Optum& addiction treatment

What's typically covered

Optum (the behavioral-health arm of UnitedHealth Group) administers mental-health and substance-use benefits for many plans. Under federal parity laws (MHPAEA) and the Affordable Care Act, most plans must cover medically necessary substance-use and mental-health treatment.

Covered services depend on medical necessity and your specific plan.

What will it cost?

Your out-of-pocket cost depends entirely on your specific Optum plan — deductible, coinsurance, and whether the program is in-network. It is not a fixed public price. The program can verify your exact benefits, usually in a single phone call.

Typical self-pay ranges (general estimates, not a quote):

Medical detox$250–$800 / day (outpatient detox often $1,000–$1,500 total; medical inpatient detox $5,000+)
Residential / inpatient$6,000–$30,000 for a 30-day program (≈$12,500 average); 60–90 days $30,000+
Partial hospitalization (PHP)$350–$450 / day
Intensive outpatient (IOP)$250–$650 / day (≈$3,000–$10,000 per program)
Standard outpatient$2,000–$10,000 per program, by intensity

These are general industry estimates to set expectations — not a price quote. Actual cost and coverage must be confirmed with the facility and your insurer. With insurance, you typically pay far less than self-pay.

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Programs that accept Optum by state

248 programs in our directory accept Optum-type coverage.

Clear Bed Recoveryconnects you to treatment facilities; we don't provide treatment ourselves. This page is general information, not insurance or medical advice.