Behavioral Healthcare Options Insurance Coverage for Drug & Alcohol Rehab

Updated Jul 18, 2025

Behavioral Healthcare Options (BHO) offers a variety of insurance plans designed to help members struggling with substance use. Learn what your BHO plan may cover and how you can use your insurance for rehab below.

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What Is Behavioral Healthcare Options?

Behavioral Healthcare Options (BHO), a part of United Healthcare, is a health insurance program that provides mental health and substance use disorder (SUD) treatment coverage.¹

BHO covers crisis intervention, inpatient and outpatient services, and has an Employee Assistance Program (EAP).² The EAP is a confidential support service that offers employees and their families short-term counseling and resources to address personal and work-related challenges, including addiction and substance use.³

BHO partners with Health Plan of Nevada, Sierra Health and Life, and Southwest Medical to extend its reach. These collaborations increase the availability of comprehensive behavioral healthcare coverage across multiple states and under various healthcare programs.³

Does Behavioral Healthcare Options Cover Addiction Treatment?

Yes, Behavioral Healthcare Options (BHO) provides coverage for addiction treatment, although the amount of coverage your BHO plan offers will vary.⁴

The Affordable Care Act (ACA) mandates that insurance plans offer coverage for mental health and substance use disorder (SUD) treatment, ensuring that individuals seeking addiction treatment have access to necessary care.⁴ This includes counseling, medications, and support services to address the complex needs of those struggling with addiction. However, coverage specifics can vary, so it’s advisable to review your plan’s details to understand the extent of addiction treatment coverage provided by BHO.

What Types of Addiction Treatment Does Behavioral Healthcare Options Cover?

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.

Which Addiction Rehab Centers Take Behavioral Healthcare Options?

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.

Do Drug and Alcohol Rehab Centers Need to Be In-Network?

“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

What Should I Do if Behavioral Healthcare Options Won’t Cover the Total Cost of Treatment?

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 Check Your Behavioral Healthcare Options Coverage

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.

Sources

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