The opioid epidemic has affected millions of people from all walks of life. Opioids are a class of highly addictive illegal and prescription drugs, including heroin, fentanyl, oxycodone, and morphine.^{1 what are opioids?} In 2020, opioids were responsible for nearly 75% of drug overdoses and continue to pose a significant health crisis in our nation.^{2 Intro}

With use increasing fivefold since 1999, the epidemic has seen 3 waves. The first began with the overprescription of opioids in 1999, leading to a rise in heroin overdoses in 2010.^{2 Three Waves of Opioid Overdose Deaths} Today, synthetic opioids like fentanyl and tramadol are commonly responsible for most opioid overdoses and deaths.^{2 Three Waves of Opioid Overdose Deaths}

Many organizations and providers have taken the initiative to address the opioid epidemic, including UnitedHealthcare (UHC). They fight to tackle the opioid epidemic from all angles with a comprehensive strategy focusing on preventing opioid misuse and addiction through partnering with healthcare providers and communities and developing tailored treatments to support long-term recovery.^{3 opioids}

The highly addictive nature of opioids can make addiction hard to overcome, but winning the battle against opioid abuse is very possible. If you or someone you love is struggling with opioid addiction, help is out there. UnitedHealthcare (UHC) healthcare plans provide access to thousands of in-network rehab centers nationwide. Depending on your specific plan, some, if not all, of the costs for rehab could be covered.

What Does United Healthcare (UHC) Insurance Cover for Opioid Treatment?

UnitedHealthcare insurance provides access to various options for opioid treatment. A portion of the cost for treatment will likely be covered depending on different factors like your specific plan, location, and the services needed.

Everyone’s needs are unique, but recovery commonly requires a combination of treatments like medication-assisted therapy (MAT) and behavioral therapies to properly overcome opioid addiction.^{4 Recovery is possible} Common treatment options covered under many UHC healthcare plans include:

Screenings and interventions: Interventions and drug screening tests are used to diagnose and assess addiction initially. When first seeking treatment, a mental health provider will run assessments to better understand the severity of your addiction and recommend the best methods for effective treatment.^{5 How are behavioral therapies used to treat drug addiction?}
Medical detox: When a person stops using opioids, their body goes through detoxification, which is the process of eliminating harmful substances. Detox is vital for opioid addiction since many medications administered during treatment aren’t effective unless the patient has completely detoxed from opioids.^{5 opioids} Healthcare professionals can help patients through detox by providing certain medications to stop cravings and aid in the withdrawal process.^{5 How are behavioral therapies used to treat drug addiction?}
Inpatient and residential rehab: Inpatient and residential rehab can be helpful for severe addictions. They provide a safe space for you to live while in recovery where you can take a break from your daily responsibilities to completely focus on getting better. You’ll focus on developing healthy coping skills to better handle stressful situations and promote long-term recovery. Many standard programs last between 30 to 90 days, but some offer longer stays, from 6 months to 1 year. ^{5 How are behavioral therapies used to treat drug addiction?}
Outpatient rehab: Outpatient programs are a great choice for treating mild to moderate addictions. Many outpatient programs include similar treatments to inpatient rehabs, like medical detox and behavioral therapies, and focus on building coping skills to fight addiction triggers and prevent relapse. The main difference is you can continue living at home and still tend to daily obligations like work and family.^{5 How are behavioral therapies used to treat drug addiction?}
Behavioral therapies: Behavioral interventions are often used in combination with medication to effectively treat opioid addiction.^{4 Recovery is possible} Cognitive-behavioral therapy (CBT) is effective in treating substance use disorder by helping patients understand what triggers drug use and how to change those behaviors.^{5 How are behavioral therapies used to treat drug addiction?}
Treatment for co-occurring disorders: It’s common for someone to suffer from addiction along with a mental health illness.^{6 intro} Co-occurring disorders or a “dual diagnosis” are thought to occur in 2 different ways. Excessive, prolonged drug use can cause the development of a mental health disorder over time. Substance abuse issues can also arise through self-medication of mental health disorders. Either way, for the most efficient results, professionals recommend treatment in a mental health facility to tackle both issues simultaneously.^{6 Does One Cause The Other? + What Should I Do?}

UnitedHealthcare has been addressing the opioid epidemic by expanding its MAT network to provide access to evidence-based treatment options nationwide and connecting members with resources and tools to support long-term recovery.^{7 TREAT opioid addiction as a chronic medical condition}

They’ve also conducted substantial research on alternative methods for pain management and dental care that reduces the need for opioids. Coverage by UHC for opioid rehab centers is available nationwide, and over 90% of UnitedHealth Group members are within 20 miles of a MAT provider.^{7 TREAT opioid addiction as a chronic medical condition}

What United Healthcare (UHC) does not cover for Opioid Treatment?

