Rehabs That Accept Optum Health Insurance

Rehabs That Accept Optum Health Insurance

Paying for Drug and Alcohol Treatment with Optum Insurance

Millions of people struggle with drug or alcohol addiction throughout the United States. This can be a debilitating disease, and finding the right treatment and recovery services can be difficult and expensive.

Having insurance can make affording drug and alcohol treatment much easier than it would be without this coverage. Optum Insurance offers health insurance coverage for various substance use disorder treatment services.

While the exact amount of coverage you may be able to receive will depend on your specific plan and care needs, having insurance can help significantly reduce and even eliminate the costs of addiction treatment.

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Optum health insurance coverage falls under UnitedHealthcare, which only offers coverage in certain states. However, Optum Health also partners with certain medical groups so that it can offer more local behavioral healthcare services.

The exact level of coverage you will be able to receive will depend on your specific Optum health insurance plan and location, as well as what types of treatment you are looking for.

Knowing your Optum benefits will make it easier to find a treatment provider and recovery program that will best serve your needs.

Does Optum Insurance Cover Drug and Alcohol Rehab Programs?

Optum Insurance Coverage

Optum health insurance coverage, like many other healthcare providers, will only apply to those who live in certain states. These include:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Florida
  • Indiana
  • Massachusetts
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Texas
  • Utah


Under the Affordable Care Act, each of these states requires insurance providers to offer health insurance plans that offer behavioral healthcare coverage, including addiction and mental health treatment.

Substance Abuse Treatment Services Covered By Optum Insurance

Substance Abuse Treatment Services

When it comes to addiction treatment, there is generally no one-size-fits-all approach. What works for someone else may not work for you. There are many levels of care involved in the rehab process for alcohol and drug abuse.

Addiction treatment programs and services that are covered under Optum insurance, as well as most other major health insurance plans, including:


Depending on your Optum insurance benefits, you may still have to pay for a portion of your addiction recovery costs. This may include copays and deductibles, which can contribute to your out-of-pocket costs.

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Medically Supervised Detox

For many people, their addiction treatment process will begin with medical detoxification. Individuals who are struggling with drug and alcohol abuse will have formed a dependency on these substances.

This means that their recovery will likely cause them to experience uncomfortable and potentially life-threatening withdrawal symptoms as their bodies adjust to no longer using an abused substance.

Recovering in a clinical and constantly monitored environment will be the safest and most effective way for these individuals to begin their initial treatment process.

This process may include the administration of certain prescription medications to help manage and prevent withdrawal symptoms as well as drug cravings that may increase the risk of relapse.

Finding an in-network insurance provider will help you more easily cover the costs of medical detox services. Fortunately, your Optum health insurance plan should make attending treatment easier and more affordable with its benefits.

Inpatient Addiction Treatment Services

Inpatient Addiction Treatment

Those with more severe substance use disorders, will need more intensive care. This will typically take place at an inpatient rehab facility, which can provide 24/7 support and access to recovery tools and services.

This level of care will also better serve those with co-occurring mental health disorders, as an inpatient treatment facility will likely include various mental health services in its recovery approach. This may include:


Those who would benefit most from an inpatient treatment program include those who:

  • Do not have a supportive home environment.
  • Have a co-occurring mental illness.
  • Have tried and failed with other, less intensive treatment methods.
  • Will benefit from a supportive recovery environment and network.


Determining which level of substance abuse treatment will best serve your personal care needs can be difficult. Speaking with your healthcare provider or an addiction specialist can help you narrow down your treatment options and verify your insurance coverage.

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Outpatient Treatment

For those who need a long-term recovery approach, Optum insurance covers outpatient treatment services as well. While this level of care is considered to be less intensive than other rehab services.

While receiving outpatient care, you will likely attend support group sessions at your treatment center several times a week, while still being able to return to the comfort of your own home afterward.

Outpatient treatment centers provide many of the same services as more intensive levels of care, but on a more flexible schedule and affordable basis, and may best suit those who:

  • Have unavoidable time and financial constraints.
  • Have a supportive living and recovery environment.
  • Have family or work responsibilities and obligations.
  • Cannot afford more intensive treatment costs.


There are also several different types of outpatient treatment services that can meet the needs of even those with more severe addictions, including intensive outpatient programs (IOPS) and partial hospitalization programs (PHPs).

Using Your Optum Insurance Plan To Cover the Costs of Addiction Treatment

Costs of Addiction Treatment

After researching what treatment options will work best for you, it is important to check in with your insurance company to verify your coverage options and benefits.

You can also verify this information by calling the Find Addiction Rehabs 24/7 hotline, or by using our fast and free insurance verification tool.

FAQs on Rehabs that Accept Optum Health Insurance

There may be many questions that come up for those who are seeking addiction treatment and want to use their insurance plan to help provide coverage for their recovery costs. One of the biggest asked questions is:

Can I Go to Rehab Without Insurance?

Not having any form of insurance can feel like a major roadblock when looking for a rehab center or recovery program that can properly address all of their care needs.

However, there are many different payment options aside from insurance available to help cover the costs of rehab. There are many free and state-funded rehab programs that can provide treatment for those in financially sticky situations.

Other options include financial assistance programs that can help provide funding for people seeking addiction treatment while in financially tough situations. You may also look into methods of minimizing your out-of-pocket expenses such as:

  • Sliding scale based payment plans and periodic billing services that factor in your specific income and financial capabilities.
  • Scholarships and grants, which may be provided through certain treatment centers or your state.
  • Asking for financial assistance or loans from your family, friends, and community.


What are the Costs of Rehab vs the Costs of Addiction?

The costs of rehab can be intimidating at first glance. However, these prices often pale in comparison to how much addiction can cost itself. This does not just include the financial costs of addiction, but the physical and emotional tolls your substance abuse may have.

Unlike addiction, the costs of rehab and treatment can be solely measured in monetary value alone. When it comes to the costs of substance abuse, however, money is just the beginning of this problem.

After all, addiction comes at the expense of not only your physical and mental well-being but that of your family and friends, as well. You will also face the risk of losing your job stability and causing harm to many other important factors of your life.

There is also the societal cost of addiction to take into consideration, with substance abuse costing an estimated $532 million annually. This includes the expenses of housing incarcerated individuals, as well as the provision of healthcare services for addicted people.

Overall, no matter how you discuss the costs of addiction treatment, getting the help you need will always be a worthy investment. After all, when it comes to the price to be paid for your addictive habits, whether these be monetary or otherwise, may never be able to be recovered.

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Find an Addiction Treatment Center That Will Accept Optum Insurance Now!

While having insurance is not necessary for you to find the proper help for overcoming drug or alcohol abuse, it can certainly make this crucial step easier to take and make a successful recovery more achievable.

Whether you do or don’t have insurance, do not hesitate to reach out to the Find Addiction Rehabs recovery team, to start discussing your addiction treatment and payment options today. We can help you find recovery resources and services that will provide all of your needs, at a price you can afford.

So don’t wait; call now, and we will help you start your recovery journey by finding affordable drug and alcohol rehab programs that take Optum Health.

Reach out today to start a journey that will help you achieve a healthier and happier life!


* Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by Optum Health Insurance. Details about Optum’s coverage are intended for informational purposes only. The specific details of your Optum plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.

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