United Healthcare Rehabs In Washington, DC – Insurance Coverage
For people preparing to enter rehab, insurance coverage can be a very important consideration. Insurance coverage, such as that offered by United Healthcare, can help ease the financial burden and stress of proper treatment. Know what is covered before pursuing treatment can also help people suffering from addiction and their loved ones sort through the care options available to find the ones that will best fit their needs under the plan.
United Healthcare In Washington, D.C.
For those struggling with substance abuse in the District of Columbia, United Healthcare is one of the insurance providers available for residents. There are two types of network coverage available on the plan: Nationwide In-Network and DC Metro In-Network. The plans are then further divided into Platinum, Gold, Silver, and Bronze classifications. The levels of coverage create different costs for the plan, as well as the size of the deductible. There may also be some differences in the types of care provided, which should carefully investigate with the help of their insurance representative.
Understanding Substance Abuse Coverage Under United Healthcare In Washington, D.C.
Here is an overview of the substance abuse coverage available for each type of United Healthcare plan. Each plan should be carefully reviewed before making decisions.
Platinum Plans
For those receiving outpatient and outpatient services, the services will be largely covered if you use an in- network provider. Some platinum plans will require a co-pay or co-insurance costs, but will cover the majority of the total. Most of the plans will require them to first meet their deductible.
For services provided by a non-network provider, some platinum plans will cover treatment to a lesser degree, such as requiring 30 percent co-insurance after a deductible, while others will not cover it at all. Some types of alternate care, such as acupuncture, can also be covered under these plans. This can help people suffering from addiction receive the holistic care they need to progress. This will help them receive both the long-term and short-term care that they need to begin their path towards recovery.
Gold Plans
Gold plans also generally coffer substance abuse treatment. It is also common for plans to cover most of the treatment once the deductible has been met– when using an in-network provider. This means they can receive the detox and therapy they need as long as the provider has been authorized. If the provider is considered outside the network, however, the coverage will be reduced or not covered at all, depending upon the plan. Some forms of holistic and alternative treatments, including acupuncture and chiropractors, can sometimes be covered.
Silver Plans
As people who suffer from addiction progress down the list of coverage, it is important to note that the deductibles often increase. Like the other plans, those with a Silver Plan must often meet this deductible. You can still receive coverage for most of their care when they see in-network providers. Non-network providers are generally not covered. Co-insurance is expected for many of the silver network plans. Since access to some alternate therapies are still offered, they should speak with their insurance agent about the types of holistic care that might be covered in addition to the standard types of treatment and therapy.
Bronze Plans
Bronze plans tend to have much higher deductibles. Non-network providers are generally not covered. Since the deductible is so much higher, it is also more common for the plans to offer coverage with 0 percent co-insurance after the deductible has been met. Other plans, however, have daily co-pays ranging from $40 to $500.
With the $500 a day co-pay, there is often a maximum of $2,500 per admission. This type of coverage will require people recovering from addiction and their loved ones to pay more out -of-pocket, but will still provide them with more controlled costs than going out-of-network. In this way, they can receive the treatment and therapies they need.
Those struggling with substance abuse problems know that proper insurance coverage can help them get the care they need to begin taking steps towards health. This insurance can help alleviate some of the costs associated with treatment. To receive this benefit, however, they must be familiar with what is covered by their plan, including the providers included in the network. They should review the above information and find the in-network providers that can help them receive the help they need.
