Rehab Centers That Accept United of Omaha Life Insurance

The cost of rehab can be substantial. While actual rehab costs can vary by state, facility, and individual, the average inpatient treatment program ranges from $4,000 to $15,500. Outpatient programs can cost $1,500 to $2,900 or higher for more intensive treatment. United of Omaha Life Insurance, a subsidiary of Mutual of Omaha Insurance Company, may cover addiction treatment services, depending on your plan.

Finding a rehab center that accepts your United of Omaha Life Insurance can ease the financial burden of addiction treatment, making recovery more accessible. Your insurance may cover drug rehab, alcohol rehab, mental health services, or a combination of these services based on your needs. This article explains how United of Omaha Life insurance rehab coverage works, what types of treatment and addictions are covered, and how to find a rehab facility that accepts your plan.

United of Omaha Life Insurance policies that include health benefits cover drug and alcohol rehab, as required by the Affordable Care Act. The Mental Health Parity and Addiction Equity Act mandates equal coverage for behavioral health treatment and medical services.

If your policy has mental health and substance abuse coverage, it should assist with addiction treatment, including both inpatient and outpatient services. Coverage specifics can vary by plan, so it’s crucial to verify your benefits.

You can check your coverage through Mutual of Omaha’s online help finder or by contacting customer service. Individual policyholders can call 800-775-6000, while employer-covered individuals can reach support at 800-655-5142. Confirming your coverage in advance helps avoid unexpected costs and ensures you choose a covered rehab facility.

Addiction treatment covered by United of Omaha Life should extend to a broad range of rehab services, from the initial detox through ongoing recovery support, as long as those services are medically necessary and covered under your plan. While coverage can differ by policy, comprehensive plans may include benefits for the following levels of care and services:

• Detox Programs: Detox is often the first step of treatment, providing 24/7 medical supervision to manage withdrawal symptoms safely. United of Omaha Life usually covers detox when a doctor deems it necessary for severe alcohol or drug withdrawal since it’s a critical medical service at the start of rehab.
• Inpatient Rehab: Inpatient rehab programs involve living at a rehab facility and receiving intensive therapy, typically for 28 or more days. If your policy includes behavioral health coverage, it will generally pay for inpatient drug or alcohol rehab in a licensed facility. However, pre-authorization is usually required for inpatient admissions.
• Partial Hospitalization Programs (PHP): PHPs are daytime treatment programs that may include treatment 5 to 7 days a week, but you return home in the evenings. They’re a step down from inpatient care. United of Omaha Life plans may cover PHP as part of the continuum of care since it’s an intensive, structured program cheaper than inpatient rehab but more intensive than standard outpatient rehab.
• Intensive Outpatient Programs (IOP): IOPs involve several hours of therapy a few days per week. This level of care is commonly covered as outpatient treatment. It allows you to receive frequent counseling and support while living at home. Coverage for IOPs is typically provided under outpatient mental health/substance use benefits.
• Standard Outpatient Treatment: This treatment includes one-on-one counseling, group therapy, psychiatric care and other services on a weekly or biweekly basis. These services are usually covered similarly to any other outpatient mental health office visits, so they’re subject to co-pays or co-insurance according to your plan. United of Omaha Life may cover a certain number of therapy sessions or visits per year or unlimited visits, equal to how it covers medical outpatient visits.
• Medication-Assisted Treatment (MAT): MAT involves FDA-approved medications, such as buprenorphine, methadone or naltrexone, combined with counseling to treat opioid or alcohol addiction. Most insurance plans cover MAT prescriptions and related clinic visits. However, some plans may require proof that it’s medically necessary for the patient’s recovery. MAT coverage may fall under your pharmacy benefits for take-home meds like naltrexone or buprenorphine or medical benefits for clinic-based treatments like methadone. Because Mutual of Omaha stopped offering Medicare Part D in 2025, it won’t offer any drug plans going forward, so enrollees who get their prescriptions under this plan must sign up for a new one to receive prescription coverage.

Always check with United of Omaha Life or review your policy documents to see which specific treatment options your policy includes.

Several key factors determine United of Omaha Life insurance rehab eligibility, the services covered, and how much of the cost will be paid. Understanding these factors will help you navigate your rehab coverage based on the benefits included in your plan.

