Does Your Humana Cover Rehab
When we are seeking recovery, money should be one of the last things on our mind. Sadly, if we are not careful this may not apply to us. That is why learning about your particular insurance plan is so important to get treated. Odds are that if you navigated to this page, you or a loved one are struggling with a substance use disorder. Congratulations, this is an incredible first step into recovery. Odds are, as well, that you have Humana insurance. This is incredible too since Humana is one of the biggest insurance organizations in the country. We at Northbound Treatment acknowledge that insurance can be difficult to understand. For this reason, we have a team of specialists who are always fixing and figuring out what insurance policies can, and can’t cover. Today we will be talking about Humana.
Humana Insurance for Drug and Alcohol Treatment
Humana is one of the largest medical insurance companies, as it covers of 33 million people. Along with this, Humana has a wide range of plans to get behind. Humana is comprised of many diverse and dedicated workers. It is one of the most technologically advanced companies, and will at the very least partially cover substance abuse and mental health treatment.
Helping You Navigate Your Humana Policy
Currently, Humana provides plans and coverage for individuals in the following states:
- North Carolina
What you get from your Humana plan will range based on your specific policy and your location. There are several different Humana plans to get behind, but the most common are HMO’s and PPO’s. PPO’s are far more common and stand for Preferred Provider Organization. HMO stands for Health Maintenance Organization, and has less flexibility than a PPO plan. The PPO allows you to choose your own service provider. While the HMO is only operational with HMO-contracted organizations. This means you are required to stick with an in-network primary care physician. HMO’s have a lower monthly premium, and PPO’s allow you to go out-of-network (which will most likely cost more out of pocket from you).
Addiction Prevention Tools With Your Humana Policy
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
Policy Coverage for Substance Abuse with Your Humana Policy
If you are seeking policy coverage, it is important to ensure that Humana covers these specific treatments under your policy. Treatment options that are typically covered are the following:
- Inpatient rehab
- Outpatient Rehab
- Inpatient Detox
- Outpatient Detox
- Prescription Medication
Along with this, Humana gives its clients the option to choose their own substance abuse treatment, as an add on. This is an additional option for purchase. Individuals are also able to look after their own particular coverage with the back of their insurance card, called “Provider Look-Up.”
Many services will require a co-pay, which is a set amount that individuals are required to pay upon receiving treatment. Many options require deductibles as well.
How Humana Policies Work For Treatment Centers
Humana policies work, as previously stated, generally for most treatment centers. However, the amount that you will need to co-pay or coinsure depends on your location and plan. On top of this, the amount of treatment covered varies accordingly. For this reason, we suggest you get in contact with your primary care provider or contact us for more details.
Does it Need to be In-Network?
This all depends on your plan. If you have an HMO plan, you will only be able to access HMO-contracted treatment. This means you cannot go out-of-network with an HMO plan. A PPO plan is more flexible and may allow you to go out-of-network. However, you should be aware that out-of-network treatment will often be more expensive and require you to pay out of pocket.
About Humana Coverage for Detoxification
Humana most likely covers inpatient or outpatient detox. Medical detox is often the first step for being treated. It is the process by which patients will flush the substances from their system. Due to withdrawal effects, and the severity of the substance/addiction; it can potentially be harmful to the individual’s health. For this reason, it is important that you do not seek detox on your own. Rather, find out how much is covered under your policy, and pursue a medical detox accordingly.
Humana Covers Inpatient Insurance
The question of whether inpatient is insured is determined by your plan, policy, and location. Along with this, inpatient will most likely have to be in-network. Luxury and private facilities also are not options.
Costs and Services at Inpatient
Since Humana requires a recommendation before paying; it is important that you are familiar with your plan. The costs and services of inpatient vary based on your plan, so getting in contact with your service provider is recommended. However, since Humana does not differentiate geographically, as long as the treatment is in-network the client will be covered even if they are not local. In most cases, a co-pay, or deductible is required before Humana pays anything.
Coverage for Mental Health Treatment
Humana is a mental health insurance company, so it definitely will cover mental health treatment. However, the reason that mental health is included in this list is because of its connection to substance abuse. Mental illness and substance abuse go hand in hand, unfortunately. When a person experiences a mental illness alongside an addiction (which is far too common), the two disease strengthen one another and intertwine. This is known as a dual diagnosis. At Humana they believe that treating the mind as well as the body is important.
Mental health services often include substance abuse treatment, and when there is a co-occurring disorder or dual diagnosis present, there is often treatment available. Mental health care is generally available under Humana when it is deemed medically necessary and provided by a healthcare provider. In fact there are even emergency services which are covered by Humana.
Helping You Understand Your Benefits
Here are some other benefits to being a Humana policyholder and enlisting the help of Northbound Addiction Treatment Services:
· We’ll thoroughly review your Humana health insurance plan.
· We’ll help determine if you are covered for substance abuse treatment.
· We’ll help determine what kind of treatment and how much is covered.
· One of the largest insurance companies in the country, we will help you determine which facilities are covered.
We know the specifics of your insurance coverage are confusing and not always easy to understand. Northbound Addiction Treatment Services will clarify your insurance coverage with Humana for you and make sure you have a better understanding of what your insurance will cover and what may or may not come out of pocket.
Understanding your treatment center options is important for both your sobriety and long-term health goals. Northbound Addiction Treatment Services does a thorough job of explaining what your insurance covers and which treatment centers are available in light of your policy.
The Northbound Addiction Treatment Services Promise
We won’t recommend a drug and alcohol rehab facility unless it meets or exceeds our own standards of what comprises an effective, comprehensive and client-centered program. At Northbound Addiction Treatment Services, we’ve been in your shoes and understands what you’re going through. Sometimes what you think you need for your recovery isn’t necessarily what’s going to work best.