Even if you are self-employed or don't have employer insurance, residents of New Jersey still have more insurance options than they might think. United Healthcare offers a wide range of healthcare solutions to meet the needs of its members, including those struggling with drug and alcohol use disorders.

 

The following are the commercial health plans offered by United Healthcare in New Jersey:

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All Savers Health Plans

 

This self-funded health plan helps people pay for everyday health-related expenses before they meet their deductible. The plan is under the United Healthcare Motion program that provides financial incentives by reimbursing out-of-pocket medical expenses.

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United Healthcare Choice and Choice Plus

 

This plan allows you to select a specialist or physician from United Healthcare's network without needing referrals to earn benefits. Members under Choice must receive treatment from in-network providers to receive coverage. Out-of-network providers can only receive benefits if it's an emergency. With United Choice Plus, you can receive some low benefits for treatment provided by out-of-network providers.

  

United Healthcare Options PPO Plans

 

This health plan allows you to choose an out-of-network specialist or provider without a referral. However, it's your responsibility to get prior approvals for both in and out-of-network providers. If you choose an out-of-network provider, your out-of-pocket expenses will be higher, but you can opt for a lower benefit with higher deductibles and co-insurance.

    

United Healthcare Insurance Costs

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Using your United Healthcare Group insurance plan may be easier if you understand some standard health insurance terms when calculating and managing your rehab treatment costs. Here are the different types of health insurance costs and how they work:

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• Premium: This is the amount you pay monthly or annually to keep your health plan active. Some programs have higher premiums and lower deductibles, while others offer low premiums with high deductibles. 

• Deductible: This is the amount you pay out-of-pocket for treatment before the health plan can start helping with payments. While it has a higher upfront premium, low deductible plans are ideal for members with substance use disorders. 

• Co-pay: Co-pay is a fixed amount you have to clear (usually when you receive the treatment) for covered treatment services. The amount will vary depending on the type of treatment and provider.

• Co-insurance: It's the percentage you and your insurance provider decide to share when paying treatment costs. Typically, co-insurance percentage range from 20% to 40%, and the insurance company clears the rest.