United HealthCare For Addiction Treatment in New Jersey

UHC Coverage

UnitedHealthcare offers multiple plan options for individuals and families, employers, people with low income, and seniors. Here are some typical UHC plans and policies you may be eligible for:²

• Employer plans. Many employers offer healthcare packages for their employees. UHC provides options for group insurance for companies, including small business and large organization plans.
• Medicaid plans. UHC offers a wide range of Medicaid plans for individuals and families with lower incomes. Coverage varies by state, but pregnant women, children, older people, and people with disabilities often qualify.
• Medicare plans. If you are 65 or older, you might qualify for a UHC Medicare plan. Multiple plans cover some costs for benefits like healthcare, dental, vision, and prescription drugs.
• Supplemental insurance. UHC also offers additional insurance, including dental, vision, travel insurance, and critical illness insurance. You can add these benefits to your initial insurance plan.
• UHC Choice Open Plan. The Choice Open Plan lets you choose a network physician or specialist from the UHC Choice network without a referral from your primary care provider. These plans allow you to save money using the national network and only include out-of-network coverage for emergency services.
• UHC Choice Plus. Like the Choice Open Plan, the Choice Plus Plan lets you visit in-network providers without a referral. You’ll also receive coverage for out-of-network providers.
• UHC PPO. UHC PPO plans let you use any provider in the national network. If you choose an out-of-network provider, you’ll have to pay higher costs out of pocket and get approvals for network and non-network services.

Does United Health Care Cover Rehab in New Jersey?

United Healthcare covers at least some of the cost of rehab and other addiction services. However, the amount of coverage you receive is based on your specific insurance plan. It’s best to verify your insurance to know what’s covered. You can check your benefits by calling the number on the back of your insurance card or contacting AAC at .

Does United Health Care Cover Inpatient Rehab in New Jersey?

UnitedHealthcare also covers inpatient rehab in New Jersey to some degree. Inpatient rehab provides a safe space to live for the duration of treatment and provides 24/7 care and clinical supervision.³

Different factors influence the level of coverage you’ll receive, including the level of care you require. Addiction treatment differs for everyone, and what works for one person may not work for another.³ This is why various options for addiction care exist; to meet you where you are in your recovery journey.

For example, you might need to start treatment in detox. Detox provides a space to safely stop using drugs or alcohol while under the supervision of medical professionals.³

If your addiction is mild, you might benefit more from outpatient care, where you can receive treatment while still living at home.³ No matter the level of care you require, UnitedHealthcare insurance often covers at least a portion of both drug and alcohol addiction treatment.

Additional Types of Addiction Programs in New Jersey Covered by UHC

Your UHC insurance may also cover other addiction programs in New Jersey. Here are some common programs that could be covered under your UHC plan:

• Couples rehab. If you and your partner are both struggling with addiction, couples rehab is a great option to build coping skills together and repair your relationship.
• Rehab for Veterans. Veterans often experience Post-Traumatic Stress Disorder which can contribute to addiction. Some rehabs offer special programs focused on Veteran recovery through tailored evidence-based approaches.
• Addiction aftercare. Mental health professionals recommend continuing care after treatment.³ Some aftercare options include sober living homes, 12-Step programs, and ongoing therapy.

Does United Health Care Cover Mental Health in New Jersey?

UnitedHealthcare also covers mental health treatment in New Jersey. Typically, mental health professionals use a combination of various therapies in addiction treatment. ³ Some focus on recognizing and changing your behaviors, while others help you rebuild relationships with loved ones. Some therapies your UHC plan might cover include:

• Cognitive-behavioral therapy (CBT).
• Contingency management (CM).
• Rational emotive behavior therapy (REBT).
• Dialectical behavior therapy (DBT).
• Motivational interviewing (MI).
• Eye movement desensitization and reprocessing (EMDR).
• Family therapy.
• Matrix model.

United Healthcare Rehab Facilities

American Addiction Centers (AAC) provide access to some of the top treatment facilities in the nation. Here are some of the AAC facilities that UHC may cover:

• Oxford Treatment Center
• Greenhouse Treatment Center
• AdCare Hospital
• Desert Hope Treatment Center
• Laguna Treatment Center
• River Oaks Treatment Center
• Recovery First Treatment Center

Other Insurances That Cover Addiction Rehab

Most major insurance companies cover addiction rehab.⁴ Some other potential options for coverage may include:

• Aetna
• Ambetter
• Blue Cross Blue Shield
• Cigna
• Humana

Other Options to Pay for Addiction Treatment in New Jersey

There’s always the possibility you’ll have additional costs not covered by insurance or your insurance won’t cover the facility you choose. In addition, the amount of time you spend in treatment can affect how much you pay. The longer you stay in treatment, the more it will cost.

While paying for addiction treatment with insurance may initially cover services, your insurance will likely cap the amount they spend annually and you’ll have to pay for any additional costs another way.

Thankfully, there are many other ways to pay for addiction treatment in New Jersey, including paying without insurance. Along with using cash, credit, or loans, many state-funded programs and free rehab options are also available.

American Addiction Centers (AAC) can help you verify your UHC insurance and find a suitable program. Reach out today to speak with an admissions navigator at and start your journey to recovery.

1. United Healthcare. (n.d.). UnitedHealthcare Medicare Advantage coverage summary.
2. United Healthcare. (n.d.). Shopping for health insurance plans?
3. National Institute on Drug Abuse. (2018). Principles of drug addiction treatment: A research-based guide (third edition).
4. Healthcare.gov. (n.d.). Affordable Care Act (ACA).