United Healthcare Rehabs In Maine – Insurance Coverage
Abusing drugs or alcohol impacts personal health and emotional well-being. Depending on the substance, it causes complications like paranoia, depression, and anxiety. When a dependent loved one shows signs of a mental health disorder or a substance use disorder, finding the right treatment program provides a chance to work on a healthier lifestyle. United Healthcare insurance coverage in Maine assists with the financial aspects of recovery so that an individual focuses on the long-term goals.
What Is the Coverage In Maine?
Coverage options in Maine ultimately fall into two primary categories: supplemental coverage for Medigap Plans and policies through an employer. The policies from an employer fall into Bronze, Silver, Gold, and Platinum policies. Generally, Bronze policies offer basic coverage and require a higher deductible and out-of-pocket expenses. On the higher end, Platinum policies usually offer more comprehensive coverage and have a lower out-of-pocket expense, but has higher monthly payments.
Silver and Gold policies usually fall in the middle range of price and coverage. Silver policies offer greater coverage than Bronze policies, but have a slightly higher monthly cost. A Gold policy usually offers greater coverage than a Silver policy, but less coverage than a Platinum policy. In most cases, the policies offer some coverage for mental health disorders and addiction.
Supplemental policies for Medigap Plans usually help cover the gaps or limitations in Medicare plans, so that older individuals have greater coverage to manage physical and health concerns, as well as addiction. It works with the current coverage rather than providing full coverage for the situation.
Making The Most Of A Policy
Regardless of the specific insurance policy and level of coverage, United Healthcare plans offer some coverage to help with addiction and mental health disorders. The exact limitations and exclusions vary between policies.
Read the details and look for any therapies or treatments that the policy does not cover. For example, most policies do not cover elective treatments for addiction or mental health disorders, such as acupuncture, massage therapy, music therapy, and similar treatments. In other policies, the exclusions might apply to experimental treatment programs. Experimental programs mean that the medical professional is currently evaluating the treatment plan to determine the actual results and does not yet have information about long-term complications, consequences, or results.
After ensuring that a treatment program complies with any policy standards and does not require excluded services, evaluate the network standards. Some policies from United Healthcare allow individuals to seek treatment without a referral as long as the facility falls into the network. It does not always cover out-of-network treatment programs or it covers a smaller portion of the costs when seeking treatment in an out-of-network facility.
Effective treatment programs offer personalized plans and work with evidence-based treatment options. Ideally, a program will offer cognitive-behavioral therapy, counseling services, holistic treatments, and group therapy as part of the recovery process. Other types of treatments depend on personal health, so a program might offer treatments for co-occurring disorders or physical ailments that stem from substance abuse. Programs that offer a medically supervised detox program also help limit the health risks associated with detoxification.
Finding The Right Program
Using insurance to start the search for appropriate programs ensures that an individual has the right information to start making positive changes and healthier decisions. For more details about treatment options in Maine or insurance policies, use the tools at RehabCenter.net.
