United Healthcare Substance Abuse Treatment Insurance Coverage

Check Your Policy Coverage
Please fill out the form below to verify your insurance coverage.
Provider Overview
UnitedHealthcare (UHC) is one of the largest health insurance companies, serving tens of millions of customers worldwide.1 You may be wondering, ‘does UnitedHealthcare cover rehab?’ If you or a loved one has UnitedHealthcare insurance and you are wondering how to pay for drug or alcohol rehabilitation treatment, you can read the information below to learn about how addiction recovery programs are covered under UHC plans. While specifics vary from plan to plan, this page will help you understand what you may be able to expect when it comes to substance abuse coverage with UnitedHealthcare.
This page is intended to be a general overview of how UnitedHealthcare covers addiction and mental health services, not a comprehensive guide on the subject. For specific questions about your plan and UnitedHealthcare substance abuse coverage at American Addiction Centers’ facilities, call for free at . You can speak to a UnitedHealthcare representative directly and learn about how to pay for rehab.
The main types of policies UnitedHealthcare insurance offers are:
UnitedHealthcare plans fit into two categories:3
All the plans listed above provide coverage for substance abuse and behavioral health treatment. Rehabilitation services are primarily provided through:
UnitedHealthcare drug rehab or alcohol abuse treatment providers offer coverage for inpatient addiction treatment (this may exclude certain short-term insurance plans). The level of coverage or plans available may change depending on:
Medication may be used to help a person manage withdrawal symptoms, cravings and co-occurring disorders. Some UHC plans may require a separate deductible for medications used during treatment. After the deductible is met, there is a copayment for each prescription.
The copay for medications varies widely depending on the type of medication and the UHC plan you have. Prescriptions obtained outside the network are not covered.5
UnitedHealthcare also provides coverage for outpatient drug and alcohol treatment. The specifics of your UnitedHealthcare rehab coverage will vary. There is no coinsurance for other outpatient services.
Out-of-network outpatient treatment or prescription medication is not covered.6
Learn more about inpatient vs. outpatient treatment.
Substance misuse, behavioral health and mental health are categorized together with UnitedHealthcare insurance plans. An inpatient stay or outpatient treatment period for behavioral health or mental health reasons has the same level of coverage as treatment in an addiction center.5, 6
There are a few different ways to check your UnitedHealthcare rehab coverage:
In most cases, UnitedHealthcare insurance provides coverage for substance abuse treatment and mental health services. Just be sure you choose a facility that is within the UHC network or that your plan allows you to use out-of-network facilities.
To find out if your insurance plan covers treatment at an American Addiction Centers (AAC) facility, you can reach out to an admissions navigator for free at . You can also use the “Verify Your Insurance” portal.
Related Resources
Learn more about our treatment facilties