to 100 percent, as does the Choice Plus w/ HRA/HSA. As for the United Healthcare Choice Plus with Tiering, you have a lower percentage of coinsurance ranging from 20-70 percent.
Coverage Benefits For Substance Abuse Treatment
United Healthcare insurance plans offer a set range of coverage for any beneficiary seeking treatment for drugs and alcohol. This is independent of the specific coverage you receive through the insurance plan you have selected. For your drug and alcohol treatment, you receive the same level of care as you would for any other illness. Additionally, your benefits for outpatient doctor visits are limited to $50, which means you are responsible for anything over that amount.
As for rehab coverage, you must go into a rehabilitation program within 14 days if you have been admitted into the hospital for treatment or detox for a period of three or more days. Also, your rehab stay is limited to 60 days per policy term, which can range from 30 to 360 days.
Consult with your primary care physician before choosing a rehab program so you can receive a level of care regarding your drug and alcohol abuse issues. This diagnosis, along with any referrals, can help you make the wisest choices, and best investment with your insurance coverage, so you aren’t overspending for your treatment.