Does Behavioral Healthcare Options Insurance Cover Alcohol and Drug Rehab?
If you or a loved one are struggling with drug and alcohol use (substance use disorder), Behavioral Healthcare Options (BHO) may be able to provide the coverage you need to seek treatment. This health insurance program provides coverage for substance use disorders, mental health concerns, and employee assistance services.1 As a BHO member, you may be able to access inpatient and outpatient rehab, crisis stabilization, and more.
To learn about what your specific insurance plan covers for alcohol and drug rehab, call the number on the back of your insurance card. Alternatively, you can us at to speak with an admissions navigator, who can verify your insurance for you while you’re on the phone and answer any questions you have about treatment.
Read on to learn more about how your BHO health insurance plan may help cover at least some of the costs of drug and alcohol rehab.
Check Behavioral Healthcare Options Insurance Coverage for Addiction Treatment
As a BHO member, at least some of the costs of your addiction treatment will be covered by your insurance plan.2 There are many different treatment types available, and the percentage of treatment costs covered by insurance varies, depending on the specific insurance plan you have. The amount of coverage provided for addiction treatment can also vary depending on the state you live in, whether the facility you plan to attend is in-network or out-of-network, and the duration of your stay in rehab.
To learn more about your BHO plan and how much of your drug and alcohol rehab may be covered by your insurance policy, call the number on the back of your insurance card to speak with a BHO customer service representative for details on your specific plan.
Complete the form below with your contact and insurance information to see immediately if your insurance plan is in-network with American Addiction Centers facilities. Alternatively, you can call our 24/7 helpline at to speak to someone who can check your benefits for you while you’re on the phone.
What Is Behavioral Healthcare Options (BHO)?
Behavioral Healthcare Options, Inc. (BHO) was established in 1991.1 A subsidiary of UnitedHealthcare, BHO provides specialized mental health and addiction treatment, promoting individualized care to ensure members get their proper treatment with as little disruption to their family and work responsibilities as possible.1 BHO provides problem-focused care that is individualized to each member. BHO’s clients include self-insured employers, insurance carriers, third-party administrators and union trust.
BHO helps members with any issues related to emotional and personal conflict related to substance use and mental health disorders. They assist with:2
- Addiction treatment
- Employee assistance programs
- Mental health support
- Work-life services
BHO primarily covers people who live in Nevada, but some plans also offer coverage for some residents of Utah or Arizona.3 BHO has partnerships with the Health Plan of Nevada, Sierra Health and Life, and Southwest Medical.3
What Will Behavioral Healthcare Options Insurance Cover?
Behavioral Healthcare Options provides a wide variety of services for members related to mental health, including substance use disorder.1 As a BHO member, you may be assisted in getting proper care through drug and alcohol addiction treatment. BHO may cover some or all of the cost of different types of addiction treatment, including:2
- Inpatient/residential rehab. When you receive treatment at an inpatient facility, you will live at the rehab center for a certain amount of time (e.g., 3 months) while attending individual and group therapy. You will also have access to support from staff around the clock while you learn more about your addiction and coping strategies to support your long-term recovery.
- Outpatient rehab/therapy. In outpatient rehab, you are able to live at home while attending treatment, which includes counseling in individual and group settings. Outpatient programs vary in terms of time commitment. Many allow you to attend to work and family responsibilities during the day while receiving treatment at night.
- Intensive outpatient programs (IOP). In an intensive outpatient program, you will attend treatment several days a week, a few hours each day. IOPs are more time-intensive than traditional outpatient programs.
- Partial hospitalization programs (PHP). Partial hospitalization programs are similar to inpatient facilities in that you will attend treatment 4-6 hours per day, 5 days a week. You can live at home while attending a PHP treatment program.
To know for certain which treatments are covered by your plan, call the number on the back of your insurance card to ask about what your plan covers. If you have health insurance through Medicaid or Medicare in addition to your BHO plan, a BHO representative can work with you to discuss your coverage for addiction treatment to see how your Medicare/Medicaid coverage can be coordinated with BHO to cover the costs of treatment.
Does Behavioral Healthcare Options Insurance Cover Mental Health Care?
