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Behavioral Healthcare Options (BHO) Insurance Coverage for Rehab

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.2 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.
Yes. Behavioral Healthcare Options covers drug and alcohol rehab. strives to provide you with the most updated information on each carrier's addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.
If you or a loved one are experiencing a medical emergency, call 9-1-1 immediately.

Does Behavioral Healthcare Options insurance cover Alcohol and Drug Rehab?

With a Behavioral Healthcare Options insurance (BHO) plan, you can receive a range of mental health and substance use support and treatment.1 Whether you need a full-service option or outpatient treatment, you can access your Behavioral Healthcare Options coverage to begin the journey.1

You may be wondering what exactly will be covered and where you can go for Behavioral Healthcare Options Insurance drug treatment. If you contact a Behavioral Healthcare Options Insurance rehab center, an admissions navigator will provide you with the guidance you need to start the appropriate treatment plan. Someone can verify your insurance right away when you call. Have your insurance information ready when you call.

If you prefer, you can also contact a representative at BHO by calling the number on the back of your insurance card.

Check Behavioral Healthcare Options Insurance Coverage for Addiction Treatment

You can check your Behavioral Healthcare Options rehabilitation coverage by contacting American Addiction Centers (AAC) for quick and seamless verification of your insurance benefits. AAC has top-rated facilities all across the U.S. that offer rehab treatment programs for people struggling with a variety of different addiction issues. An admissions navigator can also assist you in finding treatment facilities near you.

Fill out the form below with your information to see whether Behavioral Healthcare Options is in network with AAC facilities.

Additionally, you can contact the helpline and speak to someone who will check your benefits while you wait on the phone.

Who else will be notified when I verify my Behavioral Healthcare Options insurance benefits?

When you contact a hotline for insurance verification through AAC, you have complete anonymity. Only your insurance provider, BHO, is contacted to check your benefits and insurance status. You can rest easy knowing that your information is confidential when calling the AAC hotline.

What is Behavioral Healthcare Options (BHO)?

Behavioral Healthcare Options medical insurance is a subsidiary of United Healthcare and offers the following healthcare services:2

  • Mental health services
  • Addiction services
  • Employee assistance programs
  • Work-life services

Founded in 1991, BHO enables you to access quality behavioral healthcare services.2 They have a national network of qualified providers who can deliver the treatment and care you need.2

What will Behavioral Healthcare Options insurance cover?

Behavioral Healthcare Options mental health insurance will cover an array of treatment options. The BHO specializes in mental health support services as well as addiction treatment, which means you can receive help for a range of issues.1

The amount of Behavioral Healthcare Options drug rehab that is covered by your insurance may vary depending on the exact plan and policy you have. It’s also important to understand that there could be out-of-pocket costs, such as copays, coinsurance, and deductibles. However, in most cases, your Behavioral Healthcare Options insurance payment should cover some or all of the cost of the following:

  • Inpatient treatment program: An inpatient treatment program is a place you may want to begin your journey to sobriety. This program offers monitoring by trained professionals, with therapeutic services and medication if needed. The length of an inpatient program will vary based on what your specific needs are. Some inpatient programs are very brief and last 3, 7, or 10 days, while others are longer, lasting 30, 60, 90 days, or a year. 3(inpatient)
  • Partial hospitalization program (PHP): During a PHP, you will receive an intense treatment program that is similar to an inpatient one. There are several clinicians nearby for support and to oversee your progress. However, during your stay in a PHP, you will return to your home at night. This may be ideal for people who need to tend to some responsibilities at home in the evening.4(partial)
  • Intensive outpatient program (IOP): Once you complete an inpatient program or a PHP, you might want to step down to the IOP. This type of program is an outpatient program that is more intense than a regular one. During IOP, you will go to evidence-based therapy sessions and learn the skills necessary to live successfully on your own. Sessions are typically several hours a week for a few days a week.3(outpatient)
  • Outpatient treatment program and therapy: A regular outpatient program is effective for you when you feel ready to live independently. It may be best if you’ve already completed some of the other programs mentioned. An outpatient program will teach you the ways to be successful in life by incorporating therapy for relapse prevention. 3(outpatient)

Does Behavioral Healthcare Options Insurance Cover Mental Health Care Treatment Facilities?

