Does United Healthcare (UHC) Cover Cocaine Rehab?

Addiction is a debilitating disease that impacts individuals and families worldwide, every day. Many people who struggle with addiction put off seeking treatment for reasons like guilt, shame, or a lack of resources.

Addiction treatment can vary depending on your unique needs. Cocaine is a highly addictive substance that can lead to many negative consequences like health problems, overdose, and death.¹ Cocaine use is common, with about 5 million people aged 12 or older reporting use in the past 12 months in 2023, and about 1.3 million Americans aged 12 or older having a cocaine use disorder, the clinical term for a cocaine addiction.²

If you’re ready to get help for cocaine addiction, options are available. UnitedHealthcare (UHC) may cover part or all of the cost of cocaine use treatment. The level of coverage depends on several factors, such as your location, interventions, and your specific insurance plan. UnitedHealthcare is dedicated to providing the highest level of care and offers access to hundreds of in-network rehab centers nationwide.

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

UnitedHealthcare insurance offers coverage for various treatment options for cocaine addiction, such as inpatient and outpatient rehab, interventions and screenings, behavioral therapy, and treatment for co-occurring disorders. Depending on your specific UHC healthcare plan, a portion, if not all, of the costs of cocaine treatment may be covered.

Every person is different, and no one treatment plan works for all. Thus, treatment plans are customized to meet your needs and may include:^1,3,4 

• Screenings and interventions. Drug screening tests and interventions are used to diagnose addiction. When first seeking treatment, a doctor or mental health provider runs assessments to understand the severity of your addiction and which level of care may be best for your needs.
• Inpatient or residential rehab. Inpatient and residential treatment allows you to take a break from your daily responsibilities to completely focus on recovery because you live at the facility for the duration of treatment.
• Outpatient rehab. Most outpatient programs include similar treatments to inpatient rehabs, like individual and group therapies focused on building coping skills to fight addiction triggers and prevent relapse, but you continue living at home or in a sober living environment and fulfilling responsibilities at home, school, or work while undergoing treatment.
• Behavioral therapies. Behavioral interventions are most often used to treat stimulant use disorders, including cocaine addiction. Cognitive-behavioral therapy (CBT) is commonly used to help patients build skills to prevent relapse by understanding what triggers drug use and changing those behaviors. Contingency management (CM) is another behavioral therapy utilized to promote initial abstinence from cocaine use by using motivational incentives to reward abstinence.
• Treatment for co-occurring disorders. When a person suffers from at least 1 mental health illness along with a substance use disorder, it’s called a co-occurring disorder or “dual diagnosis.” Treatment for co-occurring disorders involves addressing the mental health and substance use disorders simultaneously.

UnitedHealthcare offers individual and family plans, employer plans, Medicare, and Medicaid.⁵ There are rehab centers nationwide that treat stimulant use disorders and accept UnitedHealthcare. For more information on what is covered under your UnitedHealthcare plan, reach out directly to your insurance provider or contact American Addiction Centers (AAC) for assistance.

What Does United Healthcare (UHC) Not Cover for Cocaine Treatment?

As with many insurance providers, there are certain limits to the types of services and amount of coverage you’ll receive under your UnitedHealthcare insurance plan. Most rehab centers offer evidence-based treatments like psychotherapy and pharmacotherapy, but additional non-medical amenities—and many of the services offered in luxury rehab programs—may not be covered by UHC healthcare plans.

For example, services like holistic care, recreation programs, food delivery, private treatment services, and alternative therapies may be beneficial to many but typically require you to pay out of pocket for these services.

How Much Does Cocaine Rehab Cost?

The cost of cocaine rehab varies depending on many factors—such as location, insurance plan, type of facility, services rendered, and amenities offered. Holistic treatment experiences with alternative therapies and luxury amenities will likely increase the cost of rehab.

A standard rehab that offers evidence-based treatment generally costs less than treatment in a luxury rehab with high-end amenities like private rooms and fitness classes. Additionally, how long you remain in treatment, and the intensity of the services you receive determines the price.

Depending on the severity of your addiction and where you are in your recovery journey, different services and treatment lengths may be recommended, which will also affect the cost. The following costs are estimated. For specific pricing, reach out directly to the rehab facility you wish to attend.

Cost of Inpatient Cocaine Rehab

The average cost of a 30-day inpatient cocaine rehab program is about $6,000. Well-renowned and luxury centers can cost up to $20,000 for a 30-day program. For 60- to 90-day stays, the average cost varies widely from $12,000 to $60,000.

