United Healthcare Rehabs In Arkansas – Insurance Coverage
In Arkansas you have access to healthcare coverage via United Healthcare, which can benefit you if you are going into drug rehab. Before you sign on to enter a treatment facility, you need to verify that your health insurance coverage is going to cover your expenses. You will usually have to pay either a co-pay or a percentage of the cost per treatment.
Understanding which plan you have is vital before going into rehab. After all, you want to be able to go through detox and rehab and having a ton of medical bills hanging over your head is only going to create undue stress.
Health Reimbursement Account
The Health Reimbursement Account via United Healthcare is a group or employer-offered plan that lets you invest money in a personal savings account. With this coverage, your employer will own the account. In order to access your health savings, you will need to contact your plan manager, a role typically taken by human resources.
Please note that if you leave your job, your account cannot be transferred even if the new employer is in the United Healthcare system. As for your money, whatever amount of money you haven’t used within the end of the year will carry over to the next year. Make sure to keep a record of your savings amounts, as well as copies of your Health Reimbursement Account statements to verify approximately how much money you have available.
United Healthcare Choice
If you prefer to maintain autonomy over your health insurance coverage, the United Healthcare Choice plan might be a more suitable option. Under this plan you have the standard fixed co-pay and coinsurance options. Using co-pay allows you to pay less out of pocket for your care. Keep in mind the higher your monthly insurance coverage, the lower your deductible.
If you plan to use the coinsurance option for your drug and alcohol treatments and ongoing therapies, you will want to get the lowest deductible possible. This can also help you pay less out of pocket after you’ve met your deductible.
Other Notable Benefits
Under the United Healthcare plans, you will receive coverage for daily hospital care, as long as you choose the most common semiprivate room available. If you are placed in an intensive care unit for complications related to your drug and alcohol use or detoxification process, these costs are typically eligible for coverage. As a person in inpatient treatment for substance use, your expenses for operating and recovery rooms are included in your insurance plan. Any medical supplies, related services, or medications that are provided solely for inpatients will also be covered.
If you go into the hospital for emergency treatment, you must seek treatment for the illness that sent you into the ER. For example, you are experiencing withdrawal symptoms from drugs or alcohol in an emergency room, but you are also treated for other medical problems, such as appendicitis or emphysema. Those other medical problems besides your withdrawal symptoms will not be covered under United Healthcare plans.
As long as you are aware of the limitations of your insurance coverage, you will have information you need to make the best decisions regarding your treatment and aftercare for drug and alcohol dependence.
