Finding a rehab that works with United Behavioral Health or works with Oxford and Optum can be confusing because those names can appear together on behavioral health benefits, provider information, or insurance paperwork. Recovery at the Crossroads provides addiction and mental health treatment in Blackwood, New Jersey, and we can help you understand which company or benefit administrator you need to contact about your coverage.
Recovery at the Crossroads is out-of-network with Oxford, UnitedHealthcare, United Behavioral Health (UBH), and Optum. Depending on your specific insurance plan, you may have out-of-network benefits that can apply to eligible treatment services. Other plans may limit or exclude out-of-network coverage. Insurance verification is important before beginning treatment.
We provide PHP, intensive outpatient treatment, other outpatient services, mental health IOP, co-occurring disorder care, process addiction treatment,EMDR, trauma-informed care, and medication-assisted treatment when clinically appropriate.
Call Recovery at the Crossroads at 888-342-3881 to speak with our admissions team about treatment and insurance verification. You may also confidentially verify your benefits online.
If you or someone you love is struggling with the challenges of addiction, reach out to our dedicated team today.
How Do Oxford, Optum, and United Behavioral Health Work Together?
Oxford, Optum, and United Behavioral Health are related, but they should not be treated as three interchangeable insurance plan names.
Oxford Health Plans offers health insurance products and networks in New Jersey, New York, and Connecticut. UnitedHealthcare currently presents Oxford network options in New Jersey, including Oxford Liberty and Oxford Metro. Oxford insurance products are underwritten by Oxford entities.
On the behavioral health side, United Behavioral Health operates under the Optum brand on applicable contracts. Provider Express is the behavioral health provider platform for Optum and its affiliates.
Optum also states that nearly all fully insured Oxford membership for behavioral health services has moved to the Provider Express secure portal. That system supports functions such as checking member eligibility and benefits, requesting prior authorization, and handling claims-related tasks.
That relationship helps explain why someone may say, “I have Oxford insurance,” while a behavioral health provider may encounter Optum or United Behavioral Health when working with that person’s benefits.
Understanding Out-of-Network Benefits
Recovery at the Crossroads is out-of-network with Oxford, Optum, UBH, and UnitedHealthcare.
Being out-of-network does not automatically mean that no insurance benefits are available. It means we do not participate in the applicable network. Whether your insurance coverage includes benefits for our services depends on your specific plan.
Some insurance plans provide out-of-network benefits, while others have stricter network limitations. Out-of-network treatment can also result in higher out-of-pocket expenses, different deductibles or coinsurance, or responsibility for amounts the plan does not pay.
Your individual insurance benefits, not the name on the front of the insurance card alone, determine how coverage works.
Verify Your Benefits Before Treatment
Before scheduling treatment, confirm your behavioral health benefits and network rules.
Start with the customer service or behavioral health contact information on your insurance card. This is especially important with Oxford, Optum, UBH, and UnitedHealthcare because the company administering behavioral health services may not be the name you expect from the front of the card.
Our admissions team can help you identify the information needed for insurance verification. We can review the services you are considering and help determine which insurance or behavioral health administrator needs to be contacted.
Verification can clarify benefits, deductibles, authorization requirements, and expected out-of-pocket expenses, but verification does not guarantee authorization, reimbursement, or payment.
If you or someone you care about is feeling trapped in a cycle of addiction, there is hope. Recovery is possible with the right guidance, therapy, and treatment that addresses the whole person, not just the behavior.
Addiction Treatment at Recovery at the Crossroads
We provide structured addiction treatment for adults who are clinically appropriate for outpatient care. Treatment is designed to support recovery while helping clients remain connected to daily life, family, work, and community.
PHP and Intensive Outpatient Treatment
Our partial hospitalization program (PHP) provides a highly structured level of outpatient treatment during the day without requiring an overnight stay. PHP can be appropriate when a person needs substantial clinical support but does not require inpatient or residential care.
Our intensive outpatient program (IOP) provides another structured treatment option with fewer treatment hours than PHP. Clients return home after programming and continue practicing recovery skills in everyday life.
Both programs can include individual and group services, recovery education, behavioral healthcare, mental health support, and individualized treatment planning according to clinical needs.
Insurance coverage for PHP, intensive outpatient services, and other outpatient treatment depends on the member’s Oxford, Optum, UBH, or UnitedHealthcare benefits and any applicable authorization requirements.
Outpatient Drug and Alcohol Treatment
Outpatient drug and alcohol treatment can provide professional support without requiring a person to live at a treatment facility.
At Recovery at the Crossroads, outpatient treatment can help clients examine triggers, develop healthier coping strategies, improve relationships, address mental health symptoms, and build practical tools for recovery.
Some people step down to outpatient treatment after receiving more intensive care elsewhere. Others begin recovery with outpatient services because that level of treatment is clinically appropriate from the start.
