Find Alcohol & Drug Rehabs that Accept Optum Insurance

Many plans under Optum Intermountain Healthcare include benefits for substance use disorder treatment. Coverage typically applies when:

• A licensed provider identifies a substance use disorder
• The treatment is considered medically necessary
• The service is provided by an approved and qualified facility

Your exact benefits depend on your plan type, the state you live in, and whether your chosen treatment center is in-network.

Coverage varies, but many plans include:

• Detoxification Services: Medical detox with supervision, available in inpatient or outpatient settings.
• Inpatient or Residential Rehab: 24/7 structured care including therapy, addiction education, medical support, and relapse-prevention planning.
• Partial Hospitalization (PHP): A highly structured daytime program for people needing intensive treatment while living at home.
• Intensive Outpatient Programs (IOP): Therapy and support several days per week, offering flexibility while maintaining structure.
• Standard Outpatient Counseling: Individual, group, or family therapy sessions.
• Medication-Assisted Treatment (MAT): Covers medications such as buprenorphine, methadone, naltrexone, or medications for alcohol recovery when clinically appropriate.
• Dual Diagnosis Treatment: Support for individuals with both addiction and mental health conditions, such as anxiety, depression, PTSD, or mood disorders.
• Telehealth Services: Virtual counseling and follow-up appointments when allowed under your plan.

Coverage is based on clinical criteria such as:

• Severity of withdrawal symptoms
• Frequency and duration of substance use
• Level of medical or psychiatric risk
• Previous treatment attempts
• Safety concerns within the home environment
• Ability to participate in outpatient treatment

Optum often uses standardized tools and medical guidelines to determine if detox, residential care, or outpatient care is medically necessary.

In-Network Providers

These facilities have negotiated rates with Optum Intermountain Healthcare, so members typically pay:

• Lower deductibles
• Lower copays or coinsurance
• Fewer upfront costs

Billing and authorizations are also easier because the treatment center works directly with the insurer.

Out-of-Network Providers

Some plans offer partial coverage for out-of-network care, but costs are higher, and you may need to:

• Pay upfront and seek reimbursement
• Meet a higher deductible
• Face balance billing from the provider

Using in-network care is almost always more affordable.

Costs depend on your plan’s details. Many members can expect:

• An annual deductible that must be met before full benefits apply
• Coinsurance percentages after the deductible
• Copays for outpatient visits
• Lower costs at in-network facilities
• Higher costs for out-of-network treatment

Bronze plans usually have lower monthly premiums but higher deductibles, while Gold and Platinum plans often offer lower out-of-pocket costs for treatment.

In many cases, yes. Prior authorization may be required for:

• Inpatient detox
• Residential rehab
• Partial hospitalization
• Intensive outpatient programs
• Long-term or specialized programs
• Medication-assisted treatment (depending on the medication)

Your treatment center can request authorization on your behalf, but confirming this early helps avoid unexpected denials or delays.

Having the following details available can speed up the process:

• Your insurance ID card
• Location of the treatment center you’re considering
• Whether you need inpatient or outpatient care
• Any previous treatment history
• Current symptoms or concerns

Better Addiction Care can handle verification with your permission.

You can verify benefits by:

• Calling the number on your insurance card
• Checking your member portal for behavioral-health details
• Asking the treatment center to contact Optum on your behalf
• Letting Better Addiction Care perform a complete verification

Verification helps you understand your expected costs, required authorizations, and available treatment options.

While Intermountain Healthcare is based primarily in states such as Utah, Idaho, Nevada, and Colorado, many Optum-affiliated plans offer national access to participating behavioral-health providers.

This means members may be able to seek treatment:

• Within their home state
• Out of state
• In specialized programs that partner with Optum across the U.S.

Better Addiction Care can help identify high-quality programs that accept your exact insurance.

If your plan does not fully cover the treatment you need, options may include:

• Choosing an in-network program
• Adjusting to a different level of care if clinically appropriate
• Using facility-based scholarships or financial aid
• Requesting a payment plan
• Transitioning into outpatient care earlier when safe
• Exploring state-funded resources for eligible individuals

Cost should not prevent anyone from accessing lifesaving treatment, and many facilities offer alternatives.

Many Optum Intermountain Healthcare plans include integrated behavioral-health benefits, allowing members to receive treatment for:

• Trauma and PTSD
• Depression
• Anxiety
• Mood disorders
• ADHD
• Personality disorders

Co-occurring disorders must be treated alongside addiction for long-term recovery, and many programs specialize in both.

Most plans cover MAT when:

• The medication is FDA-approved
• A licensed provider prescribes and monitors it
• Medical necessity is established

Some plans may require prior authorization or proof of previous non-medication treatment attempts.

Treatment centers commonly request:

• Your insurance card
• A valid ID
• Recent medical records, if available
• Medication lists
• Any prior authorization approvals
• Emergency contact information

Facilities can help gather missing paperwork if needed.

Our team assists with:

• Full insurance verification
• Cost breakdowns and financial estimates
• Identifying in-network treatment centers
• Understanding authorization steps
• Communicating with Optum on your behalf
• Coordinating intake and admission

This ensures you enter treatment with clarity and confidence.

You can begin by:

1. Contacting Better Addiction Care for a confidential benefits review.
2. Exploring treatment programs that accept your plan.
3. Completing any authorization or assessments needed.
4. Moving into the level of care recommended for your situation.

Your Optum Intermountain Healthcare plan may cover far more addiction treatment services than you realize. The quickest way to get answers — and start treatment without delays — is to verify your benefits and explore your in-network options.

Contact Better Addiction Care now to confirm your coverage, understand your costs, and get connected to trusted treatment centers that accept your plan. One call can start your recovery.