United Healthcare Insurance Coverage for Rehab in NV
United Healthcare is an insurance company in the United States that provides health benefit programs to a variety of groups, including employers (employer-provided health insurance), individuals and families, and Medicaid and Medicare beneficiaries.1 It is the health benefits business of UnitedHealth Group.1
As of August 2021, approximately 1 million people were covered by a United Healthcare plan (e.g., commercial plan, Medicare, or Medicaid).2 If you have a private or public United Healthcare plan or a Health Plan of Nevada plan, you may be able to use your benefits to cover some or all of the cost . If you have a Health Plan of Nevada insurance plan, you’ll need to be aware of both your plan’s and potentially United Healthcare coverage policies. 69 of Nevada’s 106 substance abuse facilities accept some form of private insurance as payment., while more may work with United Healthcare Medicare or Medicaid plans.3
Understanding what benefits United Healthcare offers you, how to use those benefits to cover addiction treatment, and how to find rehabs in Nevada the work with United Healthcare can help you start your journey to recovery.
Does United Healthcare Cover Rehab in Nevada?
Under the Affordable Care Act (ACA) health insurance plans must provide some level of coverage for mental and behavioral health services.4 These types of services are considered to be 1 of the 10 essential health benefits that almost all plans must cover in some capacity.5 Specifically, your United Healthcare or Health Plan of Nevada plan must provide some degree of coverage for the treatment for substance use disorder, inpatient mental and behavioral services, and behavioral health treatment (e.g., counseling or psychotherapy).4
However, this doesn’t mean that services will be covered in full. Every health plan is different, and coverage details may vary based on the insurance plan type you have, where you receive care, and what type of care you need. It’s important to reach out to your United Healthcare representative to determine the extent of your coverage and the cost of treatment.
What Type of Rehab Is Covered by United Healthcare?
While coverage will vary widely depending on the type of United Healthcare plan you have and the length and intensity of your treatment, there are some common types of treatment that may be covered. These common treatments may include:
- Medical Detox: Most treatment programs begin with medical detox, the process of removing substances from one’s body.6 Detox may be accompanied by serious withdrawal symptoms, so many patients may find medical detox with 24/7 supervision to be the safer option.
- Inpatient Care: This type of treatment program typically refers to programs that are administered at facilities where the patient receives around-the-clock care at a more intensive level for anywhere from a few days to a few months. 7
- Outpatient Care: This type of care often varies in the type and intensity of services provided.6 Services rendered could include group counseling or drug education. 6 This type of care does not involve overnight stays at a facility.7
- Aftercare/Sober living: Generally, any care that’s provided after initial rehab is completed is referred to as aftercare.7 Sober living is a common type of aftercare and is generally recommended to those coming out of residential treatment. It involves living with others who are recovering in a drug- and alcohol-free environment.7
- Co-occurring Disorders/Mental Health: A co-occurring disorder is a term used to describe when someone is experiencing both a mental health and substance use disorder simultaneously.8 If a patient has a co-occurring disorder, integrated screening and care that provides treatment for both conditions is recommended.8
Does your insurance cover treatment at Desert Hope in Las Vegas?
Check your insurance coverage or text us your questions to learn more about treatment by American Addiction Centers (AAC).
How to Check Your United Healthcare Benefits
There are a variety of ways in which you can check your United Healthcare plan’s coverage details for addiction treatment in Las Vegas and Nevada. First, you can call the number on the back of your insurance card and speak to a United Healthcare representative. You may also be able to check your summary of benefits and coverage by logging into your United Healthcare plan’s member login site. Or, finally, you can often check directly with the rehab provider to see whether they will accept your United Healthcare plan and what the coverage details include.
How to Use United Healthcare to Pay for Rehab in Las Vegas
If you have a United Healthcare plan and are seeking rehab services in Las Vegas, you may be wondering how to use your plan to pay for those services. Typically, you would go to the provider and present your insurance card. They will then begin to coordinate care and billing, forwarding you any balances you may owe, such as copays or deductible costs.9
Specific provisions in your plan may require you to seek out prior authorization, which is when the provider reaches out to the insurer before rendering services to obtain permission for coverage.10 Network coverage may also play a role in how much of your rehab costs are covered. 10 This is why it’s recommended that you call the number on the back of your insurance card or log in to your member portal to review your summary of benefits and coverage. You will be able to see what out-of-pocket costs you may owe, whether a specialist referral or prior authorization is required, and guidance for finding an in-network or out-of-network provider.
Do I Have to Choose an In-Network Rehab Center to Use United Healthcare in Nevada?
You are not prohibited from using any type of rehab facility, but if you use an out-of-network facility, you may not be able to use your United Healthcare plan to cover rehab costs. A network refers to the facilities, providers, and suppliers that your United Healthcare plan has entered a contract with to provide healthcare services.11 Generally, receiving in-network care is most cost-effective, so it’s in your best interest to seek out in-network care.
United Healthcare Insurance Plans
Because United Healthcare is a nationwide provider and offers plans to all markets, there are many different plan designs offered. They specifically offer plans to employers, private individual and family plans, Medicare, and Medicaid plans, as well as Health Plan of Nevada. Your plan may come with HMO coverage, where you are limited to in-network providers, or PPO coverage, where you can choose to work with in- or out-of-network providers but spend less with in-network providers. United Healthcare plans may also be listed as Bronze, Silver, or Gold. Gold plans offer more comprehensive coverage than Bronze and Silver.
Please check your summary of benefits and coverage to find out what type of plan you have, and contact United Healthcare to find out more information about your specific plan.
Does United Healthcare Offer Medicare and Medicaid?
Yes, United Healthcare offers Medicare and Medicaid plans to eligible individuals in Nevada.11 They also work with statewide groups and with Health Plan of Nevada to provide subsidized care to the residents of Nevada. Please visit the Centers for Medicare and Medicaid Services site to learn more about enrollee eligibility.
Finding Nevada Rehab Centers That Accept United Healthcare
If you’ve determined that it’s time to seek out care at a Nevada rehab center, you may be wondering how to find a center that accepts United Healthcare. One of the best ways is to contact your doctor to determine what your treatment needs may be and receive any necessary referrals. You can also contact your insurance company and ask for a list of in-network providers, as well as to find out what the extent of your mental health and substance use disorder treatment coverage may be. The SAMHSA treatment locator may also be able to help you find Nevada rehabs that work with United Healthcare.
Finally, another option is to call the confidential American Addiction Centers 24/7 addiction helpline. The trained staff can help you discuss your condition, verify your benefits, and help you find a location near you. They may be able to answer any questions you may have about paying for rehab services if insurance doesn’t cover the full or partial cost of care. What’s more, AAC has a Las Vegas location called Desert Hope that works with a wide variety of private insurers, so you may be able to use your United Healthcare plan there to receive care.