United Healthcare Rehabs In Rhode Island – Insurance Coverage
Substance abuse problems can cause tremendous havoc in a person’s life, such as damaged relationships and lost jobs. Many people struggling with this disease find themselves feeling increasingly despondent. Rehab is a critical part of helping them regain control of their life and health. With proper treatment, they are guided through the processes of: chemical detoxification; learning how to deal with stressors and triggers; and regaining a stable life.
Given the importance of rehab centers, it becomes clear why finding the right one is critical for your needs. However, it is also important to find one that works with your health insurance. After all rehab, particularly when one takes into account the length and intensity often required, can be expensive. Thankfully, insurance companies, like United Healthcare, do provide coverage for Rhode Island residents like you.
Familiarizing yourself with what your plan offers can help you find a center and a provider who help you maximize the rehab experience while also minimizing financial stress.
United Healthcare Substance Abuse Coverage In Rhode Island
For residents of Rhode Island, United Healthcare offers several plans that fall into three levels: Gold, Silver, and Bronze. These categories describe the rehab costs that you can expect to pay and how much is covered by your insurance. Higher level plans cover a greater percentage of the costs, but have higher premiums. The lower plans will cover a smaller percentage of the costs, but the monthly costs are also lower.
Aspects That Are The Same Across The Levels
All of the plans offered by United Healthcare in Rhode Island are Compass plans. Since they are all the same type of plan, there are commonalities between them. All are HMOs and referrals are required for patients, which means that you will need to find a primary care physician who can help you coordinate care. And there are a number of different options for rehab treatment. For example, there are long-term and short-term options in inpatient and outpatient centers. You may also need detox. An experienced physician that is familiar with your needs can help you sort through your options and make the decisions that work best for you.
You need to select providers who are within the Compass network, as out-of-network costs are not covered. While this can limit your choices in some ways, it may also make it easier for you to make a selection by narrowing your options down.
At the Gold level, you will have one of the lowest deductibles from United Healthcare. For some Gold level plans, however, you will also have a separate deductible for prescription drugs. Many patients in rehab find that they are prescribed different medications to help them through the process. Prescription drugs can help with detox, co-occurring disorders, and with maintaining sobriety. If you have a plan that has this separate deductible, make sure you budget for this expense.
With Silver policies, your deductible will be a little higher than with Gold level plans. Like those plans, some Silver plans come with a separate deductible for prescription drugs, which can impact the budget of those who need medication during rehab. You will have a co-pay when you go for substance abuse treatment. Many people find that flat co-pays are easier to budget, since the payment will be the same regardless of the cost of the actual rehab. If there are two in-network rehabs, one that will serve you a bit better and one that is cheaper, you do not have to worry about going with the cheaper one. Instead, you can focus on your care.
The Bronze level plans also have a higher deductible than other plans. Like the other levels, there are some plans that also include a separate deductible for prescription drugs. Also like the other plans, you should plan on a co-pay when you begin your treatment, which can help you confidently find the rehab that will best fit your needs.
As patients prepare to enter rehab, they know that finding one where they feel comfortable and at home is important. Finances, however, must also be considered. Finding a center that works with your insurance can help minimize costs. Knowing what your insurance plan covers can help you wisely choose the optimal place for your recovery.