Humana insurance for rehab coverage Infographic

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Finding Rehabs That Accept Humana Insurance

In recent years, the prevalence of substance abuse has risen at an alarming rate. In 2013, overdose deaths were the top cause of death in the United States, killing 43,982 people. There is a larger demand than ever for high-quality addiction rehab and treatment services.

Many people who are struggling with a substance use disorder can now receive financial assistance to pay for treatment by finding the best rehabs that accept Humana Insurance policies. A confidential call to our experts for a free verification of your benefits will help you determine your best options for addiction care, quickly and effectively.

The number of options and decisions to make regarding the best form of therapy and where to get treatment might be overwhelming if you or a loved one is battling with substance misuse and needs drug or alcohol addiction treatment.

You might be anxious about how you’ll pay for your treatment. If you have a Humana health plan, you will undoubtedly be covered for several types of addiction treatment. You can read on for more information, as well as reach out to the experts at Find Addiction Rehabs who can call your insurer on your behalf and find out your benefit coverage quickly and easily.

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What is Humana Health Insurance?

Humana was the country’s largest nursing home firm when it was founded in 1961 by David A. Jones and Wendell Cherry. It has evolved into a for-profit managed care corporation that serves over 13 million consumers in the United States. The firm, headquartered in Louisville, Kentucky, is among the largest health insurance providers in the United States.

Humana behavioral health plans include a prescription medication plan, as well as vision and dental coverage, as well as employer-provided group insurance. Humana provides a variety of Medicare coverage options to more than 8 million Medicare users throughout all 50 states. Humana offers Medicaid-managed care programs in Florida, Kentucky, and Illinois if you are eligible. Humana also offers coverage to military service members and personnel through Humana Military.

Is Drug and Alcohol Rehab Covered by Humana Insurance Plans?

Humana insurance for rehab coverage Infographic

The cost of drug-alcohol rehab services can be a major source of concern. Fortunately, Humana health insurance coverage can help lower the costs of various substance abuse treatment programs and services. Different Humana Health insurance plans provide varying levels of coverage. Most Humana programs, including Humana Medicare and Medicaid, offer some level of coverage for addiction and mental health treatment services.

Of course, while your Humana insurance can help cover substance abuse treatment costs, the exact behavioral health benefits and coverage you may be able to receive can vary based on what plan you have through your insurance carrier.

The Affordable Care Act (ACA) requires all insurance carriers to provide coverage for alcohol and drug treatment. All health insurance plans must include behavioral health services, inpatient therapies, and treatment for substance use disorders (SUD) under the ACA.

The cost of your therapy, as well as how much you must pay, is determined by the state you live in, the treatment you require, your insurance plan, and whether you choose an in-network or out-of-network facility. Regardless of the facility or your insurance policy, you will probably be required to pay some of the charges.

Each Humana health insurance policy often covers drug and alcohol rehabilitation as well as other mental health therapies. Humana is one of the country’s leading healthcare providers. As a result, Humana works with several inpatient drug rehab centers. The scope of one’s Humana addiction coverage is determined by the type of plan one has and the area in which one lives, as well as a variety of other important considerations.

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How Do You Check Humana Insurance Coverage for Alcohol and Drug Rehab?

Check your Humana policy benefits before selecting the best rehab treatment facility for you to decide which charges will be reimbursed by your insurance company and which will be out-of-pocket for you. To discover more about what your specific policy plan covers, call our team of experts now for a no-cost verification of benefits.

Knowing what your Humana plan covers might provide you with peace of mind while you or a loved one is in rehabilitation. You can perform the job of becoming sober and/or becoming clean without having to worry about unforeseen bills or financial difficulties.

Humana offers a variety of addiction treatment and rehab services, based on the specific plan details, the location of the client seeking treatment, regulatory limits, and the type of therapy needed. Customers can also purchase a supplemental drug abuse coverage plan from Humana if their current plan does not include it, ask us for details about this option during your call.

What are the Types of Humana Health Insurance Plans?

