United Healthcare for Addiction Treatment

united healthcare insuranceThe Guardian Intensive Outpatient Program in Delray Beach, Florida and offers comprehensive gender-specific and age-specific treatment programs for adults recovering from substance abuse. The Intensive Outpatient Program offers structure and programming similar to residential treatment facilities, while allowing clients to return to their home, or a sober living facility each evening.

Although choosing an IOP can in some cases be a much less expensive option than residential treatment, Guardian IOP programs may still be covered by your insurance provider, and in some cases, an outpatient program may be required before an insurance provider will provide coverage for residential treatment. For assistance clarifying your coverage and payment options, please contact a Guardian IOP Recovery Specialist who can help you understand your specific insurance benefits.

United Healthcare for AddictionAt Guardian IOP, United Healthcare is one of many insurance providers we work with to ensure an affordable, stress-free recovery plan. Cost should never be a barrier to life-changing treatment, which is why we accept most major insurance plans, including United Healthcare. United Healthcare has been an industry leader since 1977 and offers additional coverage for a wide range of personal issues, including substance abuse treatment, through United Behavioral Health. Your United Healthcare policy may operate under a different brand name depending on your home state or particular plan.

Your United Healthcare plan may offer behavioral health benefits to cover the cost of some or all treatments associated with your Guardian IOP treatment plan, including group and individual therapy, family therapy, cognitive behavioral therapy and dialectical behavioral therapy, as well as relapse prevention training. The United Behavioral Health benefit offers substance abuse treatment and counseling for a variety of stressful and challenging situations including depression, PTSD, anxiety or anger issues, or help coping with loss and grief. Benefits frequently extend to sober living facilities as well as Intensive Outpatient Programs such as those offered by Guardian IOP.

Depending on the specifics of our United Healthcare plan, whether HMO or PPO, and the details of your individualized treatment plan, you may be responsible for a deductible or co-pay. Typically, HMO plans have more restrictive referral requirements and benefits are maximized when patients remain within the network of preferred providers. United Healthcare insures 45 million Americans world wide, and their network extends to over 850,000 doctors and care providers at more than 6,000 facilities. United Healthcare’s parent company, The United Health Group has been ranked as the Number 1 most admired insurance company by Fortune magazine for five years in a row.

Plans offered through the Healthcare Marketplace must cover behavioral health treatment, cannot deny you coverage due to pre-existing conditions, and have no yearly or lifetime dollar limits on substance abuse treatment. In addition, pre-authorization or referral requirements can’t be any more restrictive than those in place for any other medical or surgical procedure. In fact, some health insurers prefer patients seek treatment at an Intensive Outpatient Program if deemed appropriate. A Guardian IOP pre-admissions specialist can ensure that an IOP program is right for you with just a 20-minute phone call.

The specifics of your United Healthcare plan are outlined in the Summary of Benefits and Coverage (SBC) provided to you by United Healthcare. This includes an overview of what’s covered, deductible and co-pay or co-insurance requirements, and statements on whether or not your plan meets the minimum ACA, or Affordable Care Act requirements for essential coverage, which includes substance abuse treatment, and minimum coverage, defined as 60% of medical costs.

The quickest and easiest way to find out if your United Healthcare plan can reduce the financial burden of your Intensive Outpatient Program is to speak with a Guardian IOP Specialist today. A Guardian IOP Recovery Specialists can help you understand your United Healthcare coverage and determine your financial responsibilities, if any. With just a 20 minute phone conversation, we can determine if our Intensive Outpatient Program is right for you, if your needs include treatment for any co-occurring mental health disorders, and what your financial responsibility will look like while in our care at our Delray, Florida location.