Get Help Covered Using Optum Health Insurance at Ingrained
Where can you turn when looking for drug rehabs that take Optum insurance? You want to ensure that a treatment center accepts your insurance coverage and minimizes your out-of-pocket spending, allowing you to focus on healing instead of the financial burden.
But how do you know what Optum insurance is going to cover when it comes to your treatment?
Optum health insurance covers addiction treatment and mental health treatment under the Affordable Care Act and may cover the cost of an inpatient stay in full. Gain access to a combination of medication-assisted treatment and behavioral healthcare services. Look for evidence-based therapies and an individualized plan for your care.
Ingrained Recovery offers both medical detox and inpatient treatment so that you can get the help you need at a level that works for you. Our admissions team can verify your Optum insurance benefits in a quick and confidential phone call today, so keep reading for more info on using your Optum policy for treatment, and feel free to reach out to us at any time!
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What Does Optum Health Insurance Cover?
For many clients, they want to know what their insurance coverage is going to kick in on the costs of their overall treatment. Understanding your benefits starts with a closer look at your policy or you can call our admissions team for quick verification.
What does Optum insurance cover: over the coming sections, we will answer fully how to use your Optum benefits to obtain effective addiction and dual diagnosis treatment.
The Affordable Care Act and Essential Health Benefits
The good news is that Optum health insurance is required to cover drug and alcohol addiction treatment regardless of your plan. The 2010 Affordable Care Act mandated that health insurance companies must include substance abuse and mental health treatment as covered services.
This means that your insurance provider is required to cover these essential services to the same degree that they would cover medical or surgical treatment for another condition. They must pay an equivalent percentage toward these treatments, though that doesn’t mean they will covered in their entirety.
Essential health benefits provide you with protection under the law and give you an avenue to pursue the coverage you need for substance use issues. However, it’s important to understand that you may have coinsurance payments or may need to meet a deductible first. Our admissions team can help you get to the bottom of your coverage.
Choosing a Facility for Drug and Alcohol Treatment
Does Optum insurance cover drug and alcohol rehab? The short answer is yes, but the amount covered may depend on the facility you select. In-network facilities tend to be less expensive because they will negotiate rates with the insurance company. As a result, your treatment may be covered in part or in full regardless of which services you need.
Ingrained Recovery’s treatment center might be covered as part of your Optum health insurance based on your location and your specific needs.
Keep in mind that out-of-network providers are also an option with your Optum health insurance. Just because they are out-of-network doesn’t necessarily mean that you won’t have coverage for alcohol and drug rehab programs at Ingrained. Let our admissions team help you understand your benefits, regardless of in-network or out-of-network care.
What Will You Pay Out of Pocket?
The truth is that there are no hard and fast rules about what your Optum health insurance is going to cover. The specifics of coverage depend on your policy which can make it more difficult to face the specter of substance use or mental health treatment.
Health insurance may require you to spend a certain deductible before coverage hits, regardless of the selected facility. On some plans, it’s a low threshold while other plans are known for high deductibles.
Once you pay the initial amount required by insurance, they may still require you to pay a coinsurance payment. This is often represented as a percentage of the bill for your treatment. That means that a more expensive facility might have a higher coinsurance payment, though the percentage is the same no matter which treatment center you choose.
However, there is still an out-of-pocket maximum on most Optum insurance plans. Once you spend this amount in a calendar year, insurance covers the remainder of the bill. You will never have to spend more than this maximum dollar amount.
Ingrained Recovery can walk you through the process of what your insurance will cover over the phone with no commitments required. It gives you a better idea of the potential cost so that you can prepare.
The Services Covered by Optum Insurance for Substance Use and Mental Health
You may be wondering what exactly is covered under the umbrella of your Optum health insurance. If you intend to seek treatment, know that there is a robust set of services that are often covered at least in part by insurance. Here is what you can expect from substance abuse and mental health treatment.
Dual Diagnosis and Mental Health Treatment
One in four adults living with serious mental illness also has a substance use disorder, according to research from the Substance Abuse and Mental Health Services Administration. Oftentimes, your substance use might mask an underlying condition that contributes to poorer long-term outcomes.
Ingrained Recovery offers dual diagnosis treatment so that you can get help for mental health as well as addiction treatment. Your designated treatment provider will assess you for common conditions that can overlap with substance use such as mood disorders, anxiety, personality disorders, and more.
Once we get to the bottom of potentially co-occurring mental health disorders, we can assist you in finding new ways to manage your condition and maintain long-term sobriety.
Medication-Assisted Treatment and Insurance Coverage
It might make sense for your treatment provider to prescribe a medication that can ease your transition to sober living. In addition to insurance coverage for drug rehab, will your Optum insurance cover the medication necessary to help you become more comfortable?
Optum health insurance does include medication-assisted treatment as part of their covered services. This can be particularly helpful for those struggling with opioid addiction who may need to taper their use of the drug as they enter the early days of sobriety.
It could also mean treatment under our mental health services. We may be able to prescribe and then monitor your reaction to anxiety medications, antidepressants, and more.
