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Alcohol and Drug Rehabs that Take United Healthcare in New Jersey

New Jersey is home to about 8,908,520 people across 21 counties and 565 municipalities.1 Unfortunately, New Jersey is not immune to the effects of addiction. From 2017–2019, among those 12 and older in New Jersey, 6.1% (464,000 people) cited past-year substance use disorder (SUD), which is lower than the national average of 7.4% of the population in the same age group.4 Specifically, 4.2% of the New Jersey population older than 12 cited past-year alcohol use disorder (AUD) and 2.4% cited past-year illicit drug use disorder.4
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One of the first steps on the path to recovery involves seeking treatment at a rehab facility, which comes at a cost. Fortunately, if you have health insurance, you may be able to use your plan to cover at least some of the costs associated with treatment. United Healthcare (UHC) sells health plans in New Jersey, and if you have a UHC New Jersey plan, it may be able to cover least some of the cost of various treatment programs.

What Is UHC New Jersey?

UHC New Jersey isn’t a specific type of plan but rather a term used to reference the UHC plans that are available in New Jersey. United Healthcare, the health benefits business of the larger UnitedHealth Group, is a large U.S. insurance company that provides health benefit programs to individuals and families, Medicare and Medicaid beneficiaries, and employers.5 The nationwide insurance provider works with Optum to deliver quality care and health benefits to its covered members.

Across the country, more than 26.5 million Americans are covered by a plan from the UHC employer and individual market, including large national employers, public sector employers, mid-sized employers, small businesses, and individuals and families.6 Approximately 13 million seniors across the United States are covered by a UHC Medicare & Retirement market plan and 7.7 million members nationwide are covered by a UHC community and state market plan, which is a market designed to provide plans to those who are medically underserved, economically disadvantaged, or unable to enroll in an employer plan.6 With the vast array of plans available, plan details will undoubtedly vary. If you have a UHC New Jersey plan, call the number on the back of your insurance card to speak with a representative to help verify your benefits and coverage before seeking treatment whenever possible.

Does United Healthcare Cover Addiction Rehab Treatment in New Jersey?

Almost all health insurance companies, including UHC New Jersey, are required by the Affordable Care Act (ACA) to provide coverage in some capacity for 10 essential health benefits (EHBs).7 Mental and behavioral health services are included in this list of EHBs.7 Specifically, treatment for SUDs (e.g., rehab), behavioral health treatment (e.g., counseling), and mental and behavioral health inpatient services must be covered at some level by your UHC New Jersey plan if they are considered medically-necessary treatment.8 Please note that all plans differ in coverage levels and networks, so what is covered by your plan may vary.

What Does Treatment Cover?

What your UHC New Jersey plan covers in terms of rehab treatment costs may vary. Despite this, your UHC New Jersey plan may be able to cover least some of the cost of addiction treatment for substances such as:

  • Alcohol.
  • Marijuana.
  • Opioids.
  • Heroin.
  • Cocaine.
  • Crystal meth.
  • Prescription drugs.

For more detailed plan information, call the number on the back of your insurance card or log in to your online member portal and view the Summary of Benefits and Coverage.

What Drug and Alcohol Rehab Programs Does United Healthcare of New Jersey Cover?

There are a variety of rehab programs that may be available to you on your path to recovery. However, what may be covered by your specific plan may vary. Some common programs that may be available to you that UHC of NJ may cover include:9-11

  • Medical detox: Detoxification is the process in which you rid the body of substances like alcohol or drugs, and it is done in a medically supervised setting. Medical professionals supervise the process and provide treatment for life-threatening withdrawal symptoms if they occur.
  • Inpatient programs: For those with more severe addiction or those who are just beginning their path to recovery, inpatient, or residential programming, which feature 24-hour structured and intensive care with medical attention and drug-free housing, may be recommended.
  • Outpatient programs: This type of treatment program involves a wide variety of programs, many of which include group or individual drug counseling, to support a patient’s path to recovery.
  • Intensive Outpatient Programs (IOPs): In an IOP, patients are required to attend a certain number of hours of outpatient sessions per week.
  • Partial Hospitalization Programs (PHPs): With PHPs, patients often attend programs at a facility for 4-8 hours a day for multiple days per week. However, no overnight stay is required.
  • Aftercare: After rehab is completed, any type of care that is administered is often referred to as aftercare or continuing care.

Does UHC in New Jersey Cover Mental Health & Dual Diagnosis Treatment?

Due to the ACA’s mandate, your UHC in NJ plan should provide some coverage for mental health and dual diagnosis/co-occurring disorder treatment.8 When someone experiences both a substance use disorder and a mental health disorder or illness, it’s referred to as a dual diagnosis or co-occurring disorder.12 About half of those who are diagnosed with a mental health disorder will also experience a SUD at some point in their life, and vice versa.13 In 2020 alone, 17 million adults in the United States experienced a dual diagnosis, which could include an SUD and anxiety, depression, post-traumatic stress disorder (PTSD), attention-deficit/hyperactivity disorder (ADHD), bipolar disorder, or other trauma.12,13

For many, this type of treatment involves an integrated intervention or approach in which both conditions are treated simultaneously.12 What’s more, integrated treatment has been found to be a more superior method versus separate treatment of each diagnosis.13

Which Addiction Facilities in New Jersey Take United Healthcare Insurance?

If you’re ready to take the next step to recovery, you may be wondering whether there are rehab centers in New Jersey that take your UHC in NJ health insurance. AAC is a national rehab and treatment provider with top-notch facilities around the county, including some in and near New Jersey. AAC works with a variety of insurers, meaning that certain facilities may be in-network with your UHC plan. Below are three AAC facilities that you can call to check whether they accept your UHC plan:

  • AdCare Rhode Island: This AAC facility provides a variety of services, like medical detox, inpatient treatment, residential treatment, IOP treatment, PHP treatment, co-occurring disorder treatment, and telehealth services, across its four Rhode Island locations. The North Kingstown location is the only facility that provides inpatient services, while the remaining 3 (South Kingstown, Warwick, and Greenville) provide outpatient services.
  • Recovery First: Located in the Sunshine State about 10 minutes from the beach, this AAC facility provides a variety of rehab treatments, including inpatient and residential care services, outpatient care, and treatment for co-occurring disorders.

If AAC is not in-network with your UHC NJ plan, don’t worry. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs.


  1. (n.d.). Fast facts.
  2. US. News & World Report. (n.d.). U.S. News best colleges 2022.
  3. New Jersey Demographics. (n.d.). New Jersey cities by population.
  4. Substance Abuse and Mental Health Services Administration. (2020). Behavioral health barometer New Jersey, volume 6.
  5. United Healthcare. (n.d.). About us.
  6. UnitedHealth Group. (n.d.). UnitedHealthcare.
  7. (n.d.). Essential health benefits.
  8. (n.d.). Mental health & substance abuse coverage.
  9. Substance Abuse and Mental Health Services Administration. (2015). TIP 45: Detoxification and substance abuse treatment. (Original work published 2006).
  10. National Institute on Drug Abuse. (2019). Treatment approaches for drug addiction DrugFacts.
  11. Substance Abuse and Mental Health Services Administration. (2014). What is substance abuse treatment?
  12. National Alliance on Mental Illness. (2020). Substance use disorders.
  13. National Institute on Drug Abuse. (2020). Common comorbidities with substance use disorders research report.


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