United Healthcare Rehabs In Oregon – Insurance Coverage

September 30, 2019

For substance abuse patients in Oregon, nothing is more important than finding the right care. Patients and their loved ones must consider a number of different factors about the patient’s disease such as the duration and severity of it when considering the right care.

Another factor that requires consideration is  the cost. Most people do not have the resources available to pay for the substantial care that many people need to begin taking steps towards a healthier lifestyle. Fortunately, most insurance plans now cover some form of mental health and substance abuse treatment, but every plan has some differences. Patients in Oregon must consider what their exact plan offers and how that aligns with the type of care they want to receive.

United Healthcare Substance Abuse Coverage in Oregon

Patients in Oregon have access to many different insurance plans. Here is an overview of the types of plans.

Flexpoint

The FlexPoint Plan gives you access to a nationwide network, meaning you can pursue care anywhere with their more than 750,000 physicians. You have a copayment for many different services and your substance abuse coverage applies to you deductible and coinsurance. Your outpatient rehab is also limited to 30 visits a year.

United Healthcare Catalyst

The catalyst plan is a high deductible option that comes with a pre-deductible allowance that can be used for regular care. Typical deductibles range from $3,000 to $5,000 with coinsurance options. This plan might make receiving substance abuse treatment a bit more expensive since it might not be considered routine care. Patients should consider budgeting for their deductible when finding the right treatment center.

United Healthcare Choice

This is an open access plan that gives you access to the national United Healthcare network. To receive benefits, you must use providers that are in network. The nationwide network, however, will make it easy for you to access providers anywhere in the country, even if you find the perfect long-term treatment center a thousand miles away.

United Healthcare Choice Plus

With a Choice Plus plan, you not only have access to the network that has been screened by the company, but if you choose to go outside the network, you will also receive coverage. Though this coverage will not be as high as it would be if you stayed in network, it will give you much more flexibility should you find a fantastic facility, such as a short-term care rehab, that is out of network.

Health Savings Account

A Health Savings Account is one that you own and where you make contributions. It is paired with a high deductible account. The savings you accumulate can then be used to pay off out-of-pocket expenses, such as the deductible. It may also be helpful for covering various holistic therapies or after-care.

Health Reimbursement Account

A Health Reimbursement Account is owned by the employer, who can set guidelines about contributions. These accounts can also be used to help relieve out-of-pocket expenses resulting from medical treatment. Unused funds can be rolled over to the next year.

Navigate

The Navigate plan has patients work with a primary care physician to coordinate their care, which can help you sort through the variety of treatment options and find the one that will best fit your needs.

United Healthcare Multi-Choice

The Multi-Choice plan gives employers the opportunity to customize coverage for their employees. It is important to note that all plans under the Affordable Care Act must include coverage for mental health and substance abuse services.

United Healthcare Options Non-Differential PPO

If you are outside the standard access area for United Healthcare PPO service, then the Non-Differential PPO plan can help you receive care and reimbursement at a single coinsurance level. While you can go outside the network, your savings will be lower. This can help you find the provider that works best for your needs, regardless of the location or network.

United Healthcare SignatureValue Plan

Under the United Healthcare SignatureValue Plan, you will work with a primary care physician who will help you coordinate your care and find the providers that are best equipped to meet your needs. Most plans under this category do not have a deductible but do require a copayment for most services.  This can help you budget for the treatment since you will have a firm idea of how much each part of the care will cost.

Tiered Benefits

Tiered Benefits programs give you access to the Tier-1 physicians in the United Healthcare network, helping you identify the most capable practitioners. In rehab, finding experienced providers can make an enormous difference in the quality of the cognitive behavioral therapy, dialectical behavioral therapy or other types of therapies and treatments received.

For Oregon substance abuse patients, the right insurance can help people make wise decisions about the treatment and care received, avoiding unnecessary financial burdens. Use the information provided to guide decisions and always speak with an insurance representative before making major medical decisions.