Behavioral Healthcare Options mental health is a foundational part of Behavioral Health Options insurance.1 Not only is mental and behavioral health the focus of BHO insurance, but there are also laws passed that prevent insurance carriers from denying people substance abuse claims. One of these laws is the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008.5 Also, the Affordable Care Act (ACA) states that insurance companies must provide essential healthcare benefits, which include substance abuse and mental health services.6

If you are unsure about whether you may have co-occurring mental health disorder along with a substance misuse issue, you can seek an evaluation. Your Behavioral Healthcare Options Insurance substance use treatment coverage can help assess your condition to determine if you do meet the criteria for a co-occurring disorder.

Research shows that co-occurring substance misuse and mental illness are quite common, occurring in about half of all patients.7 Any mental illness may co-occur with substance abuse. Some of these include anxiety disorders, ADHD, depressive disorder, PTSD, or personality disorders. 7

When dealing with a co-occurring disorder, it’s beneficial to treat the 2 conditions together so that you get the best results during your journey. 7 With Behavioral Healthcare Options rehab insurance, you can move ahead to a co-occurring disorder treatment plan.

Types of Addictions Typically Covered by BHO

BHO will typically cover most major addictions. To know for sure if you can receive treatment for the substance to which you are addicted, it’s best to check with BHO.

Some of the most commonly covered substances include:

  • Alcohol.
  • Heroin.
  • Cocaine.
  • Methamphetamine.
  • Marijuana.
  • Prescription drugs, such as opioids, stimulants, and benzodiazepines.

Many rehab programs will be able to treat these addictions, so you should look for a facility that is covered by your BHO plan to get the treatment you need.

How Long Does Behavioral Healthcare Options Insurance Cover Rehab?

The length of time that your Behavioral Healthcare Options insurance rehab will cover may vary depending on various factors. Some of these may depend on the specific policy you have. There may be certain stipulations on how long you can stay in inpatient treatment or how long outpatient care lasts before you must pay out of pocket. Different policies have different rules, so it’s best to check with the insurance company to be sure.

Whatever length you have covered through your Behavioral Healthcare Options rehab, longer treatment stays bring better results, according to the experts. If you aren’t in rehab long enough, you may not learn the tools necessary for recovery. Professional rehab specialists recommend at least staying for 3 months to prevent relapsing.8

What if my Behavioral Healthcare Options policy does not cover rehab?

If you find out that your Behavioral Healthcare Options insurance for addiction treatment doesn’t cover rehab specifically, you can look into other financial payment options. Some Behavioral Healthcare Options Insurance drug treatment providers offer special financing or scholarship opportunities for those in need.

Financial aid is another alternative offer that some Behavioral Healthcare Options Insurance drug treatment programs will provide. You may qualify for a reduced fee or no fee if your insurance will not cover the cost and you can’t afford to pay for treatment. It always pays to inquire what your options are instead of procrastinating. Don’t push off your well-being.

Behavioral Healthcare Options In-Network vs. Out of Network Rehab Centers

Working with a large network of BHO providers will reduce costs. In-network providers are in a contract with the Behavioral Healthcare Options rehab centers. So, this allows you to get paid for whatever services your insurance covers. Behavioral Healthcare Options insurance benefits work with Preferred Provider Organization Networks.

You can always call the rehab facility you are planning to attend, and they can check the in-network status for you. This is probably the quickest way to find out if the rehab is in the network.

Behavioral Healthcare Options Plans

Behavioral Healthcare Options insurance manages treatment plans for members through Preferred Provider Organization Networks. The health provider plan options that BHO contracts with include the following:9

  • Health Plan of Nevada
  • Health Plan of Nevada Medicaid
  • Sierra Health and Life
  • Sierra Health-Care Options


  1. Behavioral Healthcare Options, Inc. (2022). Behavioral health.
  2. Behavioral Healthcare Options, Inc. (2022). About us.
  3. National Institute on Drug Abuse. (2019). Treatment approaches for drug addiction DrugFacts.
  4. National Institute on Drug Abuse. (2020). Treatment settings.
  5. (n.d.). Paying for treatment.
  6. (n.d.). What marketplace health insurance plans cover.
  7. National Institute on Drug Abuse. (2018). Comorbidity: Substance use disorders and other mental illnesses DrugFacts.
  8. National Institute on Drug Abuse. (2020). Principles of effective treatment.
  9. Behavioral Healthcare Options, Inc. (2022). Preferred provider organization networks (PPO).
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