Yes, Behavioral Healthcare Options provides coverage for mental health care.2 BHO has helped thousands of members access resources and treatment in order for them to work through their challenges.2 BHO also offers professional counseling, telephone consultants, and online assistance. They assist with individualized mental health support as well as addiction treatment.
Research shows that nearly half of individuals who struggle with substance use disorder also have a co-occurring mental health disorder, such as depression, anxiety, or PTSD.4, 2nd paragraph This is known as a “dual diagnosis.” Studies show that people with mental health conditions may use drugs or alcohol as a means of “self-medicating,” and while some drugs may temporarily provide symptom relief, they make the symptoms worse over time.4, 1st list, 2nd point
If you have a dual diagnosis, many rehab facilities throughout the country provide treatments for both substance use disorder and any mental health conditions you also face.
How Long Does Behavioral Healthcare Options Insurance Cover Rehab?
The duration of your stay in rehab depends on your treatment needs. Your health insurance will at least provide partial coverage for rehab and other addiction treatments, but the percentage covered and for how long depends on your specific insurance plan. Generally, longer treatment times (3+ months) are considered most effective for long-term sobriety and recovery.5 That said, every person’s recovery is different, and the amount of time you spend in rehab will depend on the substances you use, how long you’ve been using, and the types of treatments you are accessing.
To learn more about how long your BHO insurance coverage will help cover the costs of rehab, call the number on the back of your insurance card. Ask the customer service representative what treatments are covered and for how long. You may also want to ask about your deductibles and copays that you are responsible for out-of-pocket.
Alternatively, you can call our helpline at to speak with an admissions navigator. They will verify your insurance for you while you are on the phone, answer any questions you have, discuss treatment options, and walk you through the admissions process.
What If My Behavioral Healthcare Options Policy Does Not Cover Rehab?
The cost of rehab and addiction treatment may be a deterrent for getting the treatment you need, but it does not need to be. Your BHO insurance will at least cover part of the costs of rehab. There are also a number of ways to cover your out-of-pocket expenses (e.g., deductible, copay), including:
- Loans or lines of credit.
- Payment plans offered by the treatment facility that allow you to pay them back over time.
- Fundraising and crowdfunding.
- SAMHSA grants — funding from federal and state governments to help individuals who are low-income or belong to specific populations to access funding to pay for treatment.
Getting treatment now is most important. To inquire about payment options, call us at to speak with an admissions navigator, who can help you work through the financial details and provide guidance on the financial aspect of rehab.
Behavioral Healthcare Options In-Network vs. Out-of-Network Rehab Centers
Rehab centers that are in-network with Behavioral Healthcare Options have an agreement with the insurance provider for members to access treatment at a discounted rate.
Out-of-network rehab centers do not have an agreement with the insurance provider, which means treatment will cost more and may not be covered at all by insurance.
BHO has a preferred provider organization (PPO).6 This means they have a network of providers that offer discounted rates to BHO members who are getting treatment. If you seek treatment outside of this network, your out-of-pocket costs will be significantly higher than if you choose a rehab facility that is in-network with BHO.
Behavioral Healthcare Options Plans
BHO offers plans through their partnership with the State Health Plan of Nevada, which provides plans to individuals and employers who live in Nevada and in Mohave County, Arizona. BHO supports the mental health and substance abuse benefits for these members as well as assigned HPN Medicaid recipients.7, p. 1
BHO offers a solution-focused approach to assist members with mental illness and substance use disorders.7 p. 2 They provide assistance for members to access evidence-based treatment while helping coordinate care to remove barriers so that anyone who needs to access these services is able to do so.
- Behavioral Healthcare Options. (2021). About BHO.
- Behavioral Healthcare Options. (2021). Mental Health and Substance Use.
- Behavioral Healthcare Options. (2021). Getting Started/Accessing Your Benefits.
- National Institute of Mental Health. (2021). Substance Use and Co-occurring Mental Health Disorders.
- National Institute on Drug Abuse. (2018). Principles of Effective Treatment.
- Behavioral Healthcare Options. (2021). Preferred Provider Organization Networks (PPO).
- Health Plan of Nevada. (2017). Health Plan of Nevada Behavioral Healthcare Options, Inc. (BHO) Medicaid Programs.