Rehabs That Accept Humana Insurance

Humana insurance provides a wide range of coverage alternatives. Humana plans are classified as Gold, Silver, or Bronze if purchased through the Health Insurance Marketplace under the ACA. In general, Gold will have the most coverage and the lowest deductibles but will have a higher monthly price. Bronze plans will feature lower monthly costs, but higher deductibles and potentially less coverage.

Medicare – Humana has Medicare Advantage plans available. These plans supplement your Medicare coverage by providing extra benefits such as vision, dental, and even gym membership. An (HMO Health Maintenance Organization) plan, a PPO (Preferred Provider Organization) plan, or a Private Fee-For-Service plan are all options. Each option has varied costs and providers, both in-network and out-of-network

Medicaid – Humana also provides Medicaid insurance in Florida, Illinois, and Kentucky. These plans provide a lower or no deductible, as well as a vast network of member perks and services. The particular rehabilitation services covered by Humana under the Medicaid plan will vary depending on your state and individual preferences.

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The Levels of Care Covered Through Humana Health Insurance

Humana will provide addiction treatment coverage for various different types of behavioral disorder treatment services. While each person’s treatment needs will differ based on the severity and duration of their addiction, there are several levels of care that may be involved in the treatment process. Humana insurance may cover several of the following behavioral health services:

  • Medical Detox
  • Inpatient Treatment
  • Outpatient Treatment
  • Medication-Assisted Treatment
  • Behavioral Therapies

The Cost of Treatment for Rehabilitation Services Through Humana

The Cost of Treatment for Rehabilitation Services Through Humana

The degree of coverage and expenditures for rehabilitation therapies vary depending on the plan you have. Because Humana requires its clients to be referred to a treatment provider or facility before they pay, it is vital that you discuss your treatment options with our team before deciding on a course of action. Although Humana only covers in-network facilities, it does not discriminate based on geography, so those seeking addiction treatment are not required to stay close to home to be covered.

Most Humana plans will require you to pay co-pays for different services. A copay is a set price that the policyholder must pay before Humana will cover anything. Most plans also require you to meet their deductible, which is a predetermined amount of money that a patient must pay over a specific period of time (typically a year) before Humana would pay for anything.

Humana Insurance for rehab contains Part A (Hospital Insurance), which helps cover any medically essential care you get, and Part B (Medical Insurance), which helps cover the services of doctors.

Your doctor must certify that you have a medical condition that requires rehabilitation in order for you to be eligible. Your doctors and therapists must also provide you with ongoing medical supervision and coordinated treatment. The following are your 2021 costs for each benefit period:

  • Between days 1–60: $1,364 deductible
  • Between days 61–90: $341 coinsurance each day
  • Days 91 and beyond: $682 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)
  • Each day after the lifetime reserve days: All costs

*If you have already paid a deductible for care in an inpatient rehabilitation facility during the same benefit period, you do not have to pay a deductible for care in an inpatient rehabilitation facility.

Inpatient drug and alcohol addiction treatment facilities are most usually advised for the patients indicated below:

  • Those who do not have a nurturing environment at home.
  • Those who are unable to attend an outpatient program multiple times each week
  • Those that have a severe substance abuse problem.
  • Those who require more individualized treatment programs.
  • Those that suffer from numerous substance abuse disorders (addicted to multiple substances).
  • Those who have co-occurring problems, such as a mental health disorder and a substance abuse problem.
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Humana Healthcare Coverage for Outpatient Addiction Treatment Services

Humana Health Insurance Outpatient treatment allows you to continue living at home while attending meetings, counseling, and other therapeutic activities. Finding an approved program is the key to having your Humana substance abuse treatment insurance pay outpatient treatment. Insurance companies only authorize programs that have been reviewed and found to be beneficial

Humana covers a wide range of outpatient rehab therapies, however, the amount and types of services covered are controlled by the specific plan. Humana only covers therapies provided by in-network providers, although the corporation will assist customers in locating in-network rehab providers. There are three core types of outpatient programs: partial hospitalization programs (PHP), intensive outpatient programs (IOP), and standard outpatient treatment programs typically used as a ‘step-down’ from IOP.

The strength of each program varies, as does what clients are asked to do. A partial hospitalization program, for example, usually requires individuals to attend for many hours per day, every day, and to submit to routine drug testing. Participants in a typical outpatient program, on the other hand, may only attend the therapy program once or twice a week.

