What Does Optum Insurance Offer For Drug and Alcohol Rehabilitation Coverage?
Optum is part of the UnitedHealth Group. UnitedHealth Group is one the largest healthcare distributors in the nation. Optum strives to provide alternative insurance to more than 70 million Americans. They ensure everyone gets a health care plan that best suits them.
Coverage for Drug and Alcohol Treatment
Optum covers most of the substance abuse and chemical dependency treatments for UnitedHealth. Optum’s plans offer wide coverage to all kinds of rehab programs. The following are examples of what their plans will cover:
- Outpatient Rehabilitation
- 12-step Programs
- Holistic Treatment Options
- Inpatient Rehabilitation
- Dual Diagnosis
- Alternative treatments
- Wilderness Rehabilitation.
- Withdrawal Management Medications
The list goes to show the various rehab options Optum will cover. However, some of the treatments require Optum’s pre-certification before receiving them.
Duration of Coverage:How Long Can I Stay In Rehab With Optum?
Just as the options are wide, so are the durations. Reha is not a fixed program. Several factors can affect how long a patient stays. In some cases, inpatient care is followed by partial hospitalization, or outpatient care. Thus, it’s best to consult Optum’s specialists to find out just how long they can cover.
Inpatient and Outpatient Care
Rehab and detox programs are split into two categories: Inpatient and Outpatient. Inpatient treatment involves the patient living in the facility for the entire duration.
Inpatient care offers a controlled environment with constant monitoring and round-the-clock care. After completing an inpatient care program, some physicians recommend outpatient care as maintenance.
Outpatient care has fewer services. Though they help patients to continue with their normal lifestyle. Outpatient care is usually considered when the patient is:
- Not at risk of harming others
- The patient has sufficient behavioral control during outpatient treatment
- No or low risk of withdrawal complications
- Other substance intakes don’t undermine the treatment
- Pre-existing physical or mental conditions are manageable
If the patient needs rehab and does not meet the outpatient criteria, they may be given inpatient care, or partial hospitalization. This is a longer and more comprehensive outpatient treatment.
Extra Amenities: Luxury and Executive Treatment
Rehabilitation is a hard enough process for patients. To those who can afford it, Optum’s plans cover luxury rehab suites. They also offer executive rehab treatment. Luxury rehab provides patients with top of the line amenities such as swimming pools, gyms, and gourmet food. Executive rehab is catered to allow patients to keep in contact with their business and associates.
Health insurance made it so that addiction treatment is within financial reach. Even if people don’t have insurance, but are concerned about their health, it’s still good to contact an insurance provider and find a compromise. The saying “Health is Wealth” is stronger than ever, so we all should invest in our health. It’s far better being healthy in the long run, than being rich but sickly.