Optum Therapy Rehab NJ: Costs, and Services Covered

The high cost of mental health treatment is one of the reasons that keep people from reaching out to New Jersey therapists. That’s why Optum insurance in NJ provides rehab facilities coverage for as many as 2100 treatment providers in NJ. With Optum therapy, you can receive the following at economical prices:

• Psychiatric evaluations
• Prescription and refills
• Alcohol and Drug Counseling 
• Addiction Therapy 
• Inpatient Treatment
• Outpatient Mental Health Treatment
• Online Therapists Appointments

Not sure what services your Optum NJ insurance covers? Verify your insurance 844.445.2565.

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Why Optum Coverage?

While addiction rehabs do accept insurance, not every insurance plan covers mental health therapy. When choosing insurance for rehab, you must check with your provider to see if they also provide coverage for mental health treatment. But if you have Optum insurance in NJ, then you would be happy to know that Optum/UnitedHealthcare does cover costs for addiction therapy and counseling. 

Importance Of Insurance-Backed Optum Therapy For People With SUD

Substance abuse and mental health issues often co-exist. This co-existence of substance use and mental disorders is called dual diagnosis. Overlooking dual diagnosis will make addiction treatment complicated and might even halt your recovery. It’s essential to seek therapy to keep your recovery goals in check. It is also a fact that treatment is not affordable for everyone, but having Optum coverage can reduce the cost of dual diagnosis treatment for you.

Cost Breakdown of Optum Insured Mental Health Treatment

Let’s take a look at how Optum is an affordable option for those undergoing addiction treatment. Online substance abuse psychiatrists near you in NJ  can cost you from $100 to 1000$ per session. Whereas, on average, people need at least 15–20 sessions until they find their brain working back to normal. 

If we do a bit of maths here, your average cost of therapy without insurance can look something like this:

1 session= $100-$1000

15 sessions= 100X15 is $15,00

This means that depending on your state and behavior therapist, mental health treatment can cost you about $1500 to $15,000 without insurance. With Optum mental health insurance, you can reduce these charges to 25% or even less if you have an in-network therapist. 

NOTE: These are only estimated costs. Actual cost may vary.

In-network and Out-of-network Optum Therapists in NJ

An in-network therapist holds a contract with your insurance (case in point: Optum) according to which Optum pays a certain amount of fee to the therapists on your behalf. You can find in-network therapists by contacting your insurance provider or checking the information on their website. 

Whereas, out-of-network therapists are those who are not signed with Optum. As a result, United Healthcare has less coverage for such therapists than in-network therapists. The exact amount that Optum pays for therapists will depend on your health insurance plans. 

Accepted Health Insurance Plans in NJ

Optum Therapy Rehab In NJ: Conditions Treated

Meeting Optum therapists can help you identify the root cause of your mental health issue. This will also let you know if your deteriorated mental health has led you to addiction or if it’s the result of substance abuse. Once you have the diagnosis, your therapists can then provide the type of care you need. Some of the common mental health issues that people with substance abuse experience are:

• Anxiety
• Depression
• PTSD (Post-traumatic stress disorder)
• ADHD (Attention-deficient hyperactivity disorder)
• Eating disorders
• OCD (Obsessive-compulsive disorders

What Benefits Are Included In Optum Coverage For Therapy?

The amount of Optum coverage for therapy varies depending on your specific health plan, but generally, it covers a variety of long-term mental health facilities. 

1. Therapist Appointments

New Jersey therapists often have a busy schedule with most sessions pre-booked, costing you heavy free scheduling your first appointment. With Optum, you can have a reduced out-of-pocket cost. 

2. Psychiatric Evaluations

Psychiatric evaluation is the first step in treating mental health issues. This helps your therapist understand the cause of your issues, and determine the type of co-occurring disorder you have, so they can design a treatment plan that suits your needs.  

3. Same-day Online Prescriptions

Therapists provide you the space to feel safe and talk about the life aspects that might be triggering your mental health. But they do not just talk to you rather depending on your mental health condition or behavior disorder, they can prescribe you medications. Some of these prescriptions include:

• Vyvanse: ADHD Prescription medication used for improving focus and attention
• Xanax: Anxiety medication prescribed for calming down the anxious brain.
• Zoloft: Recommended for depression treatment as it increases the mood-regulating chemicals
• Ativan: Sleep-promoting medicine prescribed for treating insomnia symptoms 
• Prozac: OCD medicine used to promote thought awareness. 

