Humana Health Insurance For Addiction Treatment

Medically Reviewed by Johnelle Smith, M.D. on November 30, 2023

Drug and alcohol rehab centers that accept Humana insurance can help reduce or eliminate addiction treatment expenses. The extent of coverage will vary based on a number of variables.

Drug And Alcohol Rehab Centers That Accept Humana Insurance

People battling addiction can use their Humana insurance to pay for most, if not all, of the costs associated with substance abuse treatment.

Humana offers a variety of plans, as mandated by the Affordable Care Act (ACA), to help its members get the coverage they need for addiction recovery.

Does Humana Insurance Cover Rehab?

All Humana insurance plans purchased on the marketplace will offer at least some level of coverage for drug and alcohol treatment.

The exact amount of coverage and the cost of services will vary widely depending on the specifics of your Humana plan.

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Substance Abuse Treatment Services Covered By Humana

Humana will provide coverage for a range of treatment services. These services will address the unique needs of people facing substance abuse.

Treatment Type Covered Not Covered
Long-Term Residential ✔️
Residential ✔️
Inpatient ✔️
Detox ✔️
PHP ✔️
IOP ✔️
Outpatient MAT ✔️
Dual Diagnosis ✔️

Humana Insurance Coverage By Treatment Type

Below are some of the substance abuse treatment services that Humana insurance plans typically cover.

Humana Insurance Plan Types

There are numerous insurance plans available through Humana, each with its own coverage options and features.

Health Maintenance Organization (HMO) Plans

HMO plans require members to choose a provider within the HMO network, as out-of-network services will not be covered.

HMO plans typically have lower premiums and fewer out-of-pocket costs.

Preferred Provider Organization (PPO) Plans

PPOs usually have higher monthly premiums in exchange for the option to use both in-network and out-of-network providers without getting a referral.

Out-of-pocket costs will also run higher with a PPO plan.

Point Of Service (POS) Plans

POS plans offer coverage for both in-network and out-of-network services, but they usually require you to choose a doctor and obtain a referral for specialized care.

Staying within the network using a POS plan will result in lower costs.

Generally, HMO plans may make more sense financially if you’re content letting a doctor manage your care. PPOs are a better option if you wish to use an out-of-network provider.

How To Use Humana Insurance Coverage For Substance Abuse Treatment

Utilizing Humana insurance for addiction treatment involves a few steps outlined below.

Steps to receiving addiction treatment coverage may include:

  • Contact Humana for information about your particular insurance plan.
  • Find an in-network treatment center that offers the services you need.
  • If required, get pre-authorization for treatment from your doctor.
  • Contact the rehab facility and provide the admissions department with your Humana insurance information.
  • Keep communication lines with Humana open to ensure that you’re getting the maximum amount of coverage.

If a specific treatment option is essential to your recovery but it is initially denied by Humana, you may be able to appeal the decision.

Humana Insurance Co-Pays And Deductibles For Addiction Treatment

People who purchase Humana insurance on the marketplace may have the option of four different health plan categories. Each category will differ in co-pay and deductible costs.

Insurance plan categories include:

  • Bronze plans — lowest monthly premiums with high deductibles, and pays up to 60% of treatment costs
  • Silver plans — moderate monthly premiums and deductibles, and pays up to 70% of treatment costs
  • Gold plans — high premiums but pays up to 80% of costs when you need care
  • Platinum plans — highest premiums with very low deductibles, and covers up to 90% of costs

The cost of co-payments will vary significantly across plans. On average, they may range from $0 to $40 per doctor’s visit.

What Addictions Does Humana Insurance Cover?

Humana insurance covers addictions to substances such as cocaine, opioids, alcohol, marijuana, methamphetamines, and other prescription and illicit drugs.

Gambling addiction treatment and other behavioral health services may also be covered, depending on the details of your health plan.

People battling co-occurring mental health disorders such as depression, anxiety disorders, bipolar disorder, and post-traumatic stress disorder can also receive coverage through Humana.

What If My Insurance Plan Doesn’t Cover The Treatment Program I Need?

If your insurance plan does not cover the rehab program you need to achieve sobriety, there are a variety of other ways to pursue affordable care.

Other ways to pay for a treatment program include:

  • sliding fee scales
  • payment assistance plans
  • cash or credit card
  • government block grants
  • scholarships for addiction treatment
  • crowdfunding
  • Medicaid or Medicare insurance
  • free drug rehab programs

Faith-based or nonprofit organizations are commonly funded entirely through private donations and will require no out-of-pocket costs.

Finding A Rehab Center That Accepts Humana Insurance

The easiest way to find an addiction treatment center that accepts Humana is by logging into the member portal on Humana’s website and searching for an in-network provider.

If this process is not working, you can also contact the Humana customer support helpline and ask for assistance in locating a treatment center.

You can also ask your doctor for a referral to a reputable rehab facility in the area.

The Substance Abuse and Mental Health Services Administration (SAMHSA) search tool can also be used to find a facility based on criteria such as payment options, location, and treatment types.

Find Substance Abuse Treatment Today

You or your loved ones can reach out to AddictionResource.net today for more helpful information on how to achieve lasting sobriety.

This page does not provide medical advice. See more

Addiction Resource aims to provide only the most current, accurate information in regards to addiction and addiction treatment, which means we only reference the most credible sources available.

These include peer-reviewed journals, government entities and academic institutions, and leaders in addiction healthcare and advocacy. Learn more about how we safeguard our content by viewing our editorial policy.

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Medically Reviewed by
Johnelle Smith, M.D. on November 30, 2023
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