The structure of your health plan greatly affects your coverage and how much you pay. You pay less with in-network providers, no matter the plan type, but some will cover out-of-network providers to a lesser degree. Consider these guidelines for the various insurance plan types:

• Health Maintenance Organization (HMO) plans generally limit coverage to in-network providers and won’t cover out-of-network care except in emergencies. You typically need to stay within the HMO’s approved network of rehab facilities.
• Exclusive Provider Organization (EPO) plans are similar to HMOs because they only cover in-network services aside from emergencies.
• Preferred Provider Organization (PPO) plans offer more flexibility. You can go out-of-network for treatment, but you’ll pay more out of pocket if you do. PPOs still reward you for using in-network rehabs with lower co-pays and co-insurance but will also share costs for out-of-network programs.
• Point of Service (POS) plans are a hybrid option. These plans cover out-of-network care like a PPO but usually require referrals from a primary doctor to see specialists or enter treatment programs.

The type of rehab center affects your coverage with United of Omaha Life. In-network facilities have contracted rates, meaning your insurance covers more and you pay less. Out-of-network care often results in higher out-of-pocket costs or no coverage if not allowed. Always verify if a treatment facility is in-network by contacting the insurer or checking their online directory.

Insurance companies only cover treatments considered medically necessary for your condition. This requirement means a healthcare professional must diagnose you with a substance use disorder and recommend the appropriate level of care. Like other insurers, United of Omaha Life evaluates whether the rehab services are justified for your situation. If your care isn’t deemed necessary, coverage could be denied.

Most United of Omaha Life Insurance plans require prior authorization for costly services like drug rehab. Inpatient admissions for mental health or substance abuse need precertification, meaning the provider must get approval from the insurance company before admission.

Failure to obtain pre-authorization may lead to claim denial or reduced coverage. Some plans also require authorization for outpatient services after a certain number of visits. Always coordinate with the rehab center and United of Omaha Life for necessary approvals. If unsure, contact United of Omaha Life directly about rehab coverage by providing the rehab facility name, level of care, and expected length of stay.

Whether United of Omaha Life Insurance covers an out-of-network rehab program depends on your plan. HMO and EPO plans generally don’t cover out-of-network treatment except in emergencies, meaning you’d likely pay full costs for non-network facilities.

PPO and POS plans usually offer out-of-network coverage at a lower rate, resulting in higher out-of-pocket costs, including coinsurance and the difference between the provider’s charges and what the insurance allows. Some plans have an out-of-network out-of-pocket maximum, but it’s best to stick to in-network providers to keep costs low.

United of Omaha Life Insurance, as part of Mutual of Omaha, offers different insurance products. The plan you have may influence your rehab coverage. Here’s a breakdown of the plan types available and whether they offer rehab coverage.

Mutual of Omaha provides various insurance products to employers, including group health or supplemental health plans. If your United of Omaha Life coverage comes through your employer, it might be part of an Employee Assistance Program (EAP). Employer-based plans often cover addiction treatment similarly to individual plans, but you may need to follow certain procedures.

For example, some employer plans require you to go through the EAP first because EAPs typically offer a few free counseling sessions and can provide referrals for treatment. The EAP can also help coordinate rehab and may be able to authorize or fast-track admissions as needed.

United of Omaha Life primarily specializes in life insurance and supplemental health products rather than comprehensive major medical insurance for individuals under 65. It does not widely offer ACA marketplace health plans. However, it provides limited medical and specialty policies, such as short-term medical, accident, or critical illness insurance. It’s important to note that life insurance alone does not cover rehab costs, as it does not include healthcare benefits.

If you have a short-term health insurance policy or another limited-benefit plan from United of Omaha Life, carefully review the details. Many of these plans either exclude substance abuse and mental health treatment entirely or provide only minimal coverage. Additionally, long-term care insurance policies from United of Omaha Life are designed for nursing care for older adults or disabled individuals, not for acute addiction rehab.

United of Omaha Life provides Medicare-related health plans, including Medicare Supplement (Medigap) and, in some areas, Medicare Advantage (CareAdvantage) plans under Mutual of Omaha Medicare.

