Behavioral Healthcare Options (BHO) Insurance Coverage for Rehab and Detox
Does BHO Insurance Cover Rehab or Detox?
Behavioral Healthcare Options (BHO) insurance does offer coverage for detox, rehab, and other forms of addiction treatment programs. With its emphasis on mental health and substance use treatment, a Behavioral Healthcare Options plan means you will be helped with the cost of your addiction treatment.
Behavioral Healthcare Options strives to provide treatment that is tailored to the needs of each member in the least restrictive setting possible.4 Rehab, detox, or any other form of approved addiction treatment services are available to dependents or any other family member covered by your plan.
Types of Treatment Covered by BHO Insurance
Behavioral Healthcare Options covers a host of other substance use disorder treatments and mental health services, such as:
How Much Does BHO Cover?
The Affordable Care Act (ACA) requires all health insurance plans, including those offered by BHO, to provide some degree of coverage for the medically necessary treatment of behavioral health disorders. This means that BHO insurance plans may be able to cover some or all of the cost of treatment for substance use disorder. However, BHO insurance may not fully cover the cost of rehab. Several factors may reduce the amount of treatment you receive, such as:
- Type of BHO Insurance Plan.
- Where you attend rehab.
- Whether a rehab is in-network with BHO.
- Intensity of treatment.
- Length of treatment.
- Accommodations and amenities offered by the rehab.
It’s important to reach out to a BHO representative to check your coverage before committing to treatment.
How to Check Your BHO Addiction Treatment Coverage
You can check your benefits here, call the number on the back of your insurance card.9 You can e-mail them by completing the form here.9 A customer service representative can answer any questions that you may have about your specific plan. Each plan is different and may not offer coverage for every type of treatment. Please be sure to check with the insurance company about exactly what your plan covers.
American Addiction Centers is in-network with Behavioral Healthcare Options, which we can help you verify your exact BHO coverage details.
Does BHO Cover Out-of-Network Providers?
Out-of-state coverage isn’t a problem with Behavioral Healthcare Options. While their preferred provider network includes professionals from across the United States, you can work with an out-of-network provider if you choose.2 Behavioral Healthcare Options insurance partners with Health Plan of Nevada and Sierra Health and Life in the state of Nevada.1
How to Use BHO to Pay for Rehab
Using your Behavioral Health Options insurance plan to pay for rehab often involves open and direct communication with both rehab center and insurance company. One of the first steps is to contact your BHO provider in order to determine whether you will need preauthorization. After, you may want to contact any prospective rehab centers to see if they are in-network with BHO. Attending treatment at an in-network facility will often increase the amount of coverage and benefits you receive from your insurance plan.
Types of BHO Insurance plans
Behavioral Healthcare Options is a private subsidiary of United Healthcare.1 Created in 1991, it focuses on providing specialized treatment for mental health and addiction as well as employee assistance services and helping members find a work-life balance.1 Behavioral Healthcare Options offers services to a variety of clients including self-insured employers, insurance carriers, union trusts, and companies that handle outsourced insurance administration for other companies (third-party administrators).1
Behavioral Healthcare Options insurance uses preferred provider organization plans.2 The insurance company can help pay for a wide array of treatment providers in a range of specialties, allowing more coverage choices.2 Seeing a provider within the network costs much less than choosing an out-of-network provider.2
Finding Rehabs that Accept BHO Coverage
American Addiction Centers (AAC) is a nationwide leader in treating substance use disorders. Treatment uses evidence-based techniques that are shown to be effective—not just for substance use, but also for co-occurring mental health disorders. AAC works with a wide range of health insurance providers, including Behavioral Healthcare Options, and is an in-network provider for many insurance companies.
AAC detox and rehab facilities across the United States represent the highest standards in medical and behavioral health.10, 11 Each facility ensures that you’ll receive a complete and well-rounded program of care with the most up-to-date therapeutic techniques in addiction treatment, mental health care, and medical care. Treatment programs also include physical activity, good nutrition, and wellness activities to encourage a healthier lifestyle. For more information about how American Addiction Centers can help you find a local detox center and recover from substance use, please call our helpline any time of day or night at or you can text us. Your call is free and confidential.
American Addiction Centers (AAC) is committed to delivering original, truthful, accurate, unbiased, and medically current information. We strive to create content that is clear, concise, and easy to understand.
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