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UnitedHealthcare Coverage for Addiction Treatment in New York

Finding a rehab in New York that accepts UnitedHealthcare is important if you are struggling with a substance use disorder. With UnitedHealthcare health insurance, you have access to the essential health benefits of marketplace plans, including mental health and substance use disorders.
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Using your insurance to pay for addiction treatment is a great way to lower out-of-pocket costs. UnitedHealthcare (UHC) covers the costs of mental health and addiction services to some extent.

Learn about UnitedHealthcare coverage options for addiction services in New York.

New York and Substance Use

New York may be best known for the Big Apple, but the state has 62 incorporated cities and 555 villages, along with 572 census-designated places.1

Around 20 million people live in the Empire State, with 8.5 million of those residents located in New York City. It’s a great place to live, work, and get the medical care you need, including substance use treatment.

Beyond having a large population and being home to one of the country’s largest cities, New York also has residents that struggle with substance use.

In 2019, the Substance Abuse and Mental Health Services Administration (SAMHSA) found that 16.2% of New York residents aged 12 and older admitted to using marijuana in the past year, and 5.2% struggled with alcohol use disorder (AUD) in the past year.2

UHC Coverage

UnitedHealthcare has a variety of insurance plans available in New York state. You can get health plans for you or your family through the insurance marketplace or your employer, and you may also qualify for Medicaid or Medicare insurance through UnitedHealthcare.3

Some of UnitedHealthcare’s insurance plans are known as Choice Plans, which give you the ability to visit any provider in the insurance network without a referral from your primary care physician.4 You can choose from Choice, Choice Plus, Navigate plans, and an Options PPO plan.4

Each plan has its own coverage options, limits, and requirements, so it’s important to understand the details of your specific plan before you commit to substance use treatment. AAC Admissions Navigators can help you review your plan and determine which treatment centers might meet your needs. We’re available at any time, so please call, use online chat, or fill out the form below for more information.

Does UnitedHealthcare Cover Rehab in New York?

Yes, you can use your UnitedHealthcare insurance to pay for at least part of the cost of rehab in New York. The Affordable Care Act (ACA) requires all long-term insurance plans to cover 10 essential health benefits, which include mental health and substance use treatment.5

Each plan has specific requirements and limits, so make sure you know the details of your plan and choose one of the UnitedHealthcare rehab facilities to maximize the benefits of your insurance. One easy way to review your plan details is by using our Verify Insurance page.

Does UnitedHealthcare Cover Inpatient Rehab in New York?

Each person’s treatment plan is different, but if your doctor includes inpatient treatment in your rehab program, your UnitedHealthcare rehab coverage in New York can help pay at least some of the costs.

Working closely with your doctor is an important part of getting the right care for substance use. Your insurance plan can help pay for both alcohol and drug treatment programs once your doctor has reviewed your situation and recommended an appropriate treatment plan.

There are a variety of common treatment options that UnitedHealthcare may cover, including:6

  • Detox. During detox, your body processes the drugs out so that you can begin treatment with a clean slate
  • Inpatient rehab. During inpatient rehab, you live full-time at the treatment facility so you can create new habits and overcome past trauma without the distractions of daily life
  • Outpatient programs. You live at home during outpatient care and attend treatment a few hours a week. Often, outpatient treatment follows the successful completion of an inpatient program.

Additional Types of Addiction Programs in New York Covered by UHC

Beyond the standard types of treatment, you can also look at specialized addiction treatment programs. This can help you with specific circumstances that might contribute to substance use and give you support after you finish rehab.

Some additional programs include:

  • Couples’ treatment. If your substance use has impacted your partner, or you tend to use substances together, couples’ treatment can help you break free together.
  • Rehab for veterans. If you’re a veteran, thank you for your service. You’ve experienced things that most people have not, and these unique stressors are addressed in rehab programs that focus on veterans.
  • Aftercare. Once you finish treatment, aftercare will give you the ongoing support you need to implement your new habits into your daily life.

Does UnitedHealthcare Cover Mental Health Treatment in New York?

Substance use treatment uses a variety of therapy approaches. This helps the programs address everyone’s needs and provide the motivation and support they need to create a happy, healthy, substance-free life.

Some of the common types of therapy in addiction treatment include:

It’s common to get both substance use and mental health treatment during rehab, especially if you have a mental health diagnosis alongside substance use. Both diagnoses together are known as a co-occurring disorder, and this requires integrated treatment.7

UnitedHealthcare Rehab Facilities

American Addiction Centers is proud to run a network of high-quality substance use treatment facilities around the country.

AAC facilities that may accept UnitedHealthcare include:

  • AdCare Rhode Island. This center offers a variety of outpatient programs. There is also a specialized family program, individual therapy, and aftercare.
  • Desert Hope Treatment Center. Located in Las Vegas, Desert Hope offers inpatient and outpatient care, along with specialized programs for veterans, first responders, and victims of sexual and domestic trauma.
  • Greenhouse Treatment Center. Located in Dallas, Texas, Greenhouse offers inpatient and outpatient programs along with specialized programs for Christians, LGBTQ+, veterans, first responders, and more.
  • Laguna Treatment Center. This center, which is located in Orange County, Calif., offers inpatient treatment programs. There are also specialized programs for veterans and members of the LGBTQ+ community.
  • Oxford Treatment Center. Located in Etta, Miss., Oxford has inpatient and outpatient programs available along with unique activities, including a ropes course, equestrian center, and art studio.
  • River Oaks Treatment Center. Located in Tampa, Fla., River Oaks offers inpatient and outpatient care, specialized programs for veterans, first responders, LGBTQ+, and more. The center includes beautiful outdoor recreational facilities that are perfect for a fresh start.

If these facilities are not part of your insurance plan’s network, you can use our treatment directory and filter by “insurance” to find in-network facilities. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs.

Other Insurances That Cover Addiction Rehab

The ACA requires all long-term health insurance plans to cover substance use care as part of the 10 essential health benefits, so other insurance plans also cover addiction rehab.5

For example, these insurance plans can help cover some or all the cost of treatment:

Other Options to Pay for Addiction Treatment in New York

As you look at paying for rehab with insurance, you may find that your insurance plan only covers part of the cost of rehab, and you have to pay some out-of-pocket. Or perhaps the treatment center you’re interested in doesn’t accept your insurance.

Don’t let that stop you from getting help. There are many ways to pay additional costs not covered by insurance.

For example, you may be able to find a program that offers a scholarship or can set up a payment plan for your portion of the cost. There are also free rehab options and state-funded rehab centers that may be able to offer the care you need.

What’s most important is that you get the care you need to break free from substance use. You deserve a happier, healthier life. We want to help. Contact us today to get started.


  1. United States Census Bureau. (2022, July 26). Stats and facts about New York.
  2. Substance Abuse and Mental Health Services Administration. (2020). Behavioral health barometer, New York.
  3. UnitedHealthcare. (2023). Shop all UnitedHealthcare plans.
  4. UnitedHealthcare. (2023). Choice plans.
  5. (n.d.). What Marketplace health insurance plans cover.
  6. (n.d.). Treatment options.
  7. National Institute on Drug Abuse. (2020). What are the treatments for comorbid substance use disorder and mental health conditions?
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