Inpatient mental health treatment can be life-changing for those struggling with mental health conditions. But the cost of care is a common concern for people across the country.
Fortunately, insurance coverage from providers like UnitedHealthcare can significantly reduce out-of-pocket costs for treatment. If you live in Florida and have UnitedHealthcare, you can get essential mental health coverage and minimize the financial burden of treatment.
At Mark Behavioral Health, we work with UnitedHealthcare to make treatment accessible. Read on to learn more about UnitedHealthcare inpatient mental health coverage.
About UnitedHealthcare Coverage for Inpatient Mental Health Treatment in Florida
UnitedHealthcare, a subsidiary of UnitedHealth Group, serves over 51 million members worldwide. It is the largest health insurance provider in the U.S., serving over 26 million Americans.
Their benefits include coverage for mental health care, including inpatient psychiatric care, therapy sessions, medication management, and mental health evaluations.
By covering a wide range of inpatient mental health services, UnitedHealthcare lets its members focus on recovery instead of excessive medical bills.
Mark Behavioral Health works with UnitedHealthcare and other major healthcare providers to make quality mental health care more accessible to people living in Florida.
How Does UnitedHealthcare Insurance Coverage Work for Mental Health Recovery?
UnitedHealthcare provides mental health benefits for Florida residents that help cover the costs of inpatient psychiatric care and related mental healthcare services.
Coverage can vary by plan, but common benefits include:
- Hospitalization for mental health disorders
- Comprehensive psychological assessments
- Medication-assisted treatment (MAT)
- 24/7 inpatient monitoring
- Therapy and counseling sessions
It’s important to understand the details of your UnitedHealthcare plan. This helps you make informed decisions about your mental health and avoid surprise costs.
Does Florida UnitedHealthcare Cover Inpatient Mental Health Treatment?
Yes, the Mental Health Parity and Addiction Equity Act (MHPAEA) states that providers like UnitedHealthcare must cover mental health and addiction treatment at the same level as other medical conditions.
The Affordable Care Act (ACA) also states that all insurance companies must provide mental and behavioral health treatments in their policies. In short, they can’t deny coverage for diagnosed mental health and substance use disorders.
Here is what to know about UnitedHealthcare mental health coverage in Florida:
- UnitedHealthcare has a range of health insurance plans, including Medicare plans, Medicaid plans, and Dual Special Needs plans
- UnitedHealthcare offers mental health coverage as long as your care is an in-network provider
- Your amount of coverage depends on your plan
- Prior authorization is often required for certain services
- You may need a referral from your primary care doctor if you have an HMO or POS plan
- Length of stay and number of therapy sessions may be limited
- Co-pays and deductibles can change based on individual policies
Other Mental Health Programs in Florida Covered by UnitedHealthcare
UnitedHealthcare covers various mental health treatment programs in Florida.
These programs include:
- Residential treatment programs: Inpatient treatment that includes 24/7 monitoring and therapy services is included in UHC mental health coverage.
- Medication-assisted treatment (MAT): FDA-approved prescription drugs and inpatient medication management are included in UHC mental health coverage.
- Outpatient treatment programs: UHC covers various levels of care, including partial hospitalization programs (PHPs), intensive outpatient programs (IOPs), and other outpatient services.
Mark Behavioral Health offers comprehensive, high-quality inpatient treatments. If you’re looking for inpatient care in Florida, we can help.
We do not offer outpatient services, detox, substance abuse treatment, or treatment for a dual diagnosis (co-occurring disorders). If you need these services, we partner with highly rated drug rehab treatment providers, and can offer you a referral.
Mental Health Therapies in Florida Covered by UnitedHealthcare
UnitedHealthcare typically provides coverage for evidence-based therapies.
Covered therapies provided at Mark Behavioral Health include:
Types of Mental Health Disorders Covered by UnitedHealthcare in Florida
UnitedHealthcare in Florida also provides coverage for a variety of mental health disorders.
Covered mental health disorders include:
- Anxiety disorders: Excessive worry, fear, and physical symptoms that affect your daily life and emotional well-being.
- Bipolar disorders: A type of mood disorder that causes emotional highs (mania) and lows (depression).
- Depressive disorders: Persistent feelings of sadness and loss of interest in normal activities.
- Mood disorders: Conditions that affect emotional stability.
- Post-traumatic stress disorder (PTSD): A condition that stems from past trauma, leading to anxiety, flashbacks, and other mental health concerns.
- Obsessive-compulsive disorder: Recurrent, unwanted thoughts (obsessions) and repetitive behaviors (compulsions).
- Panic disorders: Sudden episodes of intense fear or discomfort, often accompanied by physical symptoms like shortness of breath.
- Attention-deficit/hyperactivity disorder (ADHD): A neurodevelopmental disorder with symptoms like inattention, impulsivity, and hyperactivity.
- Schizophrenia: A mental health condition that affects thoughts, emotions, and behaviors. It can cause symptoms like hallucinations or delusions.
Inpatient Mental Health Services Covered by UnitedHealthcare in Florida
Inpatient treatment is the most effective care for severe mental health disorders. UnitedHealthcare covers a range of inpatient mental health services in Florida.
These behavioral health services include:
- Comprehensive psychiatric assessments
- 24/7 inpatient monitoring and crisis intervention
- Medication-assisted treatment and psychiatric medication management
- Individual and group therapy sessions
- Trauma-informed care
How Much Do Inpatient Florida Mental Health Programs Cost with UnitedHealthcare?
The cost of inpatient mental health treatment in Florida with UnitedHealthcare can vary based on multiple factors.
These factors include:
- Your specific insurance plan: Coverage levels vary based on your individual policy. For instance, you might pay less monthly for your premium, but your deductible could be higher as a result.
- Length of stay: Insurance covers inpatient stays, but extended stays may require additional authorization.
- Facility costs: Each rehab center has its own pricing structure, insurance they accept, and financial assistance policies.
- Out-of-network vs in-network: Insurance companies don’t typically cover mental health providers who are out-of-network. It’s best to find an in-network provider.
Although UnitedHealthcare can significantly reduce your costs, there may still be out-of-pocket expenses to consider. Look at co-pays, deductibles, and co-insurance to understand your potential cost for treatment.
How to Check Your UnitedHealthcare Coverage for Inpatient Mental Health Care in Florida
To verify your insurance benefits, you have two easy options.
You can:
- Contact UnitedHealthcare directly: Speak with an insurance representative to confirm your mental health coverage, co-pays, and deductible.
- Verify your insurance with Mark Behavioral Health: Our team can check your insurance benefits and explain your treatment options.
Verify Your UnitedHealthcare Coverage and Start Mental Health Treatment in Florida
If you or a loved one are struggling with mental health concerns, don’t let financial stress stop you from getting help. At Mark Behavioral Health, we partner with UnitedHealthcare to provide high-quality inpatient mental health care to people in Florida at our treatment center.
Contact us today to verify your insurance and take the first step on the road to healing and emotional wellness.
