We are now offering Telehealth treatment options.
Realizing that someone you love has a problem with drugs or alcohol is the first step to getting that person the help that they need. A big question on the minds of parents is whether their insurance covers Southern California rehab. Though you want to help a loved one seek treatment, you may not have the money needed to send that individual to a treatment center. As long as you have an Optum policy that covers your loved one, the policy should cover treatment too.
Does Optum Insurance Cover Rehab?
Though Optum insurance covers the cost of rehab, your policy dictates exactly what it covers. Optum HMO is a program that asks you to choose and identify a primary care physician when they become your provider. You will need to have your loved one visit the doctor and describe the alcohol or drug problem. The doctor will then refer you to a treatment facility covered by your plan. With the Optum PPO and POS plans, you can choose any treatment center in your preferred network. You only need to cover out-of-pocket costs if the center is out of your network.
Affordable Care Act and Health Insurance
President Barrack Obama created the Affordable Care Act as a way to help Americans gain access to health insurance. Also called the ACA, it includes the treatments needed for those addicted to drugs/and or alcohol. This covers all types of substance abuse treatments and provides help to those diagnosed with co-current diseases. Your coverage starts the day that you sign up for a plan. Health insurance providers cannot deny coverage to anyone with preexisting medical conditions, including those previously diagnosed with an addiction. Optum Insurance must adhere to these standards.
Copay vs. Deductible
The average copay costs that Americans pay is about $15 to $25. A copay refers to the payment that is due when you visit a health care provider. If you go to an urgent care facility, you can expect to pay up to $100 before you leave. Some hospitals charge patients a copay of up to $300 when they present an insurance card. You are also responsible for the deductible, which is the total amount due before your insurance begins. If you have a $1,000 deductible, the insurer will not cover any doctors’ visits or treatments until you pay this amount out of pocket. Contact Optum to check on your deductible and find out if you paid the maximum amount before looking at rehab centers.
Outpatient Treatment
Optum typically covers outpatient rehab, which allows patients to live at home or sober living while receiving treatment. You might spend a few weeks or an entire month focusing on your sobriety. The benefits of outpatient treatment include teaching you how to avoid relapsing later and working with your family on your recovery. Parents of adolescents and teenagers seeking treatment can feel confident that they can attend therapy sessions and learn tips that will help their children at home.
PHP and Medications
With a policy through Optum, you can seek treatment from a facility that offers partial hospitalization programs. Also called a PHP, this program requires that you live and work onsite. You’ll attend therapy sessions such as dialectical behavior therapy and cognitive-behavioral therapy. Those sessions help you identify the causes of your addiction and teach you the fundamentals of recovery. Optum policies often cover the medications that you need in PHP that help you manage your addictions.
Therapy Coverage
Does Optum insurance cover rehab is a question that many ask because they worry that they need to pay extra for their therapy sessions. The types of therapies that you choose will vary based on your needs and what you hope to get out of the program. Cognitive-behavioral therapy is a good choice for those struggling with addictions and depression or anxiety as well as PTSD. You might choose dialectical behavior therapy to focus on changing your negative thoughts and behaviors. This type of therapy can also help those struggling with suicidal thoughts.
Insurance Coverage for Accredited Facilities
Optum is similar to other insurance providers because it covers the treatments available in the top accredited facilities. When choosing a Southern California rehab center, you should look for one that offers the programs and therapies that you need. More than 2,400 people in California died from a drug overdose in 2018 alone, with many of those people using opioids. The number of people who had an overdose but survived is even higher. When a loved one has an overdose, it can serve as a wake-up call that encourages the person to seek help.
Using Optum insurance for rehab allows you to find a center that offers evidence-based treatments. This means that the facility uses therapies and treatments proven to work, which includes the role of the family in treatment. Loved ones are a major part of the treatment process because it provides the individual with a strong support system who can continue to help and guide them at home. Some addicts spend a short period living in a sober home, which allows them to work and have some freedom as long as they follow the rules and remain sober. Even if a loved one stays in a sober home, you can still be part of the recovery process.
Thanks to the policies offered by this insurer, you can seek help for yourself or your loved one with an addiction to drugs or alcohol. Combined with the ACA, your policy covers outpatient treatment and lets you avoid the hassles of coming up with the money to enroll a loved one in a program. It covers all of the therapies that you need too. Today is the day that you stop asking, “Does Optum insurance cover rehab?” and start looking for a good treatment center. Call Mission Harbor Behavioral Health to find out what your Optum insurance policy will cover for loved ones struggling with their addictions.
The facilities at Mission Harbor are staffed with trained experts to best assist patients with their mental health issues. We are capable of dealing with any and all cases with a licensed staff, equipment, and approved techniques. Our mission is to help those who want to help themselves, and we support your decision in seeking help.
Get Help Now
Alcohol addiction is extremely difficult to overcome on your own.. Seek specialized help and let professionals guide you in your recovery.