Find Alcohol & Drug Rehabs that Accept United Healthcare Insurance

UnitedHealthcare recognizes substance use disorders as treatable health conditions, not personal failures.

Most plans include behavioral health benefits that may cover a wide range of addiction services, such as:

• Medically supervised detox programs
• Inpatient or residential rehab
• Partial Hospitalization (PHP) and Intensive Outpatient Programs (IOP)
• Outpatient counseling and therapy
• Medication-Assisted Treatment (MAT)
• Dual diagnosis or co-occurring disorder treatment

The level of coverage depends on your specific plan, the state you live in, and whether your chosen provider is in-network.

Coverage is based primarily on medical necessity—meaning the treatment must be clinically appropriate for your diagnosis.

Before approving certain services, UnitedHealthcare may require documentation such as:

• A clinical assessment confirming substance use disorder
• A treatment plan or physician referral
• Evidence that lower levels of care were considered or tried
• Verification that the facility is licensed and credentialed

Better Addiction Care assists patients with gathering this information and submitting it correctly to avoid delays or denials.

UnitedHealthcare’s behavioral health benefits typically support several levels of care, each suited to a different stage of recovery:

1. Detoxification

Coverage often includes medically supervised detox to manage withdrawal safely under professional care.

2. Inpatient and Residential Care

For individuals who need 24-hour structure and medical oversight, inpatient or residential treatment may be covered when medically necessary.

3. Outpatient and Intensive Programs
Partial Hospitalization (PHP), Intensive Outpatient (IOP), and standard outpatient therapy are commonly included for ongoing support after stabilization.

4. Medication-Assisted Treatment (MAT)

FDA-approved medications like Suboxone, Vivitrol, or buprenorphine are often covered, depending on the plan’s formulary.

5. Dual Diagnosis and Mental Health Support

UnitedHealthcare typically covers integrated treatment for those managing both addiction and mental health conditions such as depression or anxiety.

The cost of addiction care with UnitedHealthcare varies by plan type, provider network, and benefit structure.

Here’s what generally affects cost:

• Deductible: The amount you pay before insurance starts to contribute.
• Coinsurance or Copay: The percentage or flat fee you pay per service after the deductible.
• Network Choice: In-network facilities cost less than out-of-network.
• Plan Tier: Gold and Platinum plans usually have higher premiums but lower out-of-pocket expenses.

Better Addiction Care helps patients interpret their plan details and estimate total treatment costs before admission.

UnitedHealthcare plans—such as Choice, Choice Plus, and PPO—define how members can access treatment:

• In-Network Providers: Offer the lowest costs and often do not require referrals.
• Out-of-Network Providers: Still available under some plans but usually with higher deductibles and reduced coverage.

Working with an in-network facility ensures your benefits are applied correctly and helps prevent unexpected financial surprises.

If your UnitedHealthcare plan doesn’t fully cover the cost of your program, Better Addiction Care can still help you find a path forward.

Options may include:

• Accessing sliding-scale or flexible payment plans
• Exploring state or community funding assistance
• Selecting an in-network facility for greater cost efficiency

Our specialists can help you compare options and select care that fits both your recovery goals and your budget.

Our insurance specialists coordinate directly with UnitedHealthcare to simplify the approval and admission process.
 We’ll:

• Verify your benefits and financial responsibilities
• Submit required authorizations and documentation
• Connect you with trusted, in-network treatment providers
• Support you through every step of admission and care coordination

With Better Addiction Care, the insurance process becomes easier—so you can focus on recovery, not red tape.