4. Counseling and Behavior Therapy

Optum therapists can use a single or combination of behavior therapies to bring a positive change in your behavior. The two common techniques used are cognitive behavior therapy (CBT) and dialectical behavior therapy (DBT). CBT can help you find motivation for activities you lost interest in. Likewise, DBT interventions allow you to accept yourself to reduce suicidal thoughts. Counseling for dual diagnosis can occur in a couple of settings, depending on your comfort and treatment goals:

Individual counseling: This might help cope with your anger or find a direction in your career.

Group Activities: CBT group activities can help improve your social skills.

Family Counseling: Helps improve relationships with your spouses, children, or parents. 

5. Inpatient Mental Health

With United Healthcare, you can get coverage for inpatient treatment for mental health, which requires you to stay in rehab and receive care 24/7. The cost of an inpatient program is usually higher than any other program. Optum can either cover a partial amount or all depending on your insurance plan. 

6. Outpatient Mental Health (OP)

In case family or work commitments do not allow you to take out time for all-day treatment, your Optum psychologist can recommend an outpatient program. Optum’s coverage for outpatient programs will depend on whether you enroll in an intensive outpatient program or partial care.

Free Addiction Assessment

Please note this assessment is an initial self-screening, and it is not meant to be a medical assessment or clinical diagnosis of addiction. For proper diagnosis and treatment, schedule an appointment with ChoicePoint.

Connect With ChoicePoint’s Optum In-Network Therapy

ChoicePoint is a co-occurring addiction and mental health treatment in New Jersey. We are in network with UnitedHealthcare/ Optum which means you can get therapy and counseling at affordable rates as compared to out-of-network therapists. From diagnosis to inpatient treatment, our therapists accept Optum for various treatment programs so you can recover without worrying about your expenses. 

Online Therapy Available

In our quest to break the mental health stigma and make treatment affordable, we also provide telehealth services so you can connect to our therapists online, from the comfort of your home. Our Optum-insured online therapists will provide you with the same level of care as in-person therapists, ensuring that you can address the symptoms of addiction and mental health issues effectively. 

Queries Section: Optum Therapy Rehab NJ

We have answered the most asked questions about Optum coverage for mental health treatment and how you can make therapy affordable for you:

Where Can I Find Optum Behavioral Health Providers In NJ?

You can contact your Optum provider to learn about in-network therapists. Contacting in-network therapists will make your insurance pay for most of the bills. Here is how to reach out to behavioral health providers:

• Call your insurance provider
• Verify your insurance plan
• Ask for in-network health providers in NJ
• Contact the specialists near your home

What Is The Eligibility Criteria To Secure Optum For Substance Abuse Treatment?

You need to fulfill certain criteria before Optum starts covering your addiction treatment so that Optum can make medicare care affordable for those who deserve it. Here are a few things you to check off for Optum coverage:

• You are dependent on opioids and alcohol
• You are  willing to attend structured treatment programs
• The rehab will help you improve your wellbeing
• You have qualified for Optu insurance

What Are Some Benefits Of Using Optum Insurance For Therapy?

The two most important benefits of choosing insurance-covered therapy sessions include:

1. More therapy sessions at a reduced out-of-pocket cost
2. Saved money from therapy can be used for other healthcare services, e.g. dental and heart checkups

What Are Some Financial Aid Available For Mental Health Treatment?

Like heart disease or an eye issue, mental health problems are also serious health conditions which is why healthcare organizations and governments are working together to make the treatment affordable. You can find financial support through these options:

• Insurance and copay 
• Medicare
• Medicaid
• Non-profit organizations
• Government grants

References

1. U.S Department of Health and Human Sciences. 2021. National Survey on Drug Use and Health (NSDUH)
   https://www.hhs.gov/about/news/2023/01/04/samhsa-announces-national-survey-drug-use-health-results-detailing-mental-illness-substance-use-levels-2021
2. Clinical Psychology. 2023. An Evaluation of Cognitive Behavioral Therapy for Substance Use Disorder: A Systematic Review and Application of the Society of Clinical Psychology Criteria for Empirically Supported Treatments
   https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10572095/
3. State of New Jersey. Addiction Treatment Services
   https://www.nj.gov/humanservices/dmhas/resources/services/treatment/addictions.html