Part of making the brave decision to seek addiction treatment is determining how you’re going to afford it. You may be wondering: Does insurance cover drug rehab? The good news is that most health insurance plans have at least basic coverage for drug and alcohol addiction rehab and treatment.
When the Affordable Care Act (ACA) was passed in 2010, health insurance plans were required to cover specific essential benefits, including substance abuse disorder treatment. How each plan covers this need, and the deductibles and copays that are involved, vary depending on the insurer.
How does Humana Health Insurance cover addiction treatment? Here’s what you need to know.
American Addiction Centers (AAC) works hard to provide the most accurate and up-to-date information on each carriers’ insurance coverage for addiction treatment. However, policy changes and errors do occur. Please check with your insurance carrier directly to confirm specific coverage levels. AAC is not endorsed by Humana or any of its licensees.
Coverage Levels and Plans of Humana Health Insurance
A variety of coverage options are available with Humana insurance. If you purchase Humana coverage from the Health Insurance Marketplace, you’ll find plans that are categorized under Gold, Silver, and Bronze. In general, Gold will have the highest level of coverage and lowest deductibles, but a higher monthly premium. Bronze will have a lower monthly cost but higher deductibles and may offer less coverage.
The key to understanding your specific plan is to call Humana directly, review your insurance plan paperwork, or visit the Humana website. You should be able to find specific details regarding addiction treatment coverage.
Humana also offers Medicare Advantage plans. These plans work with your Medicare coverage and give you additional benefits, such as vision, dental, and even gym membership. You can get a Health Maintenance Organization plan, a Preferred Provider Organization plan, or a Private Fee For Service plan. Each option has different prices as well as in-network and out-of-network providers.
In Florida, Illinois, and Kentucky, Humana also offers Medicaid plans. These plans offer lower and sometimes no deductible, along with a large network with member perks and services. The specific coverage offered by a Humana Medicaid plan will depend on your state and individual selections.
Does Humana Health Insurance Cover for Inpatient Treatment?
Inpatient treatment for drug and alcohol addiction recovery is defined by the ACA as an essential service. However, not all programs or inpatient plans will be covered by Humana Health plans. Also, there are likely to be deductibles or copayments that apply.
You’ll want to check with the program you’re looking into to find out if they accept Humana Health Healthcare Insurance Plans before you enroll. Also, contact the insurer to find out how much of the cost you’ll be responsible for.
Does Humana Health Insurance Cover for Outpatient Treatment?
Outpatient treatment allows you to live at home while you attend meetings, counseling, and other therapeutic interventions. The key to having outpatient treatment covered by your Humana Health mental health coverage is finding an approved program.
Insurance companies approve programs that they have reviewed and determined to be effective. You may struggle to have alternative treatments covered, for instance, but common treatment programs are more likely to be approved.
Some outpatient programs need pre-authorization before you enroll, so be sure to call Humana insurance before you begin.
How to Check My Insurance Benefits?
Learning about your specific coverage limits, deductibles, and copayments is an essential part of determining what addiction treatment coverage you have. Your healthcare benefits will vary depending on your specific plan and sometimes the state you live in.
You’ll want to contact Humana directly or log in to MyHumana online. This will allow you to find out what plan you have and how your healthcare coverage can be applied to addiction treatment.
You can also call the treatment center and ask if they accept Humana’s healthcare benefits. However, your insurer will always make the final decision.
Does My Health Insurance Plan Cover Drug and Alcohol Addiction Treatment?
Does Humana Health cover drug rehab? Humana plans should have some type of coverage for alcohol and drug addiction treatment. This may include using the Humana prescription drug plan to get medication to help you wean off opioids, access to inpatient and outpatient programs, Humana Health therapy coverage, and more.
There are a variety of Humana Health Plans, so be sure to call the insurer or verify your insurance before you enroll in a treatment program. If your deductible or copayment is too much for you, ask the program if financing options are available.
You can also fill out the form below to check your insurance coverage.
The good news is that addiction treatment is more accessible than ever. However, specific coverage limits and exclusions may apply. Be sure to contact your insurer directly before making a financial commitment to a program.
Health Insurance Providers and Coverage Levels
Visit the links below to find out more about insurance coverage levels for drug and alcohol rehab.
- Healthcare.gov. (n.d.). Mental health & substance abuse coverage.
- Humana website. Humana Medicare Advantage plans.
- Humana website. Humana Medicaid.
- Humana website. Humana help and support.
- Humana website. Member login.
- Humana website. Substance use disorders.
You are never too old to improve your health and quality of life!