United Healthcare Rehabs In Virginia – Insurance Coverage
Insurance is an important consideration for those struggling with substance abuse issues. Treatment, from detox, rehab, and aftercare, can be long and involved. Patients often need access to a variety of different types of therapy, such as cognitive behavior therapy and holistic therapies. All of these factors contribute to rising costs for people suffering from addiction and their loved ones.
Fortunately, insurance coverage, such as that from companies like United Healthcare, should provide people with some degree of coverage for substance abuse treatment. When people and their loved ones are familiar with the types of treatment offered and what they can expect to pay, they will have a much easier time selecting the treatment that will suit them best.
United Healthcare for Substance Abuse Issues In Virginia
For patients in Virginia, United Healthcare offers a variety of plans and coverage. Each varies based on the guidelines it uses to determine the level of coverage for medical needs. There are also differences with regards to the use of out-of-network professionals. With each plan, there are also different levels of coverage that describe the plan costs and the price of the deductible. Here is what all patients should know about United Healthcare plans in Virginia.
United Healthcare Choice
If you have a plan classified as United Healthcare Choice, you are allowed to choose any professional within the nationwide United Healthcare network. You can see specialists without a referral, which can help you access the substance abuse therapies needed. You will be responsible for fixed dollar co-payments for easier budgeting.
United Healthcare Choice Plus
This plan is very similar to the United Healthcare Choice plan. The biggest difference is that you have access to out-of-network providers. While the benefits will be lower than with an in-network provider, you will not have to pay entirely of pocket should you chose a facility or provider out of network.
OCI HMO
The OCI HMO plan contains more than 33,000 doctors in network in Delaware, Maryland, Virginia, West Virginia, and Washington, D.C. You can work with a primary care physician to coordinate your care and must deal with the local, in-network doctors.
OCI Preferred POS
Under the OCI Preferred plan, you will designate a primary care physician who can help you coordinate your care. You will have predictable payments and the benefits that come with working with a professional when determining the best treatment for a substance abuse problem.
United Healthcare Heritage
This plan gives you access to the nationwide network, making it easier to find a facility and professionals who can meet your needs. It is combined with programs to encourage healthy living, which can help complement the rest of your rehab therapy and work.
United Healthcare Edge
With an Edge plan, you will work with a United Healthcare network provider without the need for a referral. This means you can find your own in-network specialists. For example, if you find a dialectical behavior therapist or a long-term care facility that you like, you can seek help immediately without getting a referral first.
Tiered Benefits
With a Tiered Benefits plan, patients pay less when they use the United Health Premium Tier 1 physicians, which helps you find the ones that have been shown to provide value. You can also see specialists without a referral, which allows you to enter detox without consulting with a primary care physician first.
United Healthcare Catalyst
This is a high deductible plan with a pre-deductible allowance that can be used for routine care and often works with co-insurance options. This plan can help you go through treatment without major financial problems, particularly when paired with a health savings account or health reimbursement account.
United Healthcare Options PPO
This is structured after a traditional health plan. Patients have co-payments, coinsurance options, and deductibles. You have access to a nationwide network, allowing you to go through a destination rehab or otherwise find the best provider.
United Healthcare Options Non-Differential PPO
If you are outside the standard United Healthcare PPO network service area, then this plan can help you get reimbursements at a single coinsurance level. You can choose in-network and out-of-network providers, but in-network providers have higher benefits. This will give you greater flexibility in your choice of facility, provider, and treatment.
Health Savings Account
A health savings account is owned by you, allowing you to make contributions periodically. When the need arises, such as yourself or a loved one entering rehab, this money can then be put to use to help cover the costs, such as those that arise from a high deductible.
Health Reimbursement Account
This is an account owned by your employer. If you do not use all the funds reserved in it, you can roll it over to the next year. This makes it easy for you to accumulate health savings that can then be used to help cover the cost of treatment.
Insurance is an important consideration for all substance abuse patients. It can help relieve the financial stress of seeking treatment and help all patients take that first enormous step towards recovery.
