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United Healthcare Health Insurance for Drug and Alcohol Rehab in California

 

 

UnitedHealth Group is a large health insurance provider comprised of two companies—United Healthcare and Optum. UnitedHealth Group insurance typically covers substance abuse treatment behavioral health services in California. Insurance coverage can vary in range depending on the member’s plan. In California are different drug rehab centers that accept UnitedHealth Group insurance. The exact benefits and coverage offered depend on the policy. It is important to speak with the insurance carrier and drug rehabilitation programs in California. Typically, United Healthcare offers three levels of care. UnitedHealthcare Choice provides in-network coverage with numerous providers, and there is no coverage for out-of-network providers.

UnitedHealthcare Choice Plus offers cost savings to stay in the UnitedHealthcare network, but it provides less coverage for out-of-network. UnitedHealthcare Options Preferred Provider Organization offers savings for out-of-pocket costs when using a member of the preferred provider network. Drug rehabilitation with health insurance is the same process as being admitted with no health insurance. The first step is drug detox, and this step manages withdrawal cravings and symptoms. Typically, the severity of withdrawal and associated addiction determine what drug detox form is needed. Following drug detox, the next step involves attending a residential or outpatient drug rehab program. Like drug detox, the severity and extent of addiction determine whether residential or outpatient drug rehab is needed.

 

How Does Private Health Insurance Cover Drug Rehab in California?

To check what health insurance benefits are offered for substance abuse treatment under a health insurance plan, the family would contact the United Healthcare provider. Typically, the health insurance companies website lists what services are covered. Different health insurance options in California through United Healthcare determine how health insurance is used to pay for drug rehab. When someone is admitted to a drug rehab center in California that is in the network, there is usually a copayment or coinsurance. Also, out-of-network drug rehab centers typically require 50% coinsurance after the deductible. There are Health Maintenance Organization plans that do not have out-of-network coverage, which could limit options for the family.

Some plans with United Healthcare generally charge copays for inpatient and outpatient drug rehab at the platinum and gold levels. Also, some plans may indicate there is a copay due upon admission, while others have them due every day. United Healthcare insurance plans may also indicate 4 to 5 day limits on residential care per stay, while silver and bronze plans use copays or coinsurance. The first step is to contact the health insurance provider and the drug rehab center. Many families cannot afford drug rehab and must rely on health insurance to cover some of the costs. When searching for drug rehab options in California, an addiction assessment can help the family determine what drug rehab options they need. The purpose of an assessment is to find out the extent of addiction and recommended drug rehab based on the needs of the addict.  

 

What Type of Drug Rehab Does Health Insurance Cover in California?

United Healthcare insurance in California covers different drug rehab options. Drug detoxification is part of the coverage; however, not all people struggling with addiction qualify for it. Typically, the severity of withdrawal symptoms and associated addiction determine what type of detox is needed. Medically supervised detox is used to treat alcohol addiction, opioid addiction, or severe prescription drug addiction. Standard detox programs manage less severe forms of addiction and are usually part of a drug or alcohol rehabilitation center. United Healthcare insurance also covers residential drug rehab, and typically there is a coinsurance payment option. A residential drug rehab is an excellent option for someone with a lengthy history of addiction. Outpatient drug rehab is also covered, and these options are good for addicts that are unable to commit to residential drug rehab. Health insurance also covers different therapy forms, like family therapy, group counseling, and individual therapy.

 

Family Intervention for Drug Addiction in California

Drug and alcohol addiction impact every family differently, yet most families struggle to get their drug-addicted loved ones the help they need. Once a family has found a drug rehab center through United Healthcare insurance plans, the next step would be to organize a family intervention. An intervention motivates the drug-addicted family to accept help. It is challenging to watch someone struggling with addiction and not be able to help them. The best way to organize a family intervention in California is by hiring a professional interventionist. Someone who struggles with drug addiction is often in denial about their situation and unwilling to seek treatment. Moreover, they may not recognize the negative effects their behavior has on themselves and others.

Family intervention is a carefully planned process that is done with family, friends, and an interventionist. During a professional intervention, these individuals come together to confront the drug-addicted loved one and convince them to get help. A family intervention involves the participants providing specific examples of destructive behavior and their impact on the addict and their family. Also, the process offers prearranged treatment plans with clear steps, goals, and guidelines. The professional interventionist spells out for the family what each person will do if the drug-addicted loved one refused to accept drug rehab. Family intervention is a successful process, and with the help of an interventionist, the family can once again regain control.

 

Health Insurance for Drug Rehab and Drug Addiction Trends in California

In California, 0.8 million people are enrolled in United Healthcare group employee health insurance plans through the private sector. Through the United Healthcare public plans, over 432,000 people are enrolled. Overall, in California, around 2.8 million people are uninsured. Unfortunately, drug and alcohol addiction in California impacts every age group. Between 2015 and 2016, 15% of the population aged 18 to 25 struggled with substance abuse. Also, around 10.6% of this age group had an alcohol addiction, 7.9% had a drug addiction, and 0.9% struggle with a pain medication addiction. 

 

Sources-

California Health Care Foundation. Health Insurance in California: A Recent History. December 2018.  https://www.chcf.org/publication/health-insurance-california-recent-history/

California Health Care Foundation. Substance Use in California: A look at Addiction and Treatment. October 2018. https://www.chcf.org/wp-content/uploads/2018/09/SubstanceUseDisorderAlmanac2018.pdf