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Oxford Health Plans (UnitedHealthcare Group) Insurance Coverage for Addiction Treatment

Finding a rehab that accepts Oxford Health Plans, a subsidiary of UnitedHealth Group, is important if you are struggling with substance use. With Oxford Health, you have access to the essential health benefits of marketplace plans, including mental health and substance use disorder treatment.
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If you or a loved one is struggling with a substance use disorder (SUD) or addiction, you’re not alone. Overcoming addiction is possible and generally involves rehab, which can come at a cost. Fortunately, with the help of health insurance plans like those from Oxford Health Plans, a subsidiary of UnitedHealthcare Group, you may be able to use your plan to cover at least some of the cost of detox treatment, inpatient or outpatient rehab, or more long-term residential treatment programs.

This page will assist you with discovering your Oxford Health Plans for addiction treatment. Learn about how your benefits can help with addiction treatment coverage and connect you with someone who can help you verify your insurance.

Does Oxford Cover Addiction Treatment?

You may be wondering whether Oxford covers drug rehab? In most instances, insurance carriers provide some level of addiction treatment care. When you have a substance use disorder (SUD), treatment is a crucial first step to putting you on the path to recovery. Whether you are dealing with a drug or alcohol addiction, detox and therapy are instrumental in getting you back on the right path in life.

Oxford Health is covered under United Healthcare’s insurance provider, and substance abuse falls within the behavioral health coverage.1 You have access to substance abuse recovery services and Oxford therapy coverage with a healthcare plan.1

Do Addiction Treatment Centers Need to Be In-Network?

When looking for substance abuse treatment, you can search for an in-network provider by verifying your insurance benefits with the place you plan to visit, or you can call the phone number on the back of your insurance card. In-network providers have contracted with Oxford to provide the best rate for services, which means you get that discount passed on to you. You still may need a pre-authorization for services, so it is best to verify your plan’s benefits with your insurance provider or the rehab facility.1

Oxford’s in-network providers and facilities are in New York, New Jersey, and Connecticut.2 If you find yourself outside this area for whatever reason, Oxford also has national providers who may be available to you.2 Contact Oxford for further details.

What Different Types of Addiction Treatment Does Oxford Cover?

Depending on the severity of your addiction, you may require a certain level of addiction treatment. Oxford health may provide coverage for the following addiction treatment programs:5

  • Medical detox: In this program, you will be monitored during the withdrawal phase of your treatment. Clinicians will ensure your safety during this time.
  • Inpatient programs: This includes physician oversight and 24/7 monitoring until you complete the program.
  • Partial hospitalization programs (PHPs): This is a step down from inpatient treatment and includes coming to the facility most days of the week for most of the day. You will return home at night.
  • Outpatient programs: You’ll come to the facility for therapy regularly, usually once or twice a week unless it’s intensive outpatient treatment.
  • Intensive outpatient programs (IOP): These outpatient programs require that you attend treatment programs for longer and more frequent sessions than you would in a standard outpatient program.
  • Aftercare: Aftercare programs support sustained sobriety after more intensive rehab. There are many types of aftercare, including support groups, therapy, and community programs.

Which Drug and Alcohol Rehab Centers Take Oxford Health Plan Insurance?

There are American Addiction Centers (AAC) rehabilitation facilities located throughout the United States, and some of them might work with Oxford to provide you with substance use treatment. As you familiarize yourself with your health insurance coverage through Oxford, take some time to think about which facility is going to work best for you. Some of AAC’s facilities include:

  • AdCare Rhode Island: Situated in Rhode Island, AdCare Rhode Island specializes in medically monitored withdrawal management, crisis stabilization, an outpatient program, and a complimentary informational session for families of those seeking treatment.
  • Desert Hope Treatment Center: This Nevada-based treatment center features individual and family therapy, medical detox, aftercare, and substance abuse programming specific to veterans and first responders.
  • Greenhouse Treatment Center: Based in Grand Prairie, Texas, Greenhouse Treatment Center features a family program, individualized treatment, medical detox, and treatment for co-occurring disorders.
  • Laguna Treatment Center: Laguna Beach is not too far away from Laguna Treatment Center, which utilizes 12-Step involvement, offers a family program and individualized treatment, and follows up with aftercare support.
  • Oxford Treatment Center: Located in Etta, Mississippi, Oxford Treatment Center has residential treatment (both short- and long-term), individualized treatment, medical detox, and a family program.
  • River Oaks Treatment Center: River Oaks Treatment Center is located near Tampa, Florida. This facility is home to addiction-focused healthcare in its inpatient residential program and outpatient therapy. A family program, medical detox, and aftercare support are also available as part of your treatment.

You can use our directory and filter by “insurance” to locate in-network facilities close to you if AAC is not in-network for you. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of other facilities and programs.

What Are the Coverage Levels and Plans for Oxford?

Oxford Health Plans coverage is available in New York, New Jersey, and Connecticut.2 Plans are available to individuals, families, and employers through Oxford Health Plans and are as follows:3

  • Health Maintenance Organization (HMO): restricts patients to a particular group of physicians called a network. One doctor coordinates your care.
  • Point of Service (POS): type of managed care plan that combines elements of HMO and PPO.
  • Freedom Plan PPO: no PCP is required.
  • Oxford EPO: for employees within the Oxford Freedom Network.
  • Oxford PPO HSA: does not require a PCP referral for specialist visits.
  • Oxford EPO HSA: paired with an HSA.

What Should I Do if Oxford Won't Cover the Total Cost of Addiction Rehab?

If you find that Oxford does not cover the type of rehab services you need, there still may be options for you to get treatment. Check with the facility you plan to go to and ask whether they have a payment plan arrangement.

They may also offer financial aid, discounts, or sliding scale fees. To help pay for any amount not covered by insurance, you can arrange a loan from friends and family or take out a personal loan. Be sure to check all the different options because taking care of your health is of the utmost importance.

You can use your Oxford Health Plans insurance plan to take advantage of getting addiction care today. To start on your path toward recovery, contact one of our admissions navigators; they will provide you with the information and support that you need.


  1. Oxford Health Plans. (2013). Your behavioral health benefit.
  2. Oxford Health Plans. (2010). National & local provider networks.
  3. Oxford Health Plans. (2021). Oxford health plans.
  4. Oxford Health Plans. (2018). Meet the Oxford freedom network.
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