Similar to most insurance providers, UHC healthcare plans have certain limits to the amount of coverage they provide for supplemental services. Standard evidence-based treatments like pharmacotherapy and psychotherapy are often covered under your UHC insurance plan, but additional services will likely require out-of-pocket costs.

Many luxury rehab facilities take a holistic approach to treating addiction, providing mental, physical, spiritual, and emotional support that addresses a person as a whole. Non-medical treatment amenities like recreation programs, holistic care, private treatment services, and alternative therapies can help treat addiction, but most aren’t covered under UnitedHealthcare insurance.

How Much Does Opioid Rehab Cost?

The cost of opioid rehab varies based on many factors, such as whether or not you have insurance, your specific insurance plan, your location, and the treatment services and facility you choose. Seeking treatment in inpatient rehab will likely cost more than outpatient treatment. Treatment in a luxury rehab facility that offers high-end amenities like maid service, spa treatments, and food delivery will likely be substantially more expensive than a standard residential rehab.

Another contributing factor to how much opioid rehab will cost is the duration and intensity of services you require. Everyone is different, and no one treatment will work for all. Individualized treatments that address your specific needs are the most effective.^{5 Points to remember} Because of this, mental health professionals will recommend specific treatments and durations that meet you where you are in recovery and are most beneficial to your long-term sobriety. As you spend more time in treatment, costs can continue to increase.

The following costs are estimates based on costs reported by different rehab facilities. It’s best to contact the rehab center you’re interested in attending to find out specific costs.

Cost of Inpatient Opioid Rehab

A 30-day inpatient opioid rehab program costs about $6,000. Luxury and highly acclaimed facilities can cost up to $20,000 for a 30-day program. The average cost varies widely from $12,000 to $60,000 for 60- to 90-day stays.

Cost of Outpatient Opioid Rehab

Outpatient rehab is relatively cheaper than inpatient rehab and is useful for mild to moderate opioid addictions. For a 3-month program, you can expect to pay about $5,000, but some well-renowned programs can cost up to $10,000. How long you attend the facility and how often will also determine the price.

Cost of Opioid Partial Hospitalization Programs (PHP)

Partial hospitalization programs (PHP), or day treatment programs, require you to attend daily treatment for multiple hours a day. These facilities are similar to inpatient programs but allow you to remain living at home while in treatment. On average, opioid PHPs cost between $350–$450 per day, but prices can vary depending on the facility you choose and how long you attend.

Cost of Medication-Assisted Treatment (MAT)

MAT is a pillar of treating opioid addiction in conjunction with behavioral therapies.^{4 recovery is possible} It involves administering medications like buprenorphine, methadone, or naltrexone that can prevent withdrawal symptoms, reduce cravings and normalize brain chemistry to aid in preventing relapse.^{4 recovery is possible} Cost varies based on the type of medication and length of treatment, but on average, prices range between $6,000 to $15,000 a year.

United HealthCare Opioid Rehab vs. the Cost of Opioid Addiction

The financial burden of paying for opioid treatment may deter you from seeking the help you need, but the cost of opioid addiction is much more taxing. As with many addictions, opioid abuse can cause you to drain your finances, ruin relationships with loved ones, and take risks that put your life and the lives of others in danger. Addiction can cause significant losses and struggles, like homelessness and legal problems.

In the long run, the cost of addiction is way higher than the cost of treatment. Finances can be a difficult hurdle for many, but there are several ways to receive assistance.

What Length of Opioid Rehab Does United Healthcare (UHC) Cover?

