United Healthcare Rehabs In West Virginia – Insurance Coverage
Abusing drugs or alcohol alters personal reactions and beliefs. It causes individuals to behave in self-destructive and dangerous ways. When a dependent loved one shows signs of a mental health disorder, substance abuse or co-occurring disorders in West Virginia, understanding the details of a United Healthcare policy helps determine the options available for treatment and recovery.
Coverage Options In West Virginia
The coverage options in West Virginia depend on the goals and preferences of an employer. United Healthcare offers group policies for employers that help individuals and families work on improving their health or manage any complications that arise.
Individuals can usually choose from Bronze, Silver, or Gold policies. In most cases, the policies allow individuals to seek treatment for mental health disorders or substance use disorders, but the details and coverage options vary between specific plans. Generally, a Bronze policy offers the lowest rates, but it also has higher out-of-pocket expenses and lower coverage. Silver policies offer average rates and deductibles with reasonable coverage. Gold policies usually offer a greater amount of coverage and lower out-of-pocket expenses for treatment, but it also has the highest monthly cost.
In some cases, the policy requires that individuals obtain a referral from a primary care doctor before seeking treatment for any mental health disorder or substance use disorder. Depending on the policy, the coverage usually pays for a percentage of the treatment costs or the majority of treatment after paying the deductible. Most policies require a stated co-payment for addiction treatment, but the exact rates vary.
Selecting A Rehab Center
By focusing on in-network treatment facilities, rather than out-of-network programs, individuals usually pay less for treatment. In most cases, out-of-network facilities cost more because the policy has a higher co-insurance rate for the treatment programs. Some policies do not cover out-of-network facilities.
Some policies exclude specific treatments, such as acupuncture or massage therapy, so focus on evidence-based treatments or traditional treatment programs. Traditional treatments focus on group therapy, family therapy, and counseling services that help identify and address the underlying causes of an addiction. Evidence-based treatments include medical treatments for physical or mental health ailments, cognitive-behavioral therapies, or related psychological treatments that show positive recovery results when studied in a medical setting.
Focus on treatment programs that offer a personalized treatment plan and a variety of tools and options to help with recovery. Ideally, the program will also offer detox services to remove the substance from the body without taking unnecessary health risks and it will offer aftercare services to help individuals transition into a healthy lifestyle.
In-patient and out-patient programs offer different advantages, so opt for a program that works well with a personal schedule or situation. For example, seek out-patient treatment when an employer limits time available for treatment or personal obligations require an individual to stay at home. Opt for in-patient or residential care when previous treatment options have not worked.
Pay particular attention to the limitations in the insurance policy before seeking treatment. Some policies limit treatment duration, such as covering 30 days of in-patient treatment or a set number of out-patient treatment sessions in a one year period, so evaluate the details of the plan and any exclusions before seeking treatment in a rehab center.
Finding A Program In West Virginia
Treating addiction and mental health disorders in West Virginia requires the right rehab center and treatment program. By working with professionals to recover from substance abuse, individuals improve their health and start making positive changes. For more information, use the tools at RehabCenter.net today.