United Healthcare Rehabs In Pennsylvania – Insurance Coverage

When patients make the decision to enter rehab, they can feel overwhelmed. They will have to confront their life’s trajectory that has led to their substance abuse problem and find a way to recover. For many, this will mean a complete change in their friendships and their regular routine.

In addition to the emotional obstacles that must be tackled, patients and their loved ones must also face struggles that can arise from the financial side of rehab. Rehab can be a quick, few-week outpatient period for some people, but many people need a longer process of detox, intensive inpatient treatment and aftercare, such as a halfway house.

These various aspects of rehab can become expensive. Fortunately, insurance plans will cover substance abuse treatment, but the key is learning exactly what your exact plan covers and how that influences the providers and facilities you pick. Here is what all patients in Pennsylvania should know about their United Healthcare offerings.

United Healthcare Substance Abuse Coverage in Pennsylvania

For patients in Pennsylvania, coverage from United Healthcare is provided in three levels: Gold, Silver and Bronze. This structure describes the amount that you can expect to pay out of pocket for healthcare costs. Gold plans, the highest of these three levels, will have the least amount of health care expenses out of pocket. You will generally have the highest premiums but lower deductibles, coinsurance and copayments. Silver plans fall in the middle, and then Bronze plans will have you pay the most out of pocket, generally have the lowest monthly payments and will have higher deductibles and related expenses.

The plans currently offered to Pennsylvania residents are considered Compass plans. This means you will have to find a primary care provider to help you coordinate your treatment. This provider can serve as an excellent resource, helping you to sort through the variety of treatment options available and identify the ones most likely to be helpful for you. They can help advise you about whether or not you need inpatient or outpatient care, if you should plan for detox and other aspects related to treatment. When you decide on a treatment plan, they can also provide you with the referrals needed to get started.

It is important to note that this type of plan only provides coverage for in-network providers. This will help you keep your expenses under control and it can also make it easier to narrow your list of possible providers.

When it comes to alternative and holistic therapies, there are some treatments that are covered, such as chiropractors, while others are not, such as acupuncture. Patients should speak with an insurance representative to see if their preferred treatment would be covered.


Under the Gold plans currently offered in Pennsylvania, you will generally have the lowest deductible available from United Healthcare. It is important to note that you will also have a separate deductible for prescription medications. Commonly, patients in rehab need access to prescriptions to help them in a variety of situations, such as coping with detox. Those with this plan will have to budget for this additional expense. When you find a treatment center you like, you should expect a copay for outpatient services and a coinsurance percentage for inpatient care.

virtual care

Get treatment when
and how you need it.


At the Silver level, patients will generally have deductibles that are higher than Gold but lower than Bronze. While some of the plans have a separate prescription drug deductible like the Gold plan, this does not apply to all the available Silver plans. At the Silver level, there are some plans that follow the same model as the Gold plan and have a flat copay for outpatient treatment and a coinsurance percentage for inpatient treatment. Others have copays for both.

Within this grouping of plans, there are also some that offer you the chance to have a health savings account. This tax-free account lets you set aside money for certain medical expenses. This can help you do things like pay your deductible, save for extra cognitive behavior therapy after rehab or fund certain holistic treatments.


At the Bronze level, you will typically have the highest deductible. There are no separate deductibles for prescription drug coverage, which may make it easier for some patients to budget. The available Bronze plans might have either a coinsurance payment for both inpatient or outpatient treatment or there might be no charge once the deductible has been met. Like the Silver plans, some options let you start an HSA (health savings account) to cover certain expenses.

When patients realize that they need rehab to regain control over their lives, they can feel overwhelmed. By making sure that the treatment will be financially covered, patients and their loved ones can reduce the stress and empower the patient to focus on their treatment.

Want to get help, but not ready to talk?

You can receive 24/7 text support right away and at your convenience. There is no obligation to enter treatment and you can opt out at any time.

Sign up for text support to receive:

✅ Resources about addiction and recovery

✅ Info about our treatment process

"*" indicates required fields


Let Regard Healthcare walk you through the treatment process. We're here to help.
For 24/7 Treatment Help
100% Free and Confidential. Call 888-341-4325

For 24/7 Treatment Help Call:


For Immediate Treatment Help Call:
(888) 979-9592