Most people do not intend to abuse or become addicted to health-destructive substances. Peer pressure, human curiosity, overwhelming stress, and relaxing drug restrictions and a number of other factors can lead to the development of addiction.
However, those suffering from addiction can use their medical insurance plans, such as Humana, for alcohol and drug rehab programs to enter recovery.
Rehab Centers That Accept Humana Insurance
The rehab centers that accept Humana behavioral health insurance can be half-way houses and residential or outpatient facilities.
Addicted individuals may need several weeks to several months of treatment. Additionally, other factors that affect the length of treatment include the type of substance abuse, mental health, and the progression of addiction.
Many rehab centers located throughout the United States accept Humana insurance for addiction treatment and for those struggling from substance use disorders.
Humana Coverage For Substance Abuse Treatment
Humana coverage involves using an individual’s health plan within their HMO network of rehab centers.
The recovering individual does have the option of using out-of-network providers, but their out-of-pocket expenses will be higher. These expenses can include copays, hospital stays, the 12-step program, dual-diagnosis treatment programs, and medication-assisted treatment.
Does Humana Cover The Cost Of Inpatient Drug And Alcohol Treatment?
Depending on your plan, Humana insurance may cover full or partial costs of inpatient treatment for substance abuse. The coverage amount could depend on whether the inpatient rehab center is in-network with Humana and the length of the program.
Patients are responsible for meeting their Humana deductible and any costs not covered by their insurance policy, including copayments. Prior authorization from the insurance carrier may also be required before starting the rehab program.
Does Humana Cover The Cost Of Outpatient Addiction Treatment?
Outpatient rehab costs may be covered by Humana health insurance plans. However, outpatient treatment programs for addiction vary in length and intensity. Policyholders may have to submit to a full clinical assessment and obtain a recommendation from a doctor in order to have outpatient treatment costs covered by Humana.
Does Humana Cover The Cost Of Partial Hospitalization Programs?
Partial hospitalization programs (PHP) are highly intensive, taking place four or five days a week, for four or more hours per day. The costs of partial hospitalization programs may be covered by your Humana insurance, though level of coverage will vary by plan tiers.
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In general, PHPs may come with copayments and additional costs. For example, prescriptions may be used in medication-assisted treatments during partial hospitalization. Though medication-assisted therapy is part of the PHP, the costs will be separate from the program and may still be covered by Humana.
Does Humana Cover The Cost Of Intensive Outpatient Programs?
Humana may cover the cost of intensive outpatient programs (IOP) if the policyholder follows all guidelines for coverage eligibility. Similar to Humana coverage for PHPs, policyholders may have to ensure intensive outpatient programs are in-network with Humana and take place for a specific number of hours and days per week.
Does Humana Cover The Cost Of Suboxone?
Medication-assisted treatment (MAT) with Suboxone costs can be covered by Humana, but will vary according to the program. MAT can be offered in both inpatient treatment and outpatient programs, but medication costs are separate from the rehab program.
Whether Suboxone is covered through your Humana plan may be affected by your insurance tier and if the medication is on the plan’s preferred prescription list.
Does Humana Cover The Cost Of Methadone?
Methadone is used in opioid treatment programs as part of medication-assisted treatment as well. The cost of methadone may be covered by Humana insurance policies. However, this medication is offered in different forms and coverage will be different for each type of methadone.
Does Humana Cover The Cost Of Sober Living?
Humana health insurance policies can cover the cost of sober living housing. Sometimes considered a form of outpatient care, sober living homes provide a safe, supported environment for recovering individuals who no longer need medical supervision.
Humana Behavioral Health Insurance
Humana insurance for addiction treatment also consists of short-term medical plans that can last as long as three years.
Depending on the healthcare plan purchased and after the deductible is paid, Humana plans can cover up to 100 percent of the cost of substance abuse treatment programs.
Additional financial resources are available to supplement the addicted individual’s medical expenses. These include state-funded assistance for rehab programs, scholarships, and grants, as well as financing provided by rehab centers.
Do Rehab Centers Have To Be In-Network To Accept Humana?
Although rehab centers do not have to be in-network to accept Humana, expenses will increase if a person chooses to seek treatment outside the Humana network. That is why it is highly recommended to stay within the HMO network.
Which Rehab Centers Accept Humana Insurance?
There are hundreds of addiction treatment facilities operating in the United States that accept Humana insurance.
Rehabilitation services for addiction treatment can be completely covered, depending on which Humana policy is purchased. Those suffering from addiction can also obtain same-day placement into rehab centers.
A Humana plan representative can provide individuals with a list of rehab facilities that will cooperate with their plan. Our highly trained treatment specialists can also assist individuals in finding out the exact terms of their Humana insurance coverage.
States That Offer Humana Insurance
Humana serves over 13 million clients and is one of the largest healthcare insurance providers in America.
The following states provide Humana insurance plans, which cover substance abuse treatment:
New York also uses its own Humana Medical program. Texas has the Humana Select Health program, and Arizona has the Medicare Humana Advantage Plan.
The substance abuse coverage provided by Humana plans depends on the policy.
Coverage level options by Humana plan are as follows:
- Bronze Plans — 60 percent of expense coverage
- Silver Plans — 70 percent of expense coverage
- Gold Plans — 80 percent of expense coverage
- Platinum Plans — 90 percent of expense coverage
For further policy details, the recovering individual should contact their Humana insurance agent or a rehab facility professional.
Seeking Addiction Treatment Using Your Humana Plan
Selecting and obtaining the best Humana plan for those struggling with substance use disorders is just the beginning of the road to recovery.
Humana plans can be supplemented with local, state, and national financial assistance programs. Every state provides substance abuse treatment assistance.
Knowing what you have to pay out of pocket, any cost-sharing measures you may be able to access, and what types of addiction treatment are covered will help ease the financial side of treatment.
Humana Insurance Cost-Sharing Measures For Addiction Treatment
Cost-sharing measures are available for certain Humana Behavioral Plan members. These measures reduce deductibles, co-payments, insurance premiums, and other out-of-pocket expenses.
Top 10 Addictions Covered By Humana Insurance Plans
Individuals seeking treatment using their Humana plan may struggle with a range of addictions, as well as mental health disorders, such as depression.
Most rehab centers accepting Humana provide coverage for these top 10 addictions and more:
The following behavioral health services will require preauthorization from Humana:
- inpatient hospitalization
- partial hospitalization
- residential treatment
- applied behavioral analysis
- electroconvulsive therapy
- transcranial magnetic stimulation
To learn more about what’s covered by your individual Humana plan, or to find a list of rehab centers that accept Humana, speak with one of our treatment specialists today.
Updated on July 27, 2020
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