Humana Insurance Coverage For Alcohol And Drug Rehab
- Humana Insurance Coverage
- How Humana Pays For Treatment
- Do I Have To Stay In-Network?
- Out-Of-Pocket Costs
- Covered Treatment Programs
- Verifying Your Humana Insurance
Humana insurance plans may provide many health benefits, such as drug and alcohol treatment. Depending on the policy, Humana plans may cover substance abuse treatment and help pay for rehab programs, outpatient treatment, and more.
Humana insurance provides healthcare coverage to over 13 million Americans. The insurance company covers 47 states and the District of Columbia.
Humana is a popular insurance supplement option, complementing the standardized Medicare health plan. This means that members of Humana may have access to abundant benefits in many areas across the United States.
These benefits may help cover the costs of drug and alcohol rehab programs. Spring Hill Recovery Center works with many types of insurance companies, similar to Humana and other private health insurance plans.
Humana Insurance Coverage For Massachusetts Drug And Alcohol Rehab
The amount of coverage and out-of-pocket expenses for drug and alcohol rehab varies by the type of Humana plan you are enrolled in.
Many healthcare plans in the Health Insurance Marketplace provide policies in four main tiers based on how much medical care you’re anticipating to receive. These plans are available for enrollment at a certain time each year, with some exceptions based on life-changing circumstances.
These tiers include:
- Bronze — Usually offers lower premiums and covers 60 percent of expenses.
- Silver — Offers modest premiums and covers 70 percent of medical costs.
- Gold — Has higher premiums but lower out-of-pocket costs. Covers 80 percent of medical expenses.
- Platinum — Offers the highest amount of coverage at 90 percent. Available in select states only.
The amount of your deductible may affect the overall costs of your addiction treatment. For example, you may have to pay the deductible threshold before coverage is applied for a drug rehab program.
It is advisable to research the deductible amounts of the benefits covered in your healthcare plan before visiting an addiction recovery center. Where you go for the treatment may also affect coverage prices if the facility is in-network or out of network for your plan.
How Humana Insurance Pays For Addiction Treatment
It’s true that you get what you pay for when it comes to quality addiction treatment services. Having an insurance plan available when receiving addiction treatment is far less expensive than paying the full amount by yourself.
Whether the facility of your choice is in-network or not, there is usually some type of savings involved with most insurance companies. Several factors can affect the overall cost of addiction treatment with health insurance. Here’s what to look for to help you plan out the price for your substance abuse treatment.
Do I Have To Stay In-Network To Use My Humana Insurance For Massachusetts Drug Rehab?
Humana insurance provides many employer group and Medicare-assisted health plans. Healthcare plans in general most often fall under two major categories—PPO and HMO plans.
Both types of plans operate in a network of preferred treatment providers. Getting drug rehab treatment at an in-network provider usually has a higher amount of savings. You’re more likely to have full or partial coverage of the treatment when you stay in-network with your healthcare plan.
Humana affiliated plans often have reduced coverage available for out-of-network providers. This means that Humana members may be eligible for savings even if the provider of choice is not part of their plan’s network. Hence, health insurance plays an important role in reducing out-of-pocket costs for drug rehab services.
Out-Of-Pocket Costs For Drug Rehab
What will be your out-of-pocket costs for drug rehab services? Your treatment costs usually include meeting the deductible, copayments, and any additional costs not covered by your health insurance plan.
It’s important to understand the deductible in your plan so you know how much you need to pay upfront. If you need help paying for the out-of-pocket expenses, a number of payment plan options may be available to defer the cost.
Many rehab centers are knowledgeable about scholarships that may help with payment. Other grants, scholarship funds, and sliding fee scales offered by treatment centers may also help patients and their families pay for addiction treatment.
How Do I Find A Massachusetts Rehab Center That Accepts Humana?
Humana’s various healthcare plans are widely accepted by many rehab centers in the country. To find out if your insurance qualifies, talk with a Humana insurance agent about your treatment options.
You can also speak with a treatment representative at Spring Hill Recovery Center to find out more. It’s important to be informed about what’s covered in your plan to avoid unwanted surprises regarding the cost of treatment.
Does Humana Cover Inpatient Rehab?
The amount of costs covered for inpatient treatment, residential treatment, and outpatient treatment may vary with Humana affiliated plans such as those Humana insurance provides.
Inpatient programs typically last two weeks or more, sometimes up to 90 days. The length of time for coverage regarding residential treatment may depend on your clinical evaluation. More covered rehab time may be approved by Humana if it is deemed necessary for the patient’s recovery, including residential treatment.
Is Alcohol and Drug Detox Covered By Humana?
Detoxification is often the first critical step in treatment for substance use disorders. Most insurance carriers provide a form of coverage for this important milestone in alcohol and drug abuse treatment.
Does Humana Cover Outpatient Drug Rehab?
Outpatient treatment is a flexible substance abuse treatment option that does not require an overnight stay at a medical facility. This common practice is usually covered in many Medicare and Medicaid affiliated plans like Humana. Coverage may differ based on the individual plan.
Are Partial Hospitalization Programs Covered Through Humana?
Humana policies typically cover partial hospitalization programs. Partial hospitalization may be needed if the newly recovering individual is unable to receive inpatient treatment after detoxification.
Are Intensive Outpatient Programs Covered By Humana?
A Medicare supplemental plan such as Humana may also cover intensive outpatient programs. These programs are similar to partial hospitalizations in form and structure. Coverage amounts depend on the individual plan.
Does Humana Cover Medication-Assisted Treatment Programs?
Humana and many other supplemental health plans may cover medication-assisted treatment when other plans have met their threshold. These treatment programs are safe and effective for alcohol and drug addiction.
Does Humana Cover Methadone Costs?
Methadone maintenance therapy along with other MAT plans are often covered by Humana plans to assist the treatment of opioid addictions.
Will Massachusetts Humana Cover Suboxone Therapy?
Suboxone therapy is a type of medicated-assisted treatment combined with professional counseling. It is often covered in Humana insurance plans along with buprenorphine and other MAT medications.
Does Humana Cover Sober Living?
Sober living homes are a variation of residential treatment. They may help the patient transition from the rehab center back to a normal, real-world routine. Coverage for transitional living facilities may vary with each Humana supplemental plan.
Does Humana Cover Aftercare?
The amount of coverage for aftercare depends on each Medicare affiliated plan. Your insurance provider may need additional approval for extended aftercare coverage.
Verifying Your Humana Insurance for Addiction Treatment
When you’re ready to begin addiction treatment for yourself or your loved one, it’s important to verify your insurance coverage. It is recommended to begin researching treatment options at various rehab centers to determine which services best fit your needs.
If you need help determining your Humana insurance coverage, Spring Hill Recovery Center can assist you. Our knowledgeable staff can look at your insurance policy to determine the coverage of services that are right for you. Contact us today to learn more. You are not alone—we are here to help.
Written by Spring Hill Editorial Team
©2022 Spring Hill Recovery Center | All Rights Reserved
This page does not provide medical advice.
- Humana https://www.humana.com/
- National Institute on Drug Abuse (NIDA)—Types of Treatment Programs https://www.drugabuse.gov/publications/principles-drug-addiction-treatment-research-based-guide-third-edition/drug-addiction-treatment-in-united-states/types-treatment-programs
- Substance Abuse and Mental Health Services Administration (SAMHSA)—Medication-Assisted Treatment (MAT) https://www.samhsa.gov/medication-assisted-treatment