Using United Healthcare to Pay for Drug Rehab at CVRC

If you have UnitedHealthcare and need professional addiction treatment, you may be wondering about your options. In fact, you may not even be aware that you can use health insurance to pay for rehab. At Crest View Recovery Center in Asheville, North Carolina, we work with major insurance providers like UnitedHealthcare to help you or your loved one achieve sobriety.

Does My United Healthcare Insurance Policy Cover Rehab?

While you might not know it, your insurance policy might cover your rehab stay in full. If you have a United Healthcare policy and are in need to drug or alcohol rehab, we want to help you. United Healthcare is one of the largest insurance companies in the United States. As a result, many of its insurance plans cover treatment for drug or alcohol addiction. In fact, at Crest View Recovery Center we have dealt with many patients that have a United Healthcare policy just like yours.

Will My Insurance Cover Detox as Well?

In many cases, before beginning treatment, you will need to undergo detox. While a stay at a facility isn’t required to undergo detox, it is highly recommended in order to be properly monitored by medical professionals. Depending on your insurance plan, your stay at a detox facility will be at least partially covered whether it’s inpatient our outpatient.

We know that going through detox and rehab can be a stressful and uneasy time in your life. You don’t need to also stress out about your insurance plan. At Crest View Recovery Center we will work with both you and your insurance company in order to make sure that you can afford the treatment and detox programs that work best for you.

Why Do Insurance Providers Like United Healthcare Cover Your Addiction Treatment?

When President Obama signed the Affordable Care Act (ACA) in 2010, it changed the entire healthcare industry landscape. It also made paying for rehab much easier. The doctrine properly identified addiction as a legitimate mental illness. Just as important, it also recognized addiction as a pre-existing condition. Therefore, insurance providers like UnitedHealthcare—which services around 70 million individuals in our country—have to comply with regulations and cover at least a portion of you or your loved one’s treatment.

It’s important that you check the provisions of your company’s group policy to determine exactly what they’ll cover. However, CVRC provides assistance in making sure you get the most coverage possible.

Why Is It Important to Use Your United Healthcare Drug Rehab Coverage at a High-Quality Facility?

While most facilities accept some form of insurance, keep in mind that not all facilities are created equally. Some treatment centers claim to be unique. In reality, many of them offer a universal, “one-size-fits-all” approach. Settling for the wrong treatment facility can actually cause more harm than good, leaving you prone to relapse shortly after treatment.

At CVRC, we realize that no two individuals seeking addiction recovery are the same. During the intake process, our admission staff takes the time to get to know every single client. We gather extensive background information, including addiction, family, and overall physical and mental health history to formulate the right plan for you or your loved one.

At CVRC, we also rely heavily on a reality-based therapy model. Our substance abuse programs put individuals in real-world experiences so that they can learn how to cope with life on life’s terms. When combined with evidence-based therapeutic modalities, it gives clients the best chance at achieving lasting sobriety.

What is the Difference Between In-Network and Out-of-Network Facilities?

While when it comes to seeing a doctor or other medical professional, you are typically required to see an in-network person in order to have your visit covered by insurance. When it comes to rehab and treatment though, making sure you go to an in-network facility isn’t nearly as important.

An in-network facility is a facility that directly partners with your insurance company. Typically, if you go to an in-network facility your costs may be fully covered by insurance or you might only be required to pay a very small fee. An out-of-network facility is a facility that doesn’t have any sort of partnership or agreement with your insurance company. While typically going to an out-of-network facility can result in a higher out-of-pocket expense, that is not always the case. It is important to speak with your insurance representative to find out what costs you may be responsible for should you use an out-of-network facility.

How Do I Know What My Benefits Are?

When it comes to understanding your coverage as far as rehab goes, the most important thing to look for in your plan is an MNRP. A Maximum Non-Network Reimbursement Program (MNRP) is a Medicare-based reimbursement program. This can play a huge roll in how much you will have to pay in out-of-pocket expenses, if any. With a MNRP, United Healthcare will reimburse non-network expenses according to Medicare’s cost-based payment methodology. As a result, reimbursement for non-emergency treatment is a percentage of the published rates allowed by Medicare for the same or similar services.

Not all United Healthcare policies include a MNRP so it is important to know what exactly your policy covers and allows for. At Crest View Recovery Center, we want to make sure that you get the help you need. We will work with both you and your insurance company to make sure that you can afford your treatment.

Why It’s Important to Use Your United Healthcare Drug Rehab Coverage at a High-Quality Facility

While most facilities accept some form of insurance, keep in mind that not all facilities are created equally. Some treatment centers claim to be unique. In reality, many of them offer a universal, “one-size-fits-all” approach. Settling for the wrong treatment facility can actually cause more harm than good, leaving you prone to relapse shortly after treatment.

At CVRC, we realize that no two individuals seeking addiction recovery are the same. During the intake process, our admission staff takes the time to get to know every single client. We gather extensive background information, including addiction, family, and overall physical and mental health history to formulate the right plan for you or your loved one.

At CVRC, we also rely heavily on a reality-based therapy model. Our substance abuse programs put individuals in real-world experiences so that they can learn how to cope with life on life’s terms. When combined with evidence-based therapeutic modalities, it gives clients the best chance at achieving lasting sobriety.

Don’t let the financial burden stop you from seeking change. Call Crest View Recovery Center today at 866.327.2505 to verify your United Healthcare drug rehab coverage today.

Call Crest View Recovery Center for premier, compassionate addiction recovery.

Article Reviewed by Patrice Wishon, LCSW, LCAS, CCS

Patrice Wishon, LCSW, LCAS, CCSPatrice has over 30 years experience working in social work and mental health/substance abuse counseling. She received her Master’s degree from UNC-Chapel Hill and has worked in a variety of settings, including community-based outpatient, hospital and classroom settings. Patrice specializes in substance abuse treatment, trauma and women’s issues.