The amount an insurance company will pay toward these services depends on the member’s specific benefits and coverage. We do not assume that Oxford, Optum, UBH, or UnitedHealthcare will cover treatment with us simply because behavioral healthcare benefits appear on an insurance plan.
Mental Health and Co-Occurring Conditions
Mental health and substance use frequently affect one another.
Someone receiving drug or alcohol treatment may also experience depression, anxiety, trauma, bipolar disorder, or another mental health condition. Our co-occurring treatment approach allows us to address both areas within the same broader plan of care when clinically appropriate.
We also provide a dedicated mental health IOP for adults who need structured mental health services but do not require inpatient hospitalization.
Mental health treatment may include evaluation, medication monitoring, individual therapy, group-based services, psychoeducation, case management, and other support based on the person’s needs.
Insurance coverage for mental health and addiction treatment should be verified according to the member’s actual plan rather than assumed from the insurance company name.
Process and Behavioral Addictions
Recovery at the Crossroads also provides treatment for process addictions and compulsive behaviors.
These concerns may involve gambling, gaming, shopping, sexual behavior, internet use, or other activities that have become difficult to control and are affecting a person’s health, relationships, finances, or quality of life.
Insurance coverage for behavioral or process addiction services can differ from benefits for drug and alcohol treatment. We therefore recommend verifying those benefits separately rather than assuming that all behavioral health services are covered in the same way.
Trauma-Informed and Inclusive Care
Our treatment approach recognizes that recovery can involve far more than stopping alcohol or drug use.
We provide trauma-informed services, EMDR when clinically appropriate, psychiatric support, individual and group therapy, and other services intended to address broader factors affecting a person’s health and recovery.
Recovery at the Crossroads welcomes adults from different cultures, backgrounds, and beliefs. We can also provide culturally sensitive and kosher recovery support for Jewish clients who want those services while remaining an inclusive treatment program for everyone.
Our focus is on providing respectful, individualized healthcare that considers the whole person rather than reducing treatment to a diagnosis or insurance account.
Break free from addictive behaviors today. Hope and healing are possible.
Understanding Treatment Costs
There is no single cost for treatment simply because someone has Oxford, Optum, UBH, or UnitedHealthcare insurance.
Your cost may depend on the services received, the plan’s deductible, coinsurance or copay requirements, network rules, the amount recognized by the insurance company, and whether authorization is required.
Because Recovery at the Crossroads is out-of-network, out-of-pocket expenses may be higher than they would be with an in-network provider. Depending on the plan, members may also have limitations on which out-of-network services are covered.
We do not publish a standard deductible, copay, coinsurance percentage, or guaranteed amount that insurance will pay because these figures vary by plan. Generic online cost estimates are not a reliable substitute for checking your actual coverage.
Some employer-sponsored plans may also be paired with a health savings account. Funds in an eligible HSA may generally be used for qualified medical expenses, but whether a particular expense qualifies and how an account should be used are separate questions from whether an insurance plan covers treatment.
Insurance Coverage and Prior Authorization
Behavioral health coverage can include different requirements for different services.
Provider Express allows behavioral health providers to verify member benefits and request prior authorization, and its administrative resources include authorization information for different services and plans.
That does not mean every outpatient service requires prior authorization. Requirements depend on the insurance plan and treatment being requested.
Before starting PHP, intensive outpatient treatment, or another structured program, confirm whether prior authorization applies to your benefits. If authorization is required, completing the necessary paperwork before treatment can help reduce avoidable insurance problems.
Addiction and Mental Health Treatment in South Jersey
Recovery at the Crossroads is located at 509 NJ-168 in Blackwood, New Jersey. We serve people throughout Camden County, Gloucester County, and surrounding South Jersey communities, including Cherry Hill, Camden, Turnersville, Washington Township, Woodbury, and Gloucester Township.
For people who are appropriate for outpatient healthcare, receiving treatment close to home can make it easier to remain connected to family, work, community resources, and everyday responsibilities.
Our focus is on evidence-based addiction and mental health treatment delivered with respect, compassion, and individualized support.
Start With Your Insurance Card
If your card says Oxford, UnitedHealthcare, Optum, or United Behavioral Health, you do not need to research the entire corporate structure before asking for help.
Start with the member information on your insurance card. Ask about behavioral health benefits, substance use treatment, PHP, intensive outpatient treatment, mental health services, out-of-network coverage, authorization requirements, and expected out-of-pocket expenses.
You can also call Recovery at the Crossroads at 888-342-3881 or confidentially verify your benefits online. Our admissions team can help you understand the next steps without promising insurance coverage that has not been confirmed.
Take the First Step
If you or someone you love is dealing with addiction, don’t wait to get help. Recovery is possible with the right guidance, support, and treatment. Call Recovery at the Crossroads today at (888) 342-3881 to learn more about our addiction treatment programs.
Frequently Asked Questions
What Exactly Does Optum Do?