The majority of Humana insurance policies will cover some form of outpatient addiction treatment. Each plan’s level of coverage will be different. Some Humana plans may require you to pay for each outpatient program visit. For example, you could be charged a $35 payment for each day of outpatient treatment.

It is critical to realize that Humana may require prior authorization before covering outpatient addiction treatment. Prior authorization occurs when you submit paperwork to Humana along with a physician’s recommendation that outpatient therapy is necessary for your condition.

How Can I Cover Rehab Costs That My Humana Plan Doesn’t Cover?

How Can I Cover Rehab Costs That My Humana Plan Doesn't Cover

If you or a loved one require drug or alcohol rehab treatment and have Humana health insurance, you will most likely be responsible for paying some of the costs out of cash in order to meet deductibles and cover copays. While this is a valid issue, there are fortunately many other options for paying for drug and alcohol treatment, including private financing and government programs.

Regardless, the financial cost of addiction and its consequences will eventually outweigh the cost of seeking treatment, not to mention the quality of life and safety concerns that make seeking care the right (and ultimately cost-effective) choice.

Humana In-Network Alcohol and Drug Rehabs vs. Out-of-Network Inpatient Rehabilitation Facilities

You’ve undoubtedly wondered what the terms “in-network” and “out-of-network” meant. If a rehab program is in-network with Humana, it means that the rehab program has agreed to give treatment at a lower cost than the regular fee. If the drug rehab facility you desire does not accept Humana insurance, you will almost certainly have to pay a higher out-of-network premium. Reach out to our hotline at Find Addiction Rehabs and let us give you the latest in-network options.

Alcohol and Drug Rehabs That Accept Humana Insurance: Does Being In-Network Matter?

Working with an in-network provider is usually the most convenient and cost-effective choice for seeking care. Humana plans, in most situations, do not cover out-of-network providers. As a result, patients must bear the full cost of treatment. Humana will cover out-of-network treatment centers in some situations. Nonetheless, the plan bearer will usually have to pay higher copays and deductibles.

However, a distinction should be made between Humana HMOs and PPOs. PPO stands for preferred provider organizations, whereas HMOs stand for health maintenance organizations. PPOs are often more adaptable than HMOs.

Humana PPOs may cover care from both in-network and out-of-network providers. They may also have higher premiums, deductibles, and coinsurance rates. HMOs, on the other hand, are more limiting in terms of where you can obtain treatment. They may, however, have lower coinsurance rates and deductibles.

Humana Insurance Policies: Coverage for Substance Abuse Treatment

Coverage for Substance Abuse Treatment

Individuals wanting to recover from a substance addiction may seek a range of different types of addiction treatment. Your Humana insurance will cover these treatments depending on the type of coverage you have and where you seek additional addiction recovery. A Humana healthcare plan may cover the following addiction treatment therapies:

Medication-assisted treatment (MAT) is a type of treatment in which a person is given medication to aid in the withdrawal and recovery process. Suboxone, for example, would likely be given to a heroin user in order to alleviate withdrawal symptoms and cravings. Not everyone is a candidate for MAT, and the type of substance and the severity of the addiction will determine whether MAT is recommended. Many Humana insurance policies cover medication-assisted therapy. Prior authorization may be required by some insurance providers for this type of treatment.

Sober Living: Aftercare is a common component of a person’s complete treatment strategy. When a person transitions from an inpatient facility to a residence where everyone is committed to keeping sober, this is referred to as sober living. This form of aftercare can assist persons in remaining clean following treatment and providing a safe setting for continued recovery. Some Humana policies may provide coverage for sober living facilities.

Therapy: To address both substance use and potentially co-occurring mental health disorders, various methods of counseling are performed. Individual therapy, group, and family counseling, as well as behavioral therapies like cognitive behavioral therapy, can all be classified as part of this category (CBT). Many Humana plans cover addiction-related counseling.

If a client enters an inpatient treatment center, many of these additional therapeutic programs will be incorporated into their recovery plan. Individuals who are not engaged with inpatient treatment can seek these therapies on their own through their healthcare physician or an addiction specialist.

