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Each year, thousands of people across America make the choice to seek help for their drug or alcohol addiction. In addition to their dependency, they may also need assistance for a co-occurring mental health disorder. Professional treatment can make a world of difference, but what about the cost?

A person considering rehabilitation may wonder, “Will United Healthcare cover the cost of my rehab?” Fortunately, United Healthcare rehab facilities can help those seeking addiction and mental health treatment.

About United Healthcare

Since 1977, United Healthcare insurance has provided affordable coverage plans to our clients. Boasting a wide array of coverage policies and affordable options, we pride ourselves on being a staple in the healthcare community. Serving more than 26 million Americans annually, we have helped countless clients to achieve lasting sobriety and a lifetime of wellness.

As one of the largest health insurance providers in the nation, United Healthcare has options to specifically meet the needs of our clients. The majority of our coverage plans cover addiction treatment. However, the payment of services as well as the upfront costs may vary depending upon both location and policy.

In order to best aid our clients, United Healthcare has a separate division called United Behavioral Health. This branch provides confidentiality and allows people to speak with a substance abuse healthcare provider. With a wide ranging host of coverage options, United Healthcare rehab facilities has a plan for everyone.

Does United Healthcare Cover Rehab?

In short, United Healthcare has policy coverage for most substance abuse treatments. The types of rehab programs typically covered fall under one of four main categories:

  • Outpatient drug and alcohol abuse rehabilitation
  • Outpatient detoxification
  • Inpatient hospital detoxification
  • Inpatient rehabilitation

It is important to note that some policies may have pre-certification requirements that must be met prior to recovery. These may depend upon both the services provided. It can also depend on whether or not a program is an inpatient or outpatient one.

Does the Rehab Center Need to be In-Network?

Contrary to what many people initially believe, the rehab center does not require it to be in-network. However, if the center is not in-network, this may result in larger coinsurance or copay rates. Other plans may not cover services that are out-of-network at all, meaning a person would be responsible for the entire cost. Because of this, it is best to first contact a United Healthcare representative in order to determine total costs, and if out-of-network coverage will be approved.

Inpatient Coverage

There are a couple of key factors in determining inpatient coverage at United Healthcare rehab facilities. This type of coverage depends on both the specific type of plan a person has. It also depends on the state that they live in. Additionally, United Healthcare provides individual and family insurance plans, but also offers short-term health insurance coverage which may provide coverage for substance abuse treatment. 

Short-term medical plans with United Healthcare can help a person cover their expenses. However, the exception to this is the Short Term Medical Value plan. This is the lowest premium plan, and it does not cover substance abuse treatment expenses. In contrast, the remaining short-term plans UnitedHealthcare offers all have some degree of coverage. 

Short Term Medical Plus policies, as well as others offered by United Healthcare, can provide a 20% to 30% deductible. After its payment, insurance plans can cover anywhere from 1,000 to 10,000 dollars worth of expenses. However, many of these plans carry a term maximum of $3,000. This means the individual policyholder will have to cover any expenses over this amount.

insurance paperwork for United Healthcare Rehab Facilities

Outpatient Coverage

Many of the offerings in United Healthcare’s outpatient coverage plans are similar to those of their inpatient coverage plans. Expenses may vary, however, United Healthcare offers options for short-term coverage for outpatient care. This means low-level and short-term plans are both available to help with the cost of treatment.

The short-term plans of United Healthcare’s outpatient coverage require a 20% to 30% coinsurance after deductible. Additionally, for individual outpatient doctor visits, clients are limited to $50 per visit. There is also a $3,000 policy term maximum for each person covered under short-term coverage.

United Healthcare Rehab Facilities

By utilizing United Healthcare services, a person can greatly reduce their cost of treatment. For many people, the cost of treatment can be a point of contention. This can make or break a person’s decision to join recovery. Because of this, United Healthcare is proud to offer affordable coverage plans.

Additionally, short-term options are provided to help those who truly need it the most. For more information or an in-depth look at your personal policy options, contact a United Healthcare representative today. Visit our admissions page at Pacific Sands Recovery for more information on insurance coverage and insurance verification.

Drug and Alcohol Rehab in Orange County, CA

At Pacific Sands Recovery, it is our mission to make your recovery journey a success. We understand the hardships that addiction and mental health disorders can create. For this reason, we have dedicated ourselves to effective treatment that results in lasting sobriety. With treatment available for drug and alcohol addiction, as well as dual-diagnosis, our United Healthcare rehab facilities can be the first step to a new life.

By partnering with United Healthcare, we can provide even more coverage options to our clients to help lower the cost of their treatment. Additionally, those with Cigna or Aetna insurance will be excited to learn drug rehab coverage is available. There has never been a better time to get you or your loved one the help they deserve.

Contact our admissions page today to learn more and begin your journey to lasting wellness.



  • I would just like to share how Grateful I am with my experience through my addiction at this facility. I couldn’t possibly ask to be in such a “SAFE/COMFORTABLE” environment while receiving treatment for my addiction. I would just like to say Thank you sooo much to ALL the staff there from the Nurse’s to counselors and therapist all of you are a True Blessing in helping me through my journey of sobriety. I couldn’t feel more comfortable there on how they monitored my physical health and on dealing with my emotional health with there therapy sessions and groups I truly see them ALL as Family!

    Andrew N.
  • As a professional in the recovery field I have worked with many detox centers and none compare to The this one. Their staff is incredibly attentive and knowledgable regarding the needs of individuals seeking recovery from the very start. Their facility is welcoming and homey while remaining very luxe. I would recommend this facility to any loved one or friend looking to start down their journey of sobriety.

  • This place helped saved my life, and a great stepping stone to get my life on the right track. Was there first client under new management, caring staff and owners, comfortable place to get you on your feet in sobriety.

  • Great Staff. Comfortable Environment. Awesome place to Get Clean and Sober. Thank you guys for everything.


    Pacific Sands Recovery Center

    1909 W Carlton Pl
    Santa Ana, CA 92704


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