A Leader of Drug Rehabs that Accept United Healthcare
Getting Help Using United Healthcare Insurance at Icarus in Idaho
Are you searching for a rehab center that will accept your insurance and minimize your spending on the out-of-pocket expenses associated with recovery? Drug rehabs that accept United Healthcare can give you an advantage when it comes to cost, but that shouldn’t be the only factor you consider.
Drug and alcohol rehab should be a personalized experience that allows you to tap into the resources you need when you need them most.
United Healthcare is required to cover drug and alcohol rehab under the Affordable Care Act. This type of treatment is considered an essential health benefit along with behavioral health. Looking for an in-network provider can lessen those costs even further, sometimes covering them in their entirety.
Icarus Behavioral Health in Boise is proud to accept many forms of United Healthcare insurance as a form of payment for our treatment programs. We can verify your insurance coverage in a quick call, letting you know what to expect for the total cost. Here’s what you should know about what United Healthcare offers.
Is Drug and Alcohol Rehab Covered by Your Insurance?
Before you start the in-depth process of searching for the right treatment centers, you need to clear an important hurdle: will your insurance coverage extend to this type of treatment?
The good news is that significant progress has been made over the last decade when it comes to how health insurance companies view substance abuse and mental health issues. The Affordable Care Act, established in 2010, now mandates that insurance companies must cover these. They’re considered to be essential health benefits.
However, that doesn’t mean that they have to cover them in their entirety. You may still owe an upfront sum before insurance kicks in, known as your deductible. After this has been paid, you may owe a small percentage of additional care, which is known as your coinsurance rate or copayment.
Here’s what you should know about what health insurance plans cover.
Parity Protections for Substance Abuse and Mental Health
Chances are that you know what your health insurance provider covers if you have a kidney stone, a broken bone, or some sort of treatment that qualifies as a medical necessity. Now, addiction treatment is covered under this same umbrella with parity protections.
At its core, this means that your health insurance plans will cover your care to the same degree as these sorts of medical issues. If your plan mandates that they pay a percentage toward your care (known as a coinsurance rate), the same rate applies to mental health and substance abuse.
In the past, United Healthcare plans may have had loopholes for these sorts of issues, but the fine print on your policy proves that coverage is mandated. No matter what sort of rehab coverage you require, you will find more accessibility for substance use and dual diagnosis treatment.
Get Effective Detox and Rehab Options at Icarus
No Lifetime Limits on Specific Coverage
Another issue that many faced with their insurance coverage was a limit on what they could spend on any given issue. When it comes to substance use disorder, it takes people an average of five attempts to quit before they finally succeed in lasting recovery.
Where would you be if your insurance only covered the first residential treatment stay?
Now, the insurance providers who are underwriting your care can’t say that you have maxed out your allotted spending before booting you from your plan without warning. They must keep paying for your treatment as long as it seems to work for you.
No Exclusions for Pre-Existing Conditions
If you’re worried that insurance providers might not be inclined to cover you next year if you had a drug or alcohol problem this year, you can rest easy. The Affordable Care Act also made it illegal for providers to refuse coverage options to someone with a pre-existing condition, including addiction.
At the same time, they also can’t raise your rates simply because you tapped into your benefits. They must offer fair and competitive rates through the health insurance marketplace or your employer. This makes care more affordable and accessible to more people.
In other words, don’t be afraid to seek help, thinking that you’ll have to forgo coverage for the rest of your life. You can rest easy knowing that you’ll never run out of money to spend on care simply for using your benefits, and you can’t be denied due to your use of the insurance.
Does Icarus Accept United Healthcare Insurance?
Icarus Behavioral Health in Boise does offer care for those with United Healthcare health insurance coverage. The exact amount you will pay in out-of-pocket expenses depends on your individual plan details, but there are some generalities you can explore with your care.
What exactly does United Healthcare insurance cover at Icarus Behavioral Health?
Residential Treatment Centers to Intensive Outpatient Programming
Your United Healthcare benefits will often extend to all sub-acute medical detox treatment levels at Icarus Behavioral Health in Boise. We offer a range of services that enable us to meet you where you are at in every stage of the recovery process. Many people will start with more intensive residential treatment programs before a transition to intensive outpatient treatment.
Will United Healthcare cover all treatments to the same degree?
You may find that you will have more expenses for an inpatient treatment program simply due to the nature of the treatment itself. It entails around-the-clock care with support from a team of medical professionals. On the other hand, IOP only lasts for several hours each day and doesn’t include room and board.
Alcohol and drug abuse is covered at all levels at Icarus. Our enrollment team can help you verify your insurance benefits and go over the various cost structures of your United Healthcare coverage.
Inquire About a Payment Plan and Private Pay Options
At United, behavioral health is covered, but it may still exceed your ability to pay out of pocket for the care you receive. Icarus wants to make your treatment as accessible as possible so our finance team can work with you on an affordable payment plan after you transition out of our program.
This gives you more options to get the help you need in a comprehensive drug rehab with whatever type of healthcare coverage you may have.
Cost should never be the thing that holds you back from substance abuse treatment.
Up To 100% of Rehab Costs Covered By Aetna
Verify Your Insurance Benefits Today at Icarus in Boise
Icarus Behavioral Health in Boise can help you get the treatment you need when you need it. We will help you make sense of your healthcare coverage, starting with an initial call to our enrollment team.
Whether you need inpatient treatment centers or medication-assisted treatment, we can verify your benefits and give you the details on out-of-pocket costs.
Let us help you make sense of your coverage and make sure you are able to get the help needed. Call now to learn more about our programs and how we can help you move forward.
References
- National Archives and Records Administration. (n.d.-a). Substance abuse and the Affordable Care Act. National Archives and Records Administration.
- Coinsurance – glossary. HealthCare.gov. (n.d.-a). https://www.healthcare.gov/glossary/co-insurance/
- Copayment – Glossary. HealthCare.gov. (n.d.-b). https://www.healthcare.gov/glossary/co-payment/
- Centers for Medicare and Medicaid Services. (n.d.-b). The Mental Health Parity and Addiction Equity Act (MHPAEA).
- Kelly, J. F., Greene, M. C., Bergman, B. G., White, W. L., & Hoeppner, B. B. (2019). How Many Recovery Attempts Does it Take to Successfully Resolve an Alcohol or Drug Problem? Estimates and Correlates From a National Study of Recovering U.S. Adults. Alcoholism, clinical and experimental research, 43(7), 1533–1544.
- U.S. Department of Health and Human Services. (2022, March 17). Pre-existing conditions.
