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UnitedHealth Insurance Coverage for Sex Addiction
(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by UnitedHealth.)
Does UnitedHealth Insurance Cover Treatment for Sex Addiction?
Yes, UnitedHealth Insurance covers sex addiction treatment. UnitedHealth Insurance for Sex Addiction Rehab is a benefit many patients use. Sex addiction is one of the least talked about addictions, and many suffer in silence as a result. As many as 12 Million Americans are currently suffering from sex addiction. The hallmark of sexual addiction is for the condition to affect a person’s work or personal life. 20 percent of American men have admitted to viewing porn in the workplace, which is problematic. Sex addiction is a legitimate mental illness for which a time period in a rehabilitation facility is often recommended. UnitedHealth Insurance will cover a specific portion of a rehab stay for sex addiction, depending on the specific plan purchased.
Type of Rehabs UnitedHealth Insurance Will Pay For
UnitedHealth Insurance for Sex Addiction Treatment covers several different rehab options for sex addiction patients, including outpatient rehab, inpatient rehab, aftercare and home care. Typically, medical professionals recommend that patients suffering from sex addiction get help at an inpatient or outpatient rehab facility. Patients should work with their doctor and inspect their specific insurance plan to figure out which method of treatment works best.
How Much of the Cost of Rehab Is Covered by UnitedHealth Insurance?
UnitedHealth Insurance for Sex Addiction Rehab is covered. The specific amount of a rehab stay covered by UnitedHealth Insurance varies by the type of insurance purchased. For example, the most expensive premium plan, the Platinum Copay Select Plan, offers a $750 deductible and a coinsurance that allows patients to pay only 10 percent of medical costs after the deductible has been met. The least expensive plan, the Bronze Copay Select Plan, has patients pay a deductible of $5,500 and 20 percent of medical costs after the deductible has been met. There are several different options in between, and most individuals or families can find a plan that fits their specific needs.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Yes, UnitedHealth Insurance patients can pay above what the insurance will pay out. Patients who pay more than UnitedHealth will cover will not face any adverse repercussions for doing so. However, it is recommended that patients use their insurance to pay for medical costs due to the protections that it affords patients under federal law.
Inpatient Addiction Treatment vs. Outpatient Therapy
Inpatient programs require that patients stay overnight at a facility for a specified period-usually between 30 days (1 month) and 90 days (3 months). However, the duration of a stay can be significantly shorter than 30 days, with some patients needing a stay as short as 5 to 7 days. During treatment, patients receive round the clock care in a structured environment. Outpatient programs are less structured and do not allow patients to stay overnight. Patients in outpatient programs must check in with their doctor at least once a day for a specified period of time.
Should I Choose a Residential Rehab Center?
“Sex addiction is one of the least talked about addictions, and many suffer in silence as a result. As many as 12 Million Americans are currently suffering from sex addiction.”
UnitedHealth Insurance for Sex Addiction Treatment allows patients to pick a residential rehab center. The selection of a residential rehab center is more a personal choice than a medical one. While inpatient programs have certain advantages, such as structure and around the clock care, there are drawbacks, such as limited communication with friends and family.
Will UnitedHealth Insurance Pay for Local Rehab and Out of State Treatment?
Yes, UnitedHealth Insurance will pay for both local rehab and out of state treatments. However, out of state costs can vary, so checking in with the provider and placing a call to the facility to verify costs before the beginning of treatment is especially prudent. The amount UnitedHealth is willing to pay may vary based on the individual insurance plan selected.
Does UnitedHealth Insurance Pay for Private or Luxury Treatment?
Yes, UnitedHealth Insurance pays for private and luxury treatment, but not in all cases. Patients should consult their individual insurance plan and talk with their provider to verify costs prior to enrolling in a private care or luxury care treatment facility.
What Does Executive Treatment Offer Over Other Rehabs?
UnitedHealth Coverage for Sex Addiction Rehab covers Executive Treatment Centers. Executive Treatment Centers offer patients the ability to continue working by communicating with colleagues via laptop, tablet, or cell phone during a rehab stay. Usually, inpatient facilities don’t allow patients to communicate with electronics and view those communications as an unnecessary distraction. Executive Treatment Centers are targeted towards professionals looking to continue their career during their stay.
What Treatment Lengths Will UnitedHealth Insurance Pay For?
UnitedHealth Coverage for Sex Addiction Rehab is comprehensive and will pay for any rehab stay as long as the stay is for a period of 60 days or less. Any period over 60 days will not be covered by UnitedHealth Insurance. The covered 60 day period can be broken down into shorter segments if the patient desires. Usually rehabilitation stays are broken down by duration. The most common durations are listed below:
- 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?
Patients without insurance can typically still continue their treatment. Most rehabilitation facilities offer patient payment plans which allow payment over a period of months instead of all at once. Payment plans offer patients financial flexibility that wouldn’t otherwise be available.
Using Our Helpline to Determine Your UnitedHealth Insurance Rehab Options
If you are having trouble with sex addiction and you are looking to get help, give us a call at 1-888-716-9806 right now! Our staff is ready and willing to help you get your life back. We’re only a phone call away, and we can help you get into the rehab facility that will provide you with a positive change.
Questions and Answers
Will UnitedHealth Insurance Cover Multiple Rehab Stays?
Yes, UnitedHealth Insurance will cover multiple rehab stays as long as those stays are for a total period of 60 days or less.
Does Insurance Pay for Aftercare?
Yes, UnitedHealth Insurance pays for aftercare.
Could Rehab Make My Insurance Premiums Higher?
No, due to federal law, insurance premiums cannot rise due to a rehab stay.
Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
The Affordable Care Act has brought mental illness and substance abuse treatment costs back in line with the rest of the health industry. The Affordable Care Act also prevents insurance companies from raising rates on patients going through substance abuse or mental illness treatment. Patients also cannot be prevented from getting health insurance due to a pre-existing condition.