Millions of individuals and families across the United States are affected by substance abuse and addiction. Most people who live with addiction require professional treatment in order to recover, but without health insurance, costs for drug rehab can be expensive.
Many substance abuse treatment centers, including Recovering Champions, work with health insurance companies to expand affordable access to addiction treatment. This includes leading insurance companies like Humana, which offers a range of health insurance plans for individuals nationwide.
If you’re insured through Humana, your plan may include substance abuse benefits that can be used to reduce or fully cover the costs of treatment.
Does Humana Health Insurance Cover Drug And Alcohol Rehab?
Humana coverage for drug and alcohol treatment depends on the type of insurance plan you have and your insurance policy. If you have behavioral health benefits included in your insurance plan, this may be used to pay for treatment services covered under your policy.
In addition, other factors that may affect your coverage include:
- where you live
- whether your plan requires you to seek services from in-network treatment providers
- deductible requirements
Under the Affordable Care Act (ACA), all health insurance companies are required to offer coverage for substance abuse and mental health services within their plans.
In addition, federal insurance parity legislation requires that behavioral health services be covered the same as medical treatments.
Humana Coverage For Drug Rehab
Humana offers behavioral health coverage through Humana Behavioral Health, a subsidiary of the parent insurance company. The amount of coverage you have, and the types of drug treatment services that are covered, may depend on your specific policy.
Humana offers a range of insurance plans, including:
- Medicare Advantage
- Medicaid (in certain states)
- individual and group plans
- employer-sponsored plans
Humana plans purchased through the Health Marketplace are available at different tier levels: Bronze, Silver, Gold, and Platinum. Available tier levels may vary depending on where you live in the United States.
The type of plan you have will determine your monthly premium costs, deductibles, cost-sharing, and copay requirements. Bronze plans generally offer the lowest monthly premiums, with the highest copays. Platinum plans offer the opposite: highest monthly premiums, lower copays.
Treatment Programs Covered By Humana Insurance
Overcoming drug addiction often requires treatment at multiple levels of care, beginning with inpatient care. Humana healthcare plans are accepted by treatment centers across the country, which can help reduce costs for both inpatient and outpatient substance abuse treatment.
Treatment programs eligible for Humana insurance coverage include:
- medical detoxification (detox)
- inpatient rehabilitation
- residential treatment
- partial hospitalization/day treatment
- intensive outpatient treatment
- outpatient treatment services
Recovering from addiction is a lifelong journey. Using health insurance to help cover the costs of treatment can reduce your financial burden and allow you greater freedom during the healing process.
For people addicted to drugs and alcohol, the road to recovery often begins with detox. Medical detox programs offer the safest and most effective way to get sober and coordinate continued care in a treatment program.
Most health insurance providers offer coverage for detox services. Preauthorization and copayment requirements may apply.
Chronic or severe addiction is best treated in an inpatient environment, where someone can receive around-the-clock care and support.
Inpatient rehab services may include:
- individual therapy
- group therapy
- mental health counseling
- clinical care
- medication-assisted treatment
- holistic therapies
- aftercare coordination
Inpatient and residential treatment programs may be eligible for rehab coverage offered within select Humana insurance plans. Your amount and length of coverage will depend on your individual policy.
Outpatient Treatment Programs
Outpatient treatment can offer ongoing support throughout the addiction recovery process. Outpatient treatment can be offered as part of a formal treatment program, or as standalone treatment services through a treatment provider.
Humana insurance plans offer coverage for a range of outpatient treatment programs and services, including prescription drug coverage, counseling, and primary care visits with health care providers.
Using Insurance To Pay For Drug And Alcohol Rehab
There are a few important things to know before making plans to use health insurance to pay for substance abuse treatment.
Understanding more about your insurance benefits and Humana’s requirements for using your insurance for rehab can prevent unnecessary stress and costs down the line.
What to know before planning to use Humana insurance to pay for addiction rehab:
- whether your health plan includes behavioral health benefits
- which types of treatment services are covered under your policy
- which rehab centers accept Humana insurance
- your responsibility for copayment or out-of-pocket costs
- whether your plan requires you to seek precertification prior to beginning treatment
If you have a Humana HMO plan, you may be required to seek a referral for treatment and seek treatment only from in-network treatment providers to receive coverage. With a PPO plan, this may not be required.
To verify eligibility requirements, you’ll need to check your insurance policy or contact your insurance company directly to learn more.
Finding Rehab Centers That Accept Humana Insurance
At Recovering Champions, we understand the struggle of finding affordable, high-quality treatment for someone you love.
Our leading addiction rehab center in Massachusetts can help you or a loved one find the best treatment program for you, based on your needs.
By calling our helpline, one of our addiction specialists can:
- verify your insurance (with your permission)
- explain your treatment options
- help you determine the right treatment program to meet your needs
Verify Your Humana Insurance With Recovering Champions
Recovering Champions is an accredited treatment facility based in Cape Cod, Massachusetts that offers a wide range of treatment programs for substance abuse and dual diagnosis.
Let us help you or a loved one begin their addiction recovery journey. Call us today to verify your insurance and to learn more about our New England rehab center.