Using United Healthcare Insurance With Optum for Drug & Alcohol Rehab

If you have a UnitedHealthcare plan through Optum, your addiction treatment at River Oaks may be partially or fully covered. Keep reading to learn more about using insurance to pay for rehab, the various treatment options available under UHC/Optum, and tips on maximizing your health insurance benefits to receive the care you need.

What Is Optum United Healthcare Insurance?

UnitedHealthcare (UHC) and Optum are both part of UnitedHealth Group, which offers medical benefits across all 50 states, including Florida.^1,2 

UHC serves as a national insurer, providing healthcare coverage for individuals, families, and employers, as well as Medicare and Medicaid recipients.³ Optum collaborates with UHC, various insurance providers, health systems, and employers to deliver specialized health and wellness services, including mental health support such as addiction treatment.^4,5

It’s important to note that Optum is not an insurance company; instead, it partners with UnitedHealthcare to facilitate coverage for a range of health services. If you have a UnitedHealthcare plan, Optum can assist you in finding a covered provider.

Does Optum Cover Drug & Alcohol Rehab?

Yes, if your health insurance plan includes Optum, there’s a good chance that your addiction treatment will be at least partially covered, if not fully. However, the extent of coverage can vary significantly based on your specific policy and whether you select a rehab facility that’s in-network with UnitedHealthcare.^5,6

Before starting treatment, it’s essential to verify your UHC/Optum coverage for alcohol and drug rehab. Here are a few ways to confirm your benefits:

• Online Portals: Access the UHC and Optum member portals for detailed information about your coverage and benefits.
• Customer Support: Call the number on the back of your insurance card to speak with an Optum representative who can assist you.
• Direct Contact: If you have a specific treatment center in mind, reach out to them directly. They can check if they accept Optum insurance and help you explore the best treatment options available.

Which Types of UHC Plans Cover Addiction Treatment?

UnitedHealthcare plans that typically offer coverage for mental health and addiction treatment include:⁶

• Individual and Family Plans: These private insurance options are available for families and individuals, either through an employer or purchased on the Health Insurance Marketplace.
• Medicare Plans: Designed for individuals aged 65 and older, as well as those with qualifying disabilities.
• Medicaid Plans: Tailored for low-income families and individuals, providing essential health coverage.

What Levels of Care Does Optum/UHC Cover?

​​With your UHC/Optum coverage, you may have access to a variety of evidence-based treatments for substance use disorders, including:

• Medical detox or withdrawal management: A supervised program designed to help patients safely and comfortably detox from drugs and alcohol.
• Residential rehab: An immersive treatment setting where patients reside at the facility, allowing for a focused and dedicated recovery experience.
• Outpatient rehab: This includes options such as partial hospitalization (20+ hours per week) and intensive outpatient programs (9+ hours per week). Outpatient treatment provides the flexibility of living at home while still receiving care, and can be utilized alone or as part of an aftercare strategy after completing inpatient treatment.
• Prescription medications: Depending on your specific plan, certain treatment medications may be prescribed to support your recovery process as needed.

Is River Oaks In-Network With Optum/UHC?

Yes, River Oaks Treatment Center is in-network with Optum/UHC for all levels of care. To see if your UHC/Optum plan covers addiction treatment at River Oaks, use our simple and secure .

We’ll email you back within minutes, confirming important insurance details and next steps.

How to Cover Costs Not Covered by Optum Insurance

Seeking treatment at an in-network facility with Optum/UHC, such as River Oaks Treatment Center in the Tampa metro area, is typically more cost-effective. However, many quality treatment programs also provide various forms of financial assistance and rehab payment options to help cover any out-of-pocket expenses not covered by insurance.

The cost of addiction treatment with UHC/Optum will vary based on a person’s , , , and specific insurance policy.

Additionally, out-of-pocket expenses may vary depending on the levels of care required for the substance use disorder, as well as any co-occurring mental health disorders or related medical conditions.

Get In-Network Treatment at River Oaks

Although there are options to pay for rehab without insurance, utilizing health insurance can simplify the process, expand your choices, and reduce costs significantly.

If you or a loved one is facing addiction, know that you’re not alone, and it’s never too late to seek help.

To explore the programs available at our inpatient rehab near Tampa and to start your journey to recovery, call us at today.