If you have a Mutual of Omaha Medicare Supplement plan, it helps cover addiction treatment by filling gaps in Original Medicare. Medicare Part A covers inpatient rehab, while Part B covers outpatient services like therapy and partial hospitalization. After deductibles, a Medigap plan covers the remaining costs, potentially leaving you with little to no expenses.

For those with a Mutual of Omaha Medicare Advantage (MA) plan, coverage comes through the plan instead of Original Medicare. MA plans must cover the same services as Medicare Parts A and B, including addiction treatment, but may have network restrictions and authorization requirements.

United of Omaha Life Insurance doesn’t administer Medicaid plans. Medicaid is a joint state and federal program typically managed by separate state agencies or Managed Care Organizations contracted by the state to deliver healthcare benefits to beneficiaries. Medicaid is intended for low-income individuals, so not everyone qualifies for these plans. Medicaid programs vary by state but commonly support a wide range of addiction recovery services, including inpatient and outpatient treatment.

United of Omaha Life covers drug rehab for any substance use disorder diagnosed by a medical professional, without restrictions based on the specific substance. Coverage is based on medical necessity rather than the type of drug involved.

Here are common types of addiction for which you can seek treatment, all of which would be considered eligible for coverage under a typical plan’s SUD benefits:

• Alcohol Addiction: Treatment for alcohol use disorder or alcohol addiction, including detox for alcohol withdrawal and rehab programs, are usually covered. However, medication like naltrexone or acamprosate may no longer be covered now that Mutual of Omaha has withdrawn from Medicare Plan D.
• Opioid Addiction: This SUD includes dependence on prescription painkillers, such as codeine, oxycodone, hydrocodone and morphine, as well as heroin or fentanyl addiction. Given the opioid epidemic, most plans robustly cover opioid addiction treatment, including detox, inpatient rehab, outpatient therapy and Medication-Assisted Treatment are typically covered services. Again, ongoing prescriptions may not be covered.
• Stimulant Addiction: Addictions involving stimulants, such as cocaine, methamphetamine or even prescription stimulants like Adderall or Ritalin when misused are covered. There may not be medication therapy specific to stimulants, but inpatient or outpatient rehab for stimulant abuse is covered similarly to other SUDs.
  Benzodiazepine and Sedative Addiction: If you’re addicted to benzodiazepines, such as Xanax, Ativan, Valium or other sedative medications, insurance may cover medically supervised detox and subsequent treatment. Prescription drug abuse is covered the same as any other substance.
• Marijuana (Cannabis) Addiction: Although marijuana isn’t usually associated with severe physical withdrawal, some individuals do seek treatment for cannabis use disorder. Therapy and counseling services to address marijuana dependence are covered the same as for other substances if you meet the criteria for substance use disorder and treatment is warranted.

Locating rehab centers that accept United of Omaha Life insurance is essential to ensure treatment coverage and avoid surprise costs. Here are some strategies to find in-network rehab centers and verify acceptance of your insurance:

• Use United of Omaha’s Provider Directory: Mutual of Omaha publishes various provider directories, including a Provider/Pharmacy Directory for CareAdvantage HMO. You can also contact their support team to ask for in-network addiction treatment providers in your area. Provide your policy number or plan name so they can identify which network you’re in.
• Contact United of Omaha Life Customer Service: To get assistance with your insurance coverage, call the number on your insurance ID card. If you’re an individual policyholder, call 800-775-6000. If you’re covered through your employer, call 800-655-5142. Customer service can help you by confirming whether a specific rehabilitation facility is in-network, explaining your coverage for different levels of care, or providing a list of nearby providers.
• Call Local Rehab Centers Directly: Many local rehab centers have insurance specialists. If you have a specific facility in mind, call their admissions office to check if they accept United of Omaha Life insurance and whether they’re in-network. They may even verify your benefits with your insurance provider.

Confirm coverage with both the rehab center and your insurer before starting a program. This ensures the facility accepts United of Omaha Life Insurance and clarifies your out-of-pocket costs, preventing unexpected bills and letting you focus on recovery.

RehabNet is a trusted resource that provides information on rehab programs and which insurance companies they work with. We understand insurance benefits and can connect you with specialized treatment options by insurance provider or location. Let us help you find rehab with United Omaha Life Insurance by contacting the RehabNet addiction helpline today.