Optum performs many healthcare functions, but the role most relevant to this page is behavioral health administration and provider-network support. Provider Express is the behavioral health provider website for Optum and its affiliates.
Optum states that nearly all fully insured Oxford behavioral health membership has moved to Provider Express for functions that include checking eligibility and benefits, requesting prior authorization, and handling claims-related tasks.
Is United Behavioral Health the Same as UnitedHealthcare?
No. The names are related, but they should not be used interchangeably.
United Behavioral Health operates under the Optum brand on applicable behavioral health contracts. UnitedHealthcare offers and administers health insurance products, while Oxford insurance products are issued through Oxford entities. Depending on the plan, a member may therefore encounter more than one of these names while accessing behavioral health services.
Does UnitedHealthcare Pay for Rehab?
UnitedHealthcare and related plans can include mental health and substance use disorder benefits, but there is no universal answer about payment for a particular rehab program.
Coverage depends on the specific insurance plan, requested treatment, network status, medical necessity, authorization requirements, and other benefit provisions.
Recovery at the Crossroads is out-of-network, so members should verify whether their plan provides out-of-network benefits that may apply to our treatment services.
How Long Will Insurance Pay for Addiction Treatment?
There is no standard 28-, 60-, or 90-day period that applies to every UnitedHealthcare, Oxford, UBH, or Optum-related plan.
The length of covered treatment can depend on the services being requested, medical necessity, clinical progress, authorization requirements, and the member’s benefits. Treatment length should also be based on clinical need rather than an arbitrary insurance timeline.
Can Someone With Mental Health Conditions Receive Addiction Treatment?
Yes. Mental health conditions and substance use disorders can occur together, and treatment can address both when clinically appropriate.
At Recovery at the Crossroads, we provide co-occurring care as well as a dedicated Mental Health IOP. Someone experiencing an immediate mental health crisis should use appropriate emergency or crisis services rather than relying on a routine treatment admissions process.
Sources
The information on this page is based on publicly available guidance from UnitedHealthcare, Oxford Health Plans, Optum/United Behavioral Health, federal behavioral health resources, and Recovery at the Crossroads. Because insurance benefits, network arrangements, authorization requirements, and coverage vary by plan, members should always verify their individual benefits using the contact information on their insurance card before beginning treatment.
- UnitedHealthcare: Oxford Networks in New Jersey
UnitedHealthcare provides information about Oxford network options in New Jersey and identifies the Oxford entities responsible for applicable insurance products.
https://smallbusiness.uhc.com/resources/NJ/our-networks - Optum Provider Express: Oxford Behavioral Health Administration
Optum explains that nearly all fully insured Oxford behavioral health membership has moved to Provider Express for functions including eligibility and benefit checks, prior authorization requests, and claims-related tasks.
https://public.providerexpress.com/content/ope-provexpr/us/en/Top-of-Mind/top-of-mind-all-news-/oxford-behavioral-now-in-provider-portal.html - Optum Provider Express
Provider Express is the behavioral health provider website for Optum and its affiliates. It includes resources for verifying benefits, requesting prior authorization, accessing clinical criteria, and working with behavioral health plans.
https://www.providerexpress.com/ - Optum Provider Express: Network Information
Provider Express provides network information for UBH/Optum providers and maintains separate resources and directories for Optum and Oxford participating providers.
https://public.providerexpress.com/content/ope-provexpr/us/en/our-network.html - Optum Provider Express: Forms and Authorization Resources
Provider Express provides behavioral health forms and administrative resources, including materials that apply to Optum Behavioral Health and Oxford plans.
https://public.providerexpress.com/content/ope-provexpr/us/en/admin-resources/forms.html - UnitedHealthcare: Contact Information
UnitedHealthcare provides member contact resources. Members should also use the customer service or behavioral health number shown on their individual insurance card when verifying plan-specific benefits.
https://www.uhc.com/contact-us - SAMHSA: Find Help and Treatment Resources
SAMHSA provides resources for people seeking mental health and substance use disorder treatment and support.
https://www.samhsa.gov/find-help
Important Insurance Notice
Recovery at the Crossroads is an out-of-network provider with Oxford Health Plans, UnitedHealthcare, United Behavioral Health, and Optum. References to Oxford, UnitedHealthcare, United Behavioral Health, UBH, Optum, insurance benefits, behavioral health services, healthcare coverage, or insurance coverage are provided for general educational purposes only.
Insurance verification does not guarantee coverage, authorization, reimbursement, or payment. Benefits, eligibility, deductibles, copayments, coinsurance, allowed amounts, network requirements, limitations, medical necessity determinations, exclusions, and member responsibility for out-of-pocket expenses depend on the individual’s insurance plan and circumstances. Final benefit and claim decisions are made by the applicable insurance company or plan administrator.
Recovery at the Crossroads is not affiliated with, sponsored by, or endorsed by Oxford Health Plans, UnitedHealthcare, United Behavioral Health, or Optum.