Cost of Outpatient Cocaine Rehab

Outpatient cocaine rehab for moderate to mild addiction is relatively cheaper than inpatient rehab. You can expect to pay about $5,000 for a 3-month program, but some can cost up to $10,000. The price is determined by how often you attend and for how long.

Cost of Partial Hospitalization Programs (PHPs)

Also known as day treatment programs, partial hospitalization programs (PHPs) offer similar treatment interventions to inpatient programs. While no two programs are exactly the same, PHPs usually require you to attend treatment at least 5 to 7 days a week for multiple hours a day. You return home or to a sober living facility at the end of each day. Prices vary, but, on average, cocaine PHPs cost between $350–$450 per day.

Cocaine Rehab vs. the Cost of Cocaine Addiction

The price for rehab may seem overwhelming at first, but the cost of not seeking treatment will have a greater effect on many aspects of your life. Addiction can cause a financial burden for you and your family. When you factor in the full cost of your addiction—not only the financial cost—the price is much higher than it would be to seek treatment. Cocaine addiction can cause you to drain your financial resources, destroy relationships with loved ones, develop irreversible health issues, and potentially overdose.

The negative consequences of cocaine addiction have long-term effects, including health issues like infectious diseases, heart problems, and seizures. Cocaine addiction can cause you to lose years of your life that you can’t get back, but seeking treatment can help you start a new healthy journey.

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

Remaining in treatment as long as you need to is essential to achieving long-term recovery. Even though everyone is different and has unique needs, mental health professionals agree that remaining in treatment for the entire recommended duration yields more positive outcomes. The longer you spend in treatment, the more time you’ll have to build the necessary skills to fight addiction triggers and maintain sobriety.¹

To find out the length of treatment covered by your UHC insurance plan, reach out to your insurance provider by calling the number on the back of your insurance card or reaching out to AAC to find out exactly what’s covered under your specific UHC policy.

Choosing Between United Healthcare (UHC) Inpatient vs. Outpatient Cocaine Rehab Centers

Choosing the best treatment facility for you depends on several factors. Since everyone has unique needs, individualized treatment plans have been found to be most effective in promoting recovery and preventing relapse.¹

You should contact your primary care physician, mental healthcare provider, or an addiction care specialist to have them provide you with a thorough assessment and evaluate your individual needs to establish the level of care that’s right for you. Generally speaking, however, if your addiction is mild to moderate, outpatient cocaine rehab may be a good place to start. If the severity of your addiction has taken over all aspects of your life, inpatient rehab may be most beneficial for you.

With inpatient rehab, you’ll receive round-the-clock care and daily support from dedicated professionals. Inpatient rehab offers a stable environment, so you can disconnect from distractions and completely focus on your recovery. You’ll be able to participate in mutual-help groups where you can form relationships with people who are also dedicated to recovery. This helps keep you accountable as you work together to get better.

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

If you’re ready to seek help for cocaine addiction, you should find a suitable rehab program as soon as possible. Consult your primary care physician to determine your options and ability to use UnitedHealthcare insurance for cocaine rehab. You can also speak directly with a rehab center you’re interested in and have them verify your coverage for you.

What Rehab Centers Accept United Healthcare Insurance?

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

• AdCare 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 an outpatient facility in Warwick. AdCare’s continuum of care includes residential treatment, co-occurring disorder treatment, and outpatient and intensive outpatient services.
• 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 residential treatment, co-occurring treatment, intensive outpatient services, a partial hospitalization program, and outpatient services.
• River Oaks Treatment Center: Located in Riverview, Florida, River Oaks provides top-level care for addiction and mental health disorders. River Oaks provides a complete personalized continuum of care, which includes residential treatment, co-occurring treatment, intensive outpatient services, and a partial hospitalization program.
• Oxford Treatment Center: Oxford’s two facilities—located in Etta and Oxford, Mississippi—offer a complete continuum of care that includes residential treatment, co-occurring treatment, intensive outpatient services, and a partial hospitalization program.
• Laguna Treatment Center: Located in Aliso Viejo in Southern California, Laguna Treatment Center offers inpatient care.

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 are typically 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 use 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 for your treatment with fixed monthly payments as opposed to paying for it up front all at once.

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

AAC can also verify your insurance coverage for you. Contact AAC at and speak directly with a representative who can check your benefits while you wait. You can also reach out through online chat or fill out the form above.

AAC offers access to top-notch treatment centers in the nation. All of our facilities offer leading, evidence-based treatment focused on addressing your unique needs. You can receive a variety of treatments, such as medical detox, residential rehab, outpatient programs, and different therapies with exclusive amenities and accommodations.

The road to recovery may seem difficult to start, but you’ve already taken the first step by learning more about your options for treatment. AAC is here to help.