United Healthcare Insurance Coverage for Drug and Alcohol Addiction Rehab

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 If you or a loved one has UnitedHealthcare insurance and is considering drug or alcohol rehabilitation treatment, you’re probably wondering if substance abuse treatment is covered. While specific coverage varies from plan to plan, this page will help you understand what to may be able to expect when it comes to coverage for addiction treatment through 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 what it covers at American Addiction Centers’ facilities, call . 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 benefits include coverage for inpatient treatment for alcohol or drug addiction (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 vary 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 coverage will vary. There is no coinsurance for other outpatient services.
Out-of-network outpatient treatment or prescription medication is not covered.6
Substance misuse, behavioral health, and mental health are categorized together with UnitedHealthcare insurance plans. An inpatient stay or outpatient treatment 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 coverage:
In most cases, UnitedHealthcare insurance provides coverage for substance use 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, use the “Verify Your Insurance” portal.
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