Behavioral Healthcare Options (BHO), a part of United Healthcare, is a health insurance program that provides coverage for mental health, substance use disorders (SUDs), and employee assistance services.1 If you or your loved one needs substance abuse treatment and has a BHO health insurance plan, you may wonder if your addiction treatment will be covered. This page can help you to understand more about your coverage through BHO and what types of addiction treatment are normally covered by BHO.

American Addiction Centers (AAC) strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.

Does Behavioral Healthcare Options Cover Addiction Treatment?

BHO does provide coverage for addiction treatment. Many health plans cover detox and inpatient treatment, as well as outpatient treatment. However, the specifics of what you will be approved for are based on your individual situation and will be determined after BHO reviews your case.

The BHO website notes that the company covers inpatient and outpatient services, crisis intervention, online resources, and an employee assistance program (EAP).1,2 The EAP, open to all family members of the covered person, provides services such as assessments, counseling, and referrals to further treatment. These services are confidential and can help with a variety of matters including work-related stress, family problems, financial strain, and a variety of emotional issues that you may need help with.3

The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.

How to Check Your Insurance Benefits?

If you have BHO and want to know if rehab is covered by BHO, you can start by calling the number located on the back of your insurance card. The representatives at BHO can help you understand the coverage and benefits available to you for your specific situation.

Knowing exactly what will be covered by your Behavioral Healthcare Options plan can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on BHO plans and to check what your plan covers, call , click here, or fill out the form below.

Insurance Providers and Rehab Treatment Coverage Levels

Recommended Rehab Treatment Articles