Getting Behavioral Health Services at a Drug and Alcohol Rehab
When you have a substance abuse issue, behavioral healthcare services are an essential part of the puzzle that you won’t want to ignore. Long-term sobriety is achieved through more than managing the withdrawal symptoms of your addiction. It also requires you to get to the bottom of why you turn to drugs and alcohol.
Ingrained Recovery offers the behavioral health services you may need to kick the habit. We offer the latest evidence-based therapies including cognitive behavioral therapy, dialectical behavioral therapy, equine therapy, and more. All of these services can make a major difference in giving you coping skills that enhance your commitment to sober living.
Complementary Therapies Covered by Optum
Luxury facilities may give you access to some beneficial therapies beyond those traditionally offered in inpatient treatment. For example, you may participate in art therapy, music therapy, and equine therapy at Ingrained. Even yoga and physical movement can be part of your treatment plan and may be covered by Optum.
When you are discharged from inpatient treatment, these same services may not be covered during an outpatient program. Take advantage of the therapies that are available to you here and now with your treatment at Ingrained Recovery. You’ll be glad to have those skills in your toolbox upon discharge.
Individualized Treatment Plans for Inpatient Treatment
When you start drug and alcohol addiction treatment, you want to ensure that you’re getting the exact care that you need. Optum insurance coverage gives you access to the services you need, not just the services that are rendered as inexpensively as possible.
Our treatment center at Ingrained can help you create a customized treatment plan for your substance use issue as well as dual diagnosis help. Our treatment team specializes in creating individualized plans that get to the heart of why you need to turn to a treatment center for assistance.
Don’t settle for a cookie-cutter approach to therapy when you could have customized treatment with your Optum health insurance.
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Levels of Treatment Covered Under an Optum Health Insurance Plan
When it comes to addiction treatment, there aren’t always one-size-fits-all solutions. You deserve to have care personalized to your unique needs and struggles. Ingrained Recovery can create a custom treatment plan for you within the framework of our two most popular services: medical detox and our residential treatment program.
Medical Detox for a More Comfortable Experience
There’s no denying that the early days without drug and alcohol addiction will be uncomfortable. Most of our clients struggle with the withdrawal symptoms that surface after long-term substance use gets phased out. Allow our team of medical professionals to make you as comfortable and successful as can be in these early days.
Under the umbrella of our medical detox, we also offer medication-assisted treatment. This allows us to prescribe medications that counteract the worst of your withdrawal symptoms. For example, we may be able to prescribe something for nausea and vomiting, anxiety, or insomnia.
All of this is enhanced by around-the-clock care from our treatment providers. No matter what time of day or night, you have access to someone who can offer you the support needed to embrace sobriety.
Residential Treatment for Long-Term Impacts
Once you leave a medical detox, the next logical step on your path to healing is to enroll in a residential treatment program. You will reside in our luxury facility and retain 24/7 access to our treatment team as you need it. We can continue with medication-assisted treatment and work on developing coping skills that negate the need for substance abuse.
Take advantage of the many services offered under the umbrella of your program, including individual therapy, group therapy, and even equine therapy. All of the services available to you are part of your unique individualized treatment plans, developed for each client. Your program is just as unique as you are.
Our team is skilled in dealing with both addiction treatment and mental health treatment so that you can get to the bottom of why you feel the way you do and learn how to resolve it.
Intensive Outpatient Programs to Transition Back to Life
Of course, many facilities that accept Optum health insurance also offer intensive outpatient programs to help you transition to a lower level of care. Spend several hours each day in treatment and then go home to your family, loved ones, and your own bed at night.
You may even be eligible for some of the same ancillary therapies that you can choose to participate in while in an inpatient setting. It’s worth considering for long-term management of substance use. When you’re ready to leave residential, look for intensive outpatient programs to smooth the transition.
Up To 100% of Rehab Costs Covered By Optum
Get Treatment Covered Using Optum at Ingrained Recovery
Whether you need help with your mental health or substance use disorders, or both, Ingrained Recovery is here to help you make the most of your desire to change. We can help you navigate the early stages of your recovery and give you the support necessary to maintain sober living.
If you have an Optum health insurance plan and want to know what will be covered, let our admissions team verify your insurance coverage. We can give you an idea of expected out-of-pocket costs with a health insurance plan and help you make arrangements for treatment. All calls are quick and completely confidential.
Reach out to us today to learn more about how we can help you start your addiction treatment today!
References
- National Archives and Records Administration. Substance abuse and the Affordable Care Act. National Archives and Records Administration.
- Substance Abuse and Mental Health Services Administration. (n.d.-h). Mental health and substance use co-occurring disorders.
- Aletraris, L., Paino, M., Edmond, M. B., Roman, P. M., & Bride, B. E. (2014). The use of art and music therapy in substance abuse treatment programs. Journal of addictions nursing, 25(4), 190–196.
- Diaz, L., Gormley, M. A., Coleman, A., Sepanski, A., Corley, H., Perez, A., & Litwin, A. H. (2022). Equine-assisted services for individuals with substance use disorders: a scoping review. Substance abuse treatment, prevention, and policy, 17(1), 81.