Health Insurance providers often use a separate contracted company for mental health and substance use services. These companies, known as ‘carve-outs’, are behavioral health organizations (BHO) that contract with the primary health insurance company to manage your mental health and substance use services. Starting Point may in fact have a contract with your primary insurance company but does not always contract with the carve-out company. In order for your mental health or substance use treatment at Starting Point to be covered by insurance, we must also have a contract with the carve-out company.