Does UnitedHealth Insurance Cover Treatment for Internet Addiction?
UnitedHealth Insurance covers a variety of substance abuse and mental health issues, including internet addiction. Internet addiction affects as many as 1 in 8 Americans. While internet addiction is often downplayed in popular culture, it is a very real and sometimes serious problem. Several studies have linked internet addiction to other mental illness and substance related issues, such as gambling addictions and porn addictions. Most doctors treating internet addiction recommend either inpatient or outpatient rehabilitation, both of which are covered by UnitedHealth Insurance. UnitedHealth Insurance for Internet Addiction Rehab is a benefit used by many insurance customers.
Type of Rehabs UnitedHealth Insurance Will Pay For
UnitedHealth Insurance for Internet Addiction Rehab is an option for those suffering from internet addiction. UnitedHealth Insurance covers a host of different rehabilitation options for patients. In the case of internet addiction, typically inpatient or outpatient rehab facilities are recommended. However, UnitedHealth Insurance also covers aftercare and home care. Patients must work with their doctor and consult their individual health insurance plan to conclude which form of treatment best fits their needs.
How Much of the Cost of Rehab Is Covered by UnitedHealth Insurance?
UnitedHealth Insurance for Internet Addiction Treatment is comprehensive. UnitedHealth Insurance covers rehab, but the amount covered varies on the insurance plan selected. The high end plan - the Platinum Copay Select Plan - comes with a $750 deductible and a coinsurance that only has patients pay 10 percent of medical costs once the deductible has been met. The low end plan - the Bronze Copay Select Plan - has patients pay a $5,500 deductible with a coinsurance that has patients pay 20 percent of post-deductible medical costs.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Patients are allowed to pay above what insurance will cover. UnitedHealth does not preclude any patient to pay for medical services out of pocket. However, any medical payments made out of pocket are done without the protections under the law afforded through the use of health insurance. Therefore, it is typically recommended that patients do not pay out of pocket for medical expenses. However, it is ultimately a personal choice for each patient.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Internet addiction affects as many as 1 in 8 Americans. While internet addiction is often downplayed in popular culture, it is a very real and sometimes serious problem."
UnitedHealth Insurance for Internet Addiction Treatment allows patients to choose between inpatient and outpatient rehab. Inpatient addiction treatment is typically reserved for the more severe addictions. Inpatient programs require that patients stay overnight at a facility for a given period of time, usually anywhere from 30 days to 90 days. However, a stay can last much shorter, with some stays lasting only a week. Outpatient programs are different in that they don't require patients to stay overnight. Instead, outpatient programs require patients to check in with a doctor each day for a specific period of time until sufficient progress has been made.
Should I Choose a Residential Rehab Center?
The choice to select a residential rehab center is a personal one made between a patient, their family and doctor. Residential rehab, or inpatient rehab, is usually associated with structure and a lack of distractions. This environment is conducive to sobriety, but it does not work for everyone. Each program's environment should be evaluated on its merits for personal rehabilitation.
Will UnitedHealth Insurance Pay for Local Rehab and Out of State Treatment?
UnitedHealth Insurance pays for both local rehab and out of state treatments. However, the prices between local and out of state rehab facilities may differ, depending on a variety of factors, including the particular UnitedHealth Insurance Plan chosen.
Does UnitedHealth Insurance Pay for Private or Luxury Treatment?
In certain cases, UnitedHealth Insurance covers private or luxury treatment. Patients should consult their individual insurance plan for specific rates. Patients should also communicate with their chosen private or luxury facility to ensure that UnitedHealth Insurance is an accepted form of payment. If the facility in question does not accept UnitedHealth Insurance, then UnitedHealth cannot cover any treatment there.
What Does Executive Treatment Offer Over Other Rehabs?
UnitedHealth Coverage for Internet Addiction Rehab covers Executive Treatment Center programs. Executive Treatment is attractive to executives and professionals because it is favorable to working patients. While patients at inpatient facilities are typically not able to continue working with their colleagues, patients in executive treatment programs are allowed to use tablets, laptops and cell phones for work purposes. Patients in executive treatment programs can continue to work without the usual stoppages due to rehabilitation.
What Treatment Lengths Will UnitedHealth Insurance Pay For?
UnitedHealth Insurance will pay for any stay at a rehab facility for internet addiction, as long as that stay is no longer than a period of 60 days. Those 60 days can be broken down into shorter segments; however, patients that exceed 60 days will no longer have their stay covered. Rehabilitation stays are typically broken down into the following:
- 28-30 Day Residential Programs (1 Month)
- 60 Day Residential Programs (2 Months)
- 90 Day Residential Programs (3 Months)
What If I Have No Insurance?
For patients with no insurance, there are still suitable payment options. Patients without insurance must pay the amount on their own, but most rehab facilities over payment plans that can be completed over a period of several months. Patients without insurance can typically get treatment while making payments that fit their budget and schedule.
Using Our Helpline to Determine Your UnitedHealth Insurance Rehab Options
If you are having issues with internet addiction and are ready to get help, contact us at 1-888-341-7785. We're ready to help you get back on your feet by finding you the right rehab program for your personal needs. If you are ready to select a rehab program that will change your life for the better, give us a call and let us lend a hand.
Questions and Answers
Will UnitedHealth Insurance Cover Multiple Rehab Stays?
Yes, UnitedHealth Insurance will cover multiple rehab stays as long as the cumulative total is 60 days or less.
Does Insurance Pay for Aftercare?
Yes, UnitedHealth Insurance covers aftercare.
Could Rehab Make My Insurance Premiums Higher?
No, due to the Affordable Care Act, rehab stints cannot raise your premium costs.
Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Yes, the Affordable Care Act has positively affected substance abuse and mental health coverage by bringing costs in line with the rest of the medical community. The law also stops insurance companies from dropping patients getting treated for substance abuse or mental health issues.