Behavioral Healthcare Options Insurance Coverage for Drug & Alcohol Rehab

Behavioral Healthcare Options (BHO) plans will focus on providing coverage for evidence-based care that is deemed medically necessary. What’s necessary for you will be done by working closely with your doctor or treatment team.

 Common treatment options that may be covered by BHO include:^5,6

• Medical detox: Medical detox involves supervised withdrawal from substances under medical supervision. It is designed to address the effects of withdrawal and can be the initial step in addiction treatment.
• Inpatient rehab: Inpatient rehab provides a safe, structured, residential environment for intensive addiction treatment. Patients receive 24/7 care, monitoring, and support to address the underlying causes of addiction.
• Outpatient rehab: Outpatient rehab allows patients to receive treatment while living at home. It involves scheduled therapy sessions and support groups, providing flexibility for those with strong support systems at home.
• Aftercare: Aftercare involves ongoing strategies to prevent relapse after completing a formal addiction treatment program. It can include ongoing therapy, support groups, and tools to help maintain recovery.

If you’re wondering whether your Behavioral Healthcare Options (BHO) insurance plan covers rehab, there are simple ways to find out. While choosing a treatment facility can feel overwhelming, understanding your coverage can offer peace of mind. You can call the number on the back of your insurance card to speak with a representative, or check your insurance coverage online. You can also use our search tool to find rehabs near you that may accept your plan and meet your treatment needs.

“In-network” refers to healthcare providers, like rehab centers, that have agreements with an insurance company, such as Behavioral Healthcare Options (BHO). Choosing an in-network rehab center can reduce out-of-pocket costs, as insurance covers a larger portion. It ensures more affordable access to treatment within the insurance plan’s network of approved providers.⁷

If insurance doesn’t cover the full rehab cost, there are options to explore. Inquire if the rehab center offers payment plans, spreading the expense over time. Personal savings, loans from family or friends, or personal loans can also help cover costs. Government programs like Medicaid or state-funded rehab centers might be accessible. Non-profit organizations and local support groups sometimes provide financial aid. Additionally, some rehabs offer sliding scale fees based on income. Exploring these options and discussing payment concerns with the rehab facility can help find feasible ways to manage expenses.

You can also explore these pages for other options:

• How to pay for rehab with insurance
• Treatment frequently asked questions
• How much does rehab cost?

There are a few simple ways to find out how much your Behavioral Health Options (BHO) plan may cover for substance use disorder (SUD) treatment. You can review your Explanation of Benefits (EOB) online or call the number on the back of your insurance card to speak with a representative about your specific plan. You can also fill out the confidential form below to verify your insurance. It’s quick, free, and can help you understand what services may be covered.

1. Behavioral Health Options. (n.d.). About BHO.
2. Behavioral Health Options. (n.d.). Behavioral health.
3. Behavioral Health Options. (n.d.). Employee assistance program.
4. HealthCare.gov. (n.d.). Mental health and substance abuse coverage.
5. National Institute on Drug Abuse. (2019). Treatment approaches for drug addiction.
6. National Institute of Mental Health. (n.d.). Substance use and co-occurring mental disorders.
7. HealthCare.gov. (n.d.). Health insurance plan & network types: HMOs, PPOs, and more.