Substance use disorder is a public health crisis of epic proportions. It affects not only those who are addicted, but communities and loved ones alike. This equal opportunity destroyer of lives is a national epidemic, destroying families every day. Thanks to the Affordable Care Act, substance use disorder is now classified as a mental health condition. This means insurance providers are required to provide some level of coverage for addiction. However, there can be a lot of variation between insurance companies, and even then, a lot of differences between each plan.
Optum is a part of United Health Group and offers different levels of coverage through their plans, all of which should include some form of addiction treatment. Exactly how much treatment is covered will depend on your personal plan, as well as your unique circumstances. Knowing how to best use Optum insurance benefits can be crucial in making the treatment process as smooth as possible. Reducing financial burden can make a big difference when it comes to choosing the treatment center that’s right for you or a loved one. For more info, contact our treatment specialists today.
Does it Cover Drug Rehab?
Optum will cover different levels of drug rehab depending on your plan. However, you may be responsible for some of the costs. Each individuals plan is different and there will be varying levels of coverage. The first thing you need to do is have your benefits verified. The easiest way to do this is to give us a call. One of our treatment specialists will quickly and easily walk you through this process.
Does it Cover Alcohol Rehab?
Just like drug addiction, alcohol addiction is considered a mental health disorder. So, Optum will provide coverage for you as they would any other mental health disorder. However, once again, your level of coverage will depend on your individual benefit package. Things such as your length of stay, facility options, and co-pay will change based on your plan.
Does Optum Cover Inpatient Treatment?
Inpatient treatment is considered a highly intensive level of treatment. During their stay guests live on site, and participate in different forms of therapy to help overcome their addiction. These programs can run anywhere between 30-90 days. Depending on your plan, Optum will cover a portion, or possibly all of your treatment.
Does Optum Cover Outpatient Treatment?
Considered less intensive, outpatient treatment is usually the first form of treatment considered by insurance since it is less expensive. There are several types of outpatient treatment including intensive outpatient programs (IOP), as well as partial hospitalization programs (PHP). Optum generally provides coverage for outpatient treatment, but at what level depends on your plan. Please see our free and secure insurance verification form to find out what benefits, options, and coverage you can get from your insurance and plan.
Making the decision to seek treatment for your addiction is a very important step. Don’t let confusion over your Optum insurance coverage interfere with your plans to get well. Call our team of addiction professionals and let us take care of the details.