Optum Insurance Rehab Center

It is very likely, but your policy will provide Optum addiction treatment, at least partially. However, the type of health care plan, the rehab center you choose, and your location are all carefully considered when determining how much coverage you get for Optum addiction treatment.

Types of Optum Insurance Rehab Plans

Your rehab coverage is determined mainly by the state in which you live. Other services included in your plan may or may not extend to hospitalization for partial hospitalization rehab or pharmacy costs for drugs associated with your recovery or ongoing treatment.

HMO

Your state will dictate the plans available to you, like an HMO or PPO. Both kinds cover basic medical, dental, and vision care, but with an HMO, the out-of-pocket expenses you are required to pay for rehab are generally lower. With an HMO, you probably have no co-pay, or if you do, you have a minimal co-pay. 

However, you will also need a referral from your primary care physician for rehab, and you will have to use an Optum in-network rehab center. 

PPO

With a PPO, you typically have higher co-pays and higher out-of-pocket costs. However, you don’t need a referral from your primary care physician to go to rehab, and you can choose whichever provider you want regardless of whether they are an Optum in-network rehab facility. 

Medicaid and Medicare

Medicare and Medicaid options are offered through Optum for those over the age of 65. Under Medicaid, your rehab treatment services are likely covered, but it comes down to the state where you live. 

Inpatient Treatment

Optima insurance plans usually cover inpatient treatment where you have to remain full-time at a rehab facility. This process usually starts with detox. Detoxification programs often use medications to help manage your withdrawal symptoms. You are generally under the direct supervision of medical staff. Your detox might even take place in a hospital.

After that, your inpatient treatment provides you with 24-hour supervision while you reside at a rehab facility and undergo medical and behavioral care. The type of inpatient services you receive usually include individual and group therapy and possibly medication management.

Exactly how many therapy sessions, what types of medications, and which services are covered is based on your plan. This is why it’s important to reach out to Indah Recovery to verify your benefits.

Outpatient Treatment

Outpatient treatment usually takes place after detox and involves more individual and group therapy, sometimes including family therapy options. Depending on your plan, outpatient treatment might be covered to a certain extent.

Your plan will also dictate what you have to pay out-of-pocket in terms of a deductible before your insurance policy covers the remaining costs.

Medication-Assisted Treatment

Medication-assisted treatment and detoxification services might also be covered under your insurance policy. Some rehab facilities rely on medication-assisted treatment for opioid addiction or alcoholism. 

In these cases, you remain under direct supervision at a facility or hospital while being given FDA-approved medications. These help ease your withdrawal symptoms and make you more comfortable during detox.

Contact Indah Recovery for questions about your Optum insurance rehab in Orange County.