If you or a loved one struggles with stress, anxiety, depression, and isolation, you’re not alone. Do you turn to drugs or alcohol to cope with these struggles? Again, you’re not alone. But, if you have UnitedHealthcare, your behavioral health treatment may be covered.
Sana Lake Behavioral Wellness Center is contracted with UnitedHealthcare. This means that we have a set price for treatment. It also means that depending on a member’s policy, their out-of-pocket cost will be minimal.
Behavioral health treatment includes mental health with a focus on the member’s behaviors. This treatment includes substance use disorder. With almost 1 in 5 American adults struggling with behavioral health issues, chronic and comprehensive treatment is vital.
Founded in 1977, UnitedHealthcare is a parent company of Charted Meds Inc.Their model is “using the best practices in medical care and best thinking in business management to improve the health of patients while strengthening the health care system.” This model is an integral part of their heritage. UnitedHealthcare is also committed to helping people live healthy lives.
Based out of Minnetonka, Minnesota, UnitedHealthcare has around 49 million members. This number includes Medicare Advantage. In addition, UnitedHealthcare covers over 6 million international members.
UnitedHealthcare offers 5 types of insurance plans. These plans include:
Integrity – Honor commitments. Never compromise ethics.
Compassion – Walk in the shoes of those we work with and serve.
Relationships – Building trust through collaboration.
Innovation – Learn from the past, invent the future.
Performance – Demonstrate excellence in everything we do.
To ensure members get the best treatment, UnitedHealthcare has a separate division called United Behavioral Health. This division provides members with addiction treatment professionals. However, UnitedHealthcare’s yearly preventative care includes alcohol and drug screening.
Services for substance use disorder typically covered by UnitedHealthcare include:
A PPO policy typically offers a wide range of treatment centers compared to other policies. While some policies also require prior authorization. However, that depends on the services provided and the treatment settings.
The easy answer is no. But, it may cost members more out-of-pocket. UnitedHealthcare, like other insurers, often have higher copays for out-of-network treatment centers. But, depending on a member’s policy, it may not cover out-of-network treatment centers.
Some members may require a detox program. Some substances like alcohol and opioids can be dangerous to detox from. These substances and others can cause life-threatening withdrawal symptoms. However, depending on the policy. Members will get some form of detox coverage.
Coverage for inpatient treatment depends on the UnitedHealthcare plan. It also depends on the state a member lives in. in addition to individual and family plans, UnitedHealthcare also offers short-term medical plans. These plans may also cover the treatment of SUD and mental health disorders.
Many member’s policies help cover SUD treatment. This coverage includes UnitedHealthcare’s short-term plans. The exception to this is the lowest premium plan. This plan is a Short-Term Medical Value. It doesn’t cover SUD treatment. However, the other short-term plans do cover a portion of treatment costs.
UnitedHealthcare’s Short-Term Medical Plus and its more comprehensive plans have a 20-30% deductible. So, after a member pays the deductible, insurance kicks in. But, deductibles can be $1000 to $10,000. However, these policies have a max coverage of $3000. So, members will have to pay the rest.
Outpatient treatment’s coverage through UnitedHealthcare is similar to their inpatient treatment benefits. Short-term plans, the companies lower level plans, offer some help for behavioral health treatment. However, coverage varies, and members will have out-of-pocket expenses.
Short-term plans have a 20-30% copay after the deductible. Also, these plans cover $50 of outpatient doctor visits. With short-term policies, there is a $3000 coverage maximum per person.
A member’s mental health treatment is also part of UnitedHealthcare policies. Members can receive therapy. Therapy helps us understand and cope with mental and behavioral health issues. UnitedHealthcare covers many mental health disorders, including:
It is common for members who struggle with mental health disorders to also struggle with substance use disorder. This is known as dual diagnosis or co-occurring disorders. However, a comprehensive and chronic treatment program can be beneficial.
UnitedHealthcare members can access mental health treatment through their behavioral health benefits. However, depending on the policy, members may have out-of-pocket expenses. Also, UnitedHealthcare plans sometimes require prior authorization.
Co-occurring disorders or dual diagnosis is a combination of addiction and another mental health disorder. If a member struggles with co-occurring alcohol use disorder (AUD) and depression, their treatment may require medication-assisted treatment. UnitedHealthcare offers a Medicare Prescription Drug Plan.
This plan can help cover any medications needed in treatment. For example, a member with depression may benefit from anti-depressants. However, if they also struggle with AUD, they may also benefit from Disulfiram. Therefore, UnitedHealthcare’s drug plan can be beneficial in covering the cost of medications.
Treatment for SUD and mental health disorders is a lifelong journey. So, to ensure members live a life of recovery, UnitedHealthcare plans offer coverage for aftercare programs. Some treatment centers, such as Sana Lake BWC, even offer recovery supportive housing. However, some insurance companies offer their own aftercare programs for members.
There are a variety of aftercare services. Depending on the needs of the member, these services may include individual or group therapy. However, because being around like-minded people is important to recovery, meetings are crucial. Meetings may include Alcoholics Anonymous (AA) or Narcotics Anonymous (NA).
Alternative or holistic therapies in behavioral health treatment can help members cope with the stress that could lead to a recurrence of use. Therapies such as yoga, meditation, and mindfulness help prevent recurrence of use. These treatments may be covered under members’ behavioral health benefits.
Once you have decided to seek treatment, it’s essential to know what coverage you have. Members can call UnitedHealthcare directly and speak to a representative. However, at Sana Lake BWC, we can also get you the most out of your benefits. By reviewing your policy, we can determine:
We understand that saving money is essential. For this reason, we strive to help you get the most of your UnitedHealthcare plan.
Holistic recovery involves traditional and evidence-based alternative therapies. Holistic recovery focuses on healing the “whole person.” As a result, holistic recovery heals the mind, body, and soul.
Our holistic recovery treatment includes individual, group, and medication therapies. It also includes fitness, diet, and art therapies. Over 30% of Americans use holistic therapies. These include meditation, mindfulness, and spirituality.
Our 8 Dimensions of Wellness include:
If you or a loved one struggles with addiction or a mental health disorder, you are not alone. Let us handle all your UnitedHealthcare policy questions. We are contracted with UnitedHealthcare and can help you pay very little out-of-pocket or treatment. What are you waiting for? Contact us today and start your journey to Recovery for Life.