Insurance Provider Information

Optum Health Insurance Basics

Optum coverage varies depending on where you live. The company offers HMO and PPO plans, each with distinct features. Those with HMO plans can choose an in-network primary care physician who can refer them to other specialties. Optum’s HMO plans tend to have lower monthly premium payments, but coverage doesn’t extend outside the network. Comparatively, PPO plans allow you to see anyone you choose without needing a referral, but the cost of out-of-network care is much higher.

As with any insurance coverage for addiction and behavioral health services, it’s essential to know your out-of-pocket expenses. You’ll likely have to deal with deductibles, copays and coinsurance costs. The deductible is the amount you’re responsible for before insurance coverage kicks in.

So, if an Optum policy has a deductible of $500, this is the amount you must pay before your coverage takes over to pay the remainder.

Coinsurance is a percentage of covered services that varies depending on the plan. So, for instance, if your coinsurance rate is 30%, the insurance company will pay 70% of the cost of covered service and you’re responsible for the remaining 30%. A copay is a set amount you pay for covered services upon receiving them. So, for instance, if your copay is set at $25, then each time you see a provider, this is the amount you’re responsible for paying up front. 

We Accept Most Insurance

Behavioral Health Centers does not accept Medicare or Medicaid.

We Accept Most Insurance

Behavioral Health Centers does not accept Medicare or Medicaid.

Behavior Health Centers Mental Health Services

Seeking help for your mental health is brave and commendable. However, if you’re unsure what therapy interventions your Optum mental health coverage includes, you may not receive the health you need.

Fortunately, our insurance experts at Behavioral Health Centers are always available to help you with your Optum plan. Call us today at 855-299-472 or visit our offices at 208 SW Port St. Lucie Boulevard in Port St. Lucie.

We’ll help you learn everything about your Optum mental health coverage. We’ll also provide you with educational material about our mental health services to help you make the right decisions about your mental well-being.

Get Help Today

Don’t let the cost of substance abuse treatment deter you from getting the help you need. Behavioral Health Centers is a treatment facility that is committed to taking every step necessary to ensure your treatment is accessible and affordable. If you or someone you love is struggling with an addiction to alcohol or drugs, reach out today and take the first step in your recovery journey.