Humana Insurance Coverage for Drug and Alcohol Rehab

Humana health insurance provides coverage to more than 13 million customers and is accepted at most rehab centers, including Elevate Addiction Services. 

Most Humana customers will have access to addiction treatment benefits, but the type and amount of coverage can vary from plan to plan. Many factors can determine what addiction treatment and rehab services are covered by Humana, including: 

• policy details 
• where you live 
• legal requirements 
• the type of addiction treatment 

Addiction treatment typically covered on a Humana plan include: 

• detoxification 
• inpatient treatment 
• outpatient programs 
• prescription medications 

Humana also offers individuals the option to purchase a separate insurance plan for substance abuse treatment. However, to ensure coverage, any addiction treatment expenses must be deemed medically necessary. 

How To Check Humana Coverage

The most reliable way to determine your Humana coverage is to call the number on the back of your insurance card and speak with a representative directly. Another way to figure out your insurance benefits is to log in to the Humana website’s patient portal. 

If you have a rehab center where you think you’d like to attend treatment, you can also reach out to them to determine your coverage at that specific treatment center. Most treatment facilities will provide this information confidentially and without requiring you to attend treatment there.

Does the Treatment Center Need to Be In-Network?

Generally, insurance providers, including Humana, will cover more of the treatment services obtained at an in-network facility, but that doesn’t mean in-network facilities are your only option. Your coverage will depend on your plan.

Types of Insurance Plans Offered by Humana

Like other insurance providers, Humana offers several types of insurance plans, including: 

• HMO (Health Maintenance Organization) – generally, these plan types will not cover out-of-network care, except in an emergency.
• PPO (Preferred Provider Organization) – this plan usually pays less if you use an in-network provider. Still, for an additional cost, you can choose to see providers who are considered out-of-network.
• EPO (Exclusive Provider Organization) –  EPOs, like HMOs, are more likely to cover in-network providers only. Coverage is generally contained in a local area.

Addiction Resources From Humana

Humana offers additional addiction resources to clients through their Behavioral Health branch. Some of the issues a behavioral health benefits program address include: 

• anxiety & depression 
• bipolar disorder
• alcohol and drug abuse 

Individuals can call the Humana behavioral health hotline 24/7 for additional information. All calls are protected according to federal and state requirements. 

Inpatient and Outpatient Treatment Programs

There are a lot of ways to treat addiction. Depending on your situation, you may want to pick either an inpatient or outpatient program. Here are some things to consider when choosing an addiction treatment program:

• how severe your substance abuse is
• if you have experienced a relapse before 
• the number of substances you struggle with 
• if you have a co-occurring mental health disorder 

Anyone who has experienced one or more of the above factors is more likely to have a smooth recovery if they begin their recovery in an inpatient setting. 

Inpatient drug rehab programs tend to be more supportive because they provide a new and secure environment for individuals to heal. They also have 24/7 clinical support and medication-assisted detox. 

On the other hand, outpatient programs are designed to let people continue to work and live at home while they attend addiction treatment. Someone who has gone through an inpatient program may wish to enroll in an outpatient program afterward to gradually transition into life after treatment. 

Verify Your Insurance Coverage and Find The Right Substance Abuse Treatment

You can verify your insurance information on our site for free without any obligation to attend treatment at Elevate Addiction Services. 

Paying for treatment can be stressful, but it doesn’t have to be. Our admissions team can walk you through your benefit information and give you a free estimate for treatment costs at Elevate. 

Individuals considering addiction treatment should consider their situation carefully and decide what is best for their personal needs. At Elevate, we believe that addiction is treatable, and we help people feel empowered to live a happy, sober lifestyle. 

Contact us to learn more about how a holistic approach to addiction treatment can springboard you into recovery. 

Related Links:

• Blue Cross Blue Shield Insurance Coverage for Drug Rehab
• Health Net Insurance Coverage for Drug Rehab
• ValueOptions Insurance Coverage for Drug Rehab

Sources:

• About Humana
• Health conditions
• Behavioral Health Benefits