Humana Health Insurance for Addiction Treatment

Humana Health Insurance

Humana Healthcare For Addiction TreatmentServing over 13 million customers, Humana is one of the largest health insurance providers in the United States. Humana offers a wide array of policy options to meet the specialized needs of a wide array of customers. While most Humana customers have addiction treatment coverage, the type of amount of coverage will vary significantly between plans.

Humana Addiction Resources

Humana offers addiction and mental health care resources through Humana Behavioral Health, a subsidiary of Humana. Humana Behavioral Health services include:

  • Access to participating providers
  • Treatment coordination
  • Advocacy on behalf of customers when dealing with providers
  • Assistance with questions and concerns
  • Case management in cases of multiple hospitalizations and behavioral health needs that require frequent or ongoing assistance
  • 24/7 help available
  • Confidentiality according to state and federal laws

Additional resources can be found on the Humana website in the Behavioral Health section. Resources include tips, information, and articles.

Humana Policy Coverage for Substance Abuse

Many different factors determine what addiction treatment and rehab services are covered by Humana, including individual plan details, where the individual seeking treatment lives, legal requirements, and the type of treatment being sought. Humana also offers customers on many plans the option of purchasing a separate substance abuse coverage plan if their plan does not include it. According to Humana, “In order to be covered, expenses must be medically necessary and specified as covered.” Treatment options typically covered by Humana plans include:

  • Inpatient detox
  • Outpatient detox
  • Inpatient rehab
  • Outpatient rehab
  • Prescription medications

Do Treatment Centers Need to Be In-Network?

Humana plans generally will not cover out-of-network treatment facilities. This means that plan holders will have to cover costs for themselves. In rare circumstances where an out-of-network facility is covered, the treatment seeker will generally have to pay higher deductibles and co-pays. Humana also requires patients to receive a referral from a doctor before they will cover treatment. Humana will also not cover the following:

  • Over-the-counter medication
  • New Age therapies
  • Luxury and private facilities
  • Executive treatment

Humana Coverage for Inpatient Treatment

Whether or not inpatient treatment is covered, and the amount that is covered, is entirely dependent on the individual plan and factors such as the state the treatment seeker resides in. In most cases, the facility will have to be in-network to be covered. It also cannot be a luxury or private facility.

Inpatient Rehab Service and Costs

The level of coverage provided for inpatient rehab services and costs vary depending on the plan. Because Humana requires patients to get referred to a treatment facility before they will pay, it is critical that patients review their treatment options with their physician before deciding on treatment. Although Humana only covers in-network facilities, it does not differentiate based on geography, meaning that patients do not have to stay local to be covered.

Most Humana plans will require policy holders to pay co-pays for many services, which are a designated fee that the policy holder pays before Humana will cover anything. Most plans also require policy holders to reach their deductible, which is a set amount of money that a patient must pay during a time period (usually a year) before Humana will pay for anything

Humana Coverage for Outpatient Treatment

Humana coverage for outpatient treatment is very similar to its coverage for inpatient treatment. The type and amount of coverage will depend on the individual plan and several other factors. In general, outpatient treatment is less expensive than inpatient treatment and may not impact deductibles to the same extent. Most Humana plans offer prescription drug coverage that will cover at least part of the cost of outpatient addiction treatment medications

Outpatient Rehab Services and Costs

Humana covers a variety of outpatient rehab services, but the amount of coverage and types of covered services are determined by the individual plan. Humana only covers services from in-network providers, but the company will help customers find drug and alcohol rehab providers that are in-network.

Similar to inpatient treatment, most Humana plans require policy holders to pay copays and reach deductibles before Humana will pay for outpatient treatment expenses.

How Can I Pay the Costs Not Covered by My Humana Plan?

If you or a loved one are in need of drug or alcohol rehab treatment and you have Humana health insurance, you will likely be responsible for paying some of the costs out of pocket to meet deductibles and cover copays. While this is a very legitimate concern, there are luckily many alternative methods to pay for drug and alcohol treatment, including private financing and government programs. Regardless, the financial cost of addiction and its secondary effects will dwarf the cost of rehab over time.

If you are looking for help in the fight against addiction but need to verify your insurance plan and select the proper treatment option for you, don’t wait another second. Contact us today!

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