United Healthcare Rehabs In Washington – Insurance Coverage

People preparing to enter rehab should have a good idea of what their insurance policy covers and how that impacts their rehab. This information can help them find the providers and facilities most capable of helping them truly change while still avoiding unnecessary out-of-pocket expenses. Without insurance, the various aspects of rehab can quickly add up.

For example, many people will need to go through detox to ride their bodies of the substance. After detox will be therapy, such as cognitive behavior therapy, which can be done in an inpatient or outpatient setting.

Once the main treatment has ended, many people find continued care, such as a halfway house, to be helpful as they rebuild. Fortunately, health plans do offer coverage for substance abuse treatment. Here is what people should know about United Healthcare in Washington.

United Healthcare Substance Abuse Coverage In Washington

United Healthcare Choice

The United Healthcare Choice plan is considered ‘’open access’, which means you can see any rehab provider or substance abuse specialist within the network. For example, if you find a long-term inpatient facility on the other side of the country, but it is in your network, you are free to use them.

United Healthcare Choice Plus

The Choice Plus plan takes the benefits of the Choice account, but includes the added benefit of being able to receive limited out-of-network coverage. If you find an outpatient facility with a practitioner that you really seem to work well with, but they are outside the network, you can pursue treatment and receive at least partial coverage.

Health Reimbursement Account

The HRA account is a savings account run by your employer that allows you to save money for certain medical expenses, such as paying off your deductible. These plans work well with high deductible plans and allow you to save the money tax free and roll it over yearly so you can save for rehab in advance.

Health Savings Account

The Health Savings Account is similar to the Health Reimbursement Account, except that you own this account and control the contributions. This is a wonderful way to put away some money to cover potential rehab expenses, such as: certain holistic treatments; additional dialectical behavior treatment after coming home; or the out-of-pocket expenses anticipated with standard inpatient treatment.

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Navigate was designed to help save people money while still providing access to great care. You have to choose a primary care physician who will be responsible for coordinating your care. Since you visit with this practitioner regularly, it will be beneficial for you to speak with them before you enter rehab. They guide you through the maze of rehab options so that you can find the facilities, therapy techniques, and practitioners that will best fit you and your needs.

This physician can help provide you with advice about whether or not you need inpatient or outpatient care, as well as whether or not you should begin with a detox program. As you prepare to enter rehab, they can then recommend specialists that will help guide you through the rest of your journey. Coverage under this plan must be provided within the network.

Signature Value

The Signature Value plan is and HMO/MCO plan. Under this plan, you will be required to work with a primary care physician to coordinate your care with substance abuse specialists. This plan has a unique benefit in that you do not have to meet an annual deductible on most plans within this category. You will have a co-payment when you visit a doctor, but you do not have to wait until you have paid a certain amount of money for your benefits to start kicking in. This can save people time and money by helping them budget and more reliably predict out-of-pocket costs for rehab treatments.

United Healthcare Options Non-Differential PPO

The Non-Differential PPO is for those who are outside the standard network for United Healthcare PPO. You will receive reimbursement at a single coinsurance level. Since you are not required to use a network doctor, you can see practitioners and therapists independently. You can track down a licensed therapist who uses a holistic approach that you really appreciate or find a doctor who specializes in helping people with your particular substance.

Being familiar with individual health plans can help people in need of substance abuse coverage make the optimal decisions about their treatment and how to find the best providers for the lowest cost. People interested in pursuing care should review their policy and check with an insurance agent to make sure they understand how the policy will impact their treatment.


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