United Healthcare Rehabs In Louisiana – Insurance Coverage

Developing an addiction or a mental health disorder causes concerns for the entire family. It changes the way an individual behaves with loved ones and the community. In Louisiana, United Healthcare policies offer individuals and families options to help with long-term recovery goals. The policies offer coverage for mental health disorders and addiction, so that individuals address the underlying causes of the problem and start making positive changes.

Louisiana United Healthcare Policies

United Healthcare offers several different HMO policies to individuals in Louisiana. Generally, the policies fall into four categories: Bronze, Silver, Gold, and Platinum policies.

In most cases, an individual must pay the deductible before benefits or coverage applies to mental health treatments. Some policies, like a Platinum policy, cover out-patient treatments before an individual pays the full deductible and only require a co-payment rate. As a general rule, Bronze and Silver policies have higher out-of-pocket expenses for addiction treatment because an individual must pay the deductible before coverage applies. The policy also covers a lower percentage of the treatment.

Gold and Platinum policies usually cost less due to the lower deductible and the lower co-payment or co-insurance rates. Some policies pay for the entire cost of treatment after an individual pays the deductible.

Treatment Programs That Might Be Right For You

When considering programs and facilities, find ones that offer personalized treatment plans. A program that offers evidence-based treatments, like counseling and cognitive therapy, ensures that an individual modifies his or her behavior and identifies the possible risk factors that contribute to an addiction.

Holistic treatment programs also offer solutions to help in Louisiana by addressing multiple complications and concerns. For example, a holistic treatment program offers nutrition therapy to address deficiencies that develop after addiction. A program that offers an evidence-based approach with holistic treatment solutions can ensure that individuals go through a safe recovery process. Ideally, a program will also offer a safe detox service to help with the initial steps of recovery.

Avoid Excluded Services

Although the policies in Louisiana cover addiction treatment and treatments for co-occurring disorders, exclusions and limitations often apply to the situation. Exclusions refer to any specific treatments that the policy does not cover. For example, massage therapy or art therapy is not usually covered, since it is usually considered an elective treatment.

Limitations on the policy usually relate to treatment duration. Some policies only cover addiction treatment in a residential program for a limited number of days, such as 30 days in one year. Other policies limit the number of out-patient sessions an individual can seek each year. Depending on the policy, individuals may or may not need a referral from a medical professional. Many United Healthcare policies, such as Choice and Choice Plus policies, do not require a referral.

Addressing Addiction In Louisiana

The best solutions for substance abuse and co-occurring disorders in Louisiana depend on the details of an insurance policy. For more details about treatment programs in Louisiana, use the tools at RehabCenter.net today.

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