UnitedHealthcare Insurance Coverage for Addiction Treatment in North Carolina

Find out if your UnitedHealthcare Insurance Policy covers addiction treatment in North Carolina – or verify your insurance coverage with Southeastern Recovery Center now.

As a part of the Affordable Care Act (ACA), provisions were included that aimed to improve access to mental health services and insurance coverage for mental health conditions. Categorized under the broad term “substance use disorder” in the Diagnostic Manual of Mental Disorders Volume 5 (DSM-5), addiction is considered a mental health condition and treatment is covered under insurance policies.

One of the biggest obstacles people facing addiction have with getting treatment is the cost. Of the 452,000 adults in North Carolina who did not receive mental health care, 44.8% did not receive it because of the cost. The first step to getting addiction treatment in North Carolina is checking your insurance coverage to determine how much, if any, your out of pocket costs for treatment will be.

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What is UnitedHealthcare?

UnitedHealthcare is a subsidiary of UnitedHealth Group, which is one of the largest healthcare companies in the world. UnitedHealthcare operates as a health insurance provider, offering a variety of health insurance products and services to individuals, employers, and government programs. They provide coverage for medical, dental, vision, pharmacy, and behavioral health services, among others. UnitedHealthcare serves millions of members across the United States and is known for its extensive network of healthcare providers and innovative healthcare solutions.

Throughout its history, UnitedHealthcare has focused on innovation, expanding its network of healthcare providers, and offering a wide range of insurance products to individuals, employers, and government programs.

Here is a timeline of UnitedHealthcare’s history:

Types of UnitedHealthcare Plans Available

In North Carolina, UnitedHealthcare offers a variety of health insurance plans for individuals, families, and employers. These plans provide coverage for medical services, prescription drugs, dental care, vision care, and more. 

  • Individual and Family Plans (IFP): UnitedHealthcare offers Individual and Family Plans (IFP) designed for individuals and families who are not eligible for employer-sponsored coverage. These plans may include options such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and High Deductible Health Plans (HDHPs). Coverage typically includes essential health benefits such as preventive care, doctor visits, hospitalization, prescription drugs, and maternity care. IFP members have access to a network of healthcare providers, including primary care physicians, specialists, hospitals, and urgent care centers.
  • Employer-Sponsored Plans: UnitedHealthcare provides a range of health insurance options for employers in North Carolina. Employers can choose from various plan types, including HMOs, PPOs, Point of Service (POS) plans, and Health Savings Account (HSA)-eligible plans. These plans offer comprehensive coverage for employees and their dependents, including medical, dental, vision, and prescription drug benefits. Employers may have access to additional services such as wellness programs, telehealth services, and health management tools to promote employee well-being and reduce healthcare costs.
  • Short-Term Health Insurance: UnitedHealthcare offers short-term health insurance plans for individuals in North Carolina who need temporary coverage. These plans provide temporary protection against unexpected medical expenses during transitional periods, such as between jobs or while waiting for other coverage to begin. Short-term plans typically offer limited benefits and may have restrictions on pre-existing conditions and coverage duration.
  • Student Health Plans: UnitedHealthcare offers health insurance plans specifically designed for students attending colleges and universities in North Carolina. These plans provide comprehensive coverage for students, including medical, mental health, prescription drugs, and preventive care services. Student health plans may offer benefits such as coverage for on-campus health centers, off-campus providers, and access to telehealth services for remote consultations.
  • Small Business Health Plans: UnitedHealthcare offers health insurance options for small businesses in North Carolina with 2 to 50 employees. Small business health plans may include HMOs, PPOs, and other plan types tailored to meet the needs of small employers. These plans provide access to a network of healthcare providers and offer comprehensive coverage options for employees and their families.

Important Terms to Know When Reviewing Your UnitedHealthcare Insurance Coverage

When reviewing your UnitedHealthcare insurance coverage, it’s essential to understand key terms to make informed decisions about your healthcare. Here are some important terms to know:

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Premium: The amount you pay for your insurance coverage, typically on a monthly basis.

Deductible: The amount you must pay out of pocket for covered services before your insurance starts to pay.

Copayment (Copay): A fixed amount you pay for a covered service at the time of service, such as a doctor’s visit or prescription medication.

Coinsurance: The percentage of costs you pay for covered services after you’ve met your deductible.

Out-of-Pocket Maximum (OOP Max): The maximum amount you have to pay for covered services during a policy period (usually one year) before your insurance plan covers 100% of the allowed amount.

Network: The group of doctors, hospitals, and other healthcare providers that have contracted with your insurance company to provide services at discounted rates.

In-Network: Healthcare providers who have contracted with your insurance company to provide services at discounted rates.

Out-of-Network: Healthcare providers who have not contracted with your insurance company. Going out-of-network may result in higher costs or limited coverage.

Prior Authorization: Approval required from your insurance company before receiving certain services, procedures, or medications to ensure they are medically necessary.

Formulary: A list of prescription drugs covered by your insurance plan. Drugs are usually categorized into tiers, which determine your copayment or coinsurance amount.

Preventive Services: Services such as screenings, vaccinations, and counseling that are covered at no cost to you under most insurance plans.

Explanation of Benefits (EOB): A statement sent by your insurance company after you receive medical services, detailing what was covered, what you owe, and any remaining balance.

Health Savings Account (HSA): An account that allows you to save money tax-free for qualified medical expenses if you have a high-deductible health plan.

Flexible Spending Account (FSA): An account that allows you to set aside pre-tax dollars to pay for eligible medical expenses not covered by insurance.

Health Reimbursement Account (HRA): An employer-funded account that reimburses employees for eligible medical expenses.

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Getting Help with Your UnitedHealthcare Insurance Coverage for Addiction Treatment in North Carolina

As a trusted insurance provider in healthcare (and mental health), UnitedHealthcare serves millions of subscribers across the country each year – but it doesn’t mean that navigating the fine print has gotten any easier. When looking for addiction treatment in North Carolina, the last thing you need to worry about is the fine print of your UnitedHealthcare insurance policy, which is why Southeaster Recovery Center is here to help.

Our staff is trained in handling UnitedHealthcare insurance coverage questions and you can even verify your UnitedHealthcare benefits online to determine what your potential out of pocket costs will be for treatment. We believe in making the process of getting addiction treatment easy and transparent – that way you can receive the treatment you need without surprise bills at the end of your program. If you are ready to get started, call Southeastern Recovery Center today.

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We are available 24/7 to help you or a loved one.