Everyone is different, and some treatments will be more effective than others, but the length of time you spend in treatment can greatly determine the outcome.^{5 Points to Remember} Mental health professionals agree that longer treatment times are the most effective in promoting long-term recovery.^{5 Points to Remember}

Working through the underlying issues that contribute to your addiction doesn’t happen overnight. It’s important to take as much time as you need to focus on your health to set yourself up for a successful long-term recovery and lessen your likelihood of relapse.

You may be curious about how long your UHC insurance policy will cover treatment in opioid rehab. Since there are so many different types of policies and tiers of coverage, the length of time covered by your insurance provider will vary depending on your specific plan. To find out more information on what your plan covers, call the number on the back of your insurance card or reach out to American Addiction Centers (AAC) online or by phone for assistance.

Choosing between United Healthcare (UHC) Inpatient vs. Outpatient Opioid Rehab Centers

Several elements contribute to choosing the best treatment options for you. Mental health professionals agree that individualized treatments are most beneficial in promoting long-term sobriety.^{5 Points to Remember} Other important factors to help you decide the best treatment option include the severity of your addiction and your lifestyle needs.

Outpatient opioid rehab programs may be the best option to start if your addiction is mild or moderate. If your addiction is severe and you feel like you can’t fight it while remaining in your everyday environment, treatment in inpatient rehab could be the best choice.

Inpatient rehab is particularly beneficial for opioid addiction because you receive continuous quality care and 24/7 support from mental health professionals. Opioid addiction can be hard to overcome without constant supervision because of the intensity of withdrawal symptoms and its severe effects on mental health.^{4 Recovery is possible} Inpatient rehab provides a safe environment where you can focus on your recovery and welcome the support you need to get better.

Many inpatient facilities also offer specialized opioid programs where you can participate in support groups along with individual therapy. You’ll be able to form relationships with people who are also in recovery and hold each other accountable as you continue on the road to recovery.

How to Use United Healthcare (UHC) Insurance for Opioid Rehab?

Seeking help for opioid addiction is the first step to getting better. Consult your primary care physician to determine your options and find a suitable rehab facility. Inquire about how to use UHC healthcare plans for opioid rehab. If you want to learn more about what is covered under your specific plan, contact the rehab center you’re interested in and have them verify your coverage for you.

How to Find Opioid Rehabs That Accept United Healthcare (UHC) Insurance

AAC can also assist you with verifying your insurance coverage. Call our helpline to speak directly with an agent who can check your benefits while you’re on the phone. UnitedHealthcare coverage nationwide finances opioid rehab for hundreds of people every year.

AAC offers access to some of the best treatment centers in the nation. All of our facilities provide individualized treatment plans with leading evidence-based treatment. Choose whatever best fits your needs, from high-end facilities to specialized programs. To find out more about starting your journey to recovery and how to personalize your experience, don’t hesitate to reach out.

What Rehab Centers Accept United Healthcare Insurance?

American Addiction Centers (AAC) has various inpatient and outpatient rehab centers located around the country that provides drug and alcohol addiction treatment. If you have a United Healthcare insurance plan, the following AAC facilities accept United Healthcare insurance for drug and alcohol addiction rehab.

AdCare Rhode Island: With various facilities located in Rhode Island, AdCare provides innovative, quality, and cost-efficient addiction treatment. Its integrated system of care offers an inpatient treatment center in North Kingstown and a network of outpatient offices throughout Rhode Island. AdCare’s continuum of care includes detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, inpatient and outpatient services, and tele-health.
Recovery First Treatment Center: Located in Hollywood, Florida, Recovery First treats substance use disorders by combining evidence-based therapeutic modalities with top-level care. Recovery First provides a personalized continuum of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and telehealth.
Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.

In-network rehab facilities are approved or have a contract with the UHC insurance to offer services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network rehab center. In some cases, you may even be responsible for the full cost of substance abuse rehab if you choose an out-of-network facility.

Whenever possible, try to choose a treatment facility that is in-network with United Healthcare Group. If you are unable to find an in-network provider or prefer a rehabilitation facility that is out-of-network, you may be able to work out a payment plan with the center so you can pay back the cost of treatment over time.

Does United Healthcare (UHC) covers Opioid rehab or Detox Centers?