Insurance helps the average person be able to afford substance abuse treatment. But the specifics of what’s covered by your insurance plan can vary quite a bit from provider to provider.
If you have coverage from Optum, you’re in the right place. We put together this article to tell you everything you need to know about Optum insurance plans and substance abuse treatment.
Keep reading to learn more.
What is Optum?
Optum is a healthcare provider and pharmacy benefit manager that’s a subsidiary of United Health Care. One thing to note about the company is that it doesn’t actually offer insurance plans directly to consumers.
So although you may use Optum to manage your prescriptions or schedule appointments with physicians, this probably isn’t actually the company that manages your insurance plan.
Instead, your insurance coverage is likely offered through United Health Care or another one of its subsidiaries.
What types of Optum coverage are available?
Optum doesn’t offer insurance directly to consumers. But it does offer a wide variety of healthcare services that could come in handy while you’re pursuing treatment for your substance abuse problem.
Currently, Optum is available in each of the following 15 states:
- New Jersey
- New Mexico
- New York
Does Optum cover rehab?
Optum doesn’t cover the costs of rehab directly. But it could assist you in getting your rehab charges paid by an insurance provider like United Health Care.
That being said, your exact coverage and out-of-pocket costs can vary quite a bit based on the nature of your plan. If you pay a high monthly premium, that’s usually a good sign that you will pay a lower amount of money out-of-pocket for your treatment. But nothing is guaranteed.
What other types of treatment are covered by Optum?
If you have insurance through United Health Care or one of its subsidiaries, then you could have coverage for many different types of medically-necessary substance abuse treatment options. This is a list that includes:
- Inpatient rehab
- Outpatient treatment
- Mental health services
- Intensive outpatient and partial hospitalization programs
- Medication-assisted treatment
- And more
If you have a plan with lots of coverage for substance abuse problems, you may even be able to reduce your costs for specialty treatments like meditation and nutrition work.
Does Optum offer Medicare or Medicaid coverage?
You can’t get your Medicare or Medicaid coverage handled by Optum directly. But the company does make it easier to take advantage of United Healthcare’s Medicare and Medicaid coverage.
You can visit Optum’s website or United Health Care’s website to learn more about these options.
How do I learn more about my Optum coverage for substance abuse treatment?
There are two main ways that you can learn more about the coverage that you have for substance abuse treatment. One option is to reach out to Optum directly. They can give you a general overview of the types of care that you have coverage for through an insurance provider like United Health Care.
But in order to figure out the amount that you’re going to need to pay out-of-pocket for substance abuse treatment, you need to talk to the facility that you want treatment at.
That’s why the best next move for you could be reaching out to a treatment center like The House of the Rising Son.
Our addiction specialists can verify your insurance for you to make sure that we accept it. Then they can tell you exactly what you have coverage for so that you don’t have any surprises once you begin receiving treatment.
Ready to get started? Reach out to us today.