Getting a Drug and Alcohol Addiction Rehab That Accepts Your Humana Insurance Plan

Whether your primary care physician has advised treatment or you choose to seek treatment on your own, you are making the proper decision. The decision to seek treatment for an addiction can be life-changing, allowing you or a loved one to enjoy a sober, healthy lifestyle in recovery. Contact us now for a consultation and get the answers you’re searching for!

Does Humana Cover Out-Of-State Rehab Facilities?

Humana does not discriminate on the basis of location, so you can find in-network treatment clinics all around the country. Whether you seek therapy locally or halfway across the country, you can anticipate a good selection of treatment clinics. Some people like to stay close to home, while others prefer to visit a new location that is free of distractions. It’s important to note that Humana conducts research before partnering with treatment facilities.

Humana only collaborates with institutions that use scientifically recognized ways to ensure that members receive the highest quality care for their addiction. Some ‘luxury’ rehabs, executive therapy, or New Age therapies are unlikely to be covered by your insurance. The insurance provider also does not cover private facilities that use experimental treatment methods.

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Humana Insurance for Alcohol and Drug Rehabs Across the United States

Addiction is a long-term, difficult disease that affects both the brain and the rest of the body. It is difficult to overcome, but it is not impossible. Thousands of rehab centers exist around the country, each working hard to provide clients with outstanding care and services to aid in their recovery. Humana is one of the largest healthcare companies in the United States. The provider network works hard to provide its customers with great care. However, whether or not your drug treatment accepts Humana insurance is ultimately determined by a variety of factors.

Not every insurance coverage works the same way, and not every rehab program works the same way. Each state has its own set of rules governing insurance plans and programs. So, even if you have Humana insurance and the company is available in practically every state, your coverage may alter depending on the regulations in the state where you want to undergo treatment. Your Humana coverage will be determined by the state you live in, the services you wish to have covered, and your specific policy.

Fortunately, if you or a loved one has a substance use issue or addiction, Humana will work hard to help you pay for your treatment. To learn more about how your personal policy will work for you, contact us now for a complimentary verification of benefits and a description of the best available rehab options for you or your loved one.

The Bottom Line for Seeking Rehab Centers that Accept Humana

The Bottom Line for Seeking Rehab Centers that Accept Humana

Addiction is difficult, recovery is challenging, and health insurance is difficult to understand. However, as long as you are working toward healing and recovery, you are already on the right track. Don’t wait any longer to begin your recovery path. Begin today if you want to reap the benefits of mending sooner rather than later.

Due to the intricacies of Humana insurance coverage from state to state, Find Addiction Rehabs helps you in identifying the best level of care at the lowest cost. Our admissions representatives will contact Humana on your behalf and explain what you may expect if you use your insurance to finance addiction treatment, as well as find out specific co-pays you may be responsible for with any given policy.  Our team can also help with finding available scholarships, policies, and other factors that can help manage costs, so please don’t hesitate to reach out to us now!

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FAQs on Humana Drug Rehab and Alcohol Rehab Coverage

Do all private health insurance companies like Humana cover addiction treatment?

Prior to the Affordable Care Act (ACA) becoming law, many private insurance carriers treated substance use disorders as pre-existing conditions that were not covered. Since the passing of this legislation, that practice has been made illegal, and all private insurance companies are required to offer some form of behavioral health coverage.

What sort of Humana policy is most effective for seeking rehab services?

Even though the ACA requires some level of substance abuse coverage across insurance providers, a wide disparity exists when looking at what is covered. When seeking the widest array of facility choices, with the least out-of-pocket expense, a PPO or Preferred Provider Organization policy often forms the top option.

What Should I Do If My Humana Insurance Doesn’t Cover the Full Cost of Rehab?

If your Humana insurance policy does not cover all of your rehab costs, it is critical that you seek treatment nonetheless. When you opt to enter rehab, you are not required to use insurance. There are numerous alternative options for financing your therapy and obtaining the assistance you require. Some methods of paying for treatment include:

  • Payment plans: You pay for recovery in manageable monthly installments.
  • Sliding scale: The rehab reduces your cost to something you can reasonably afford, which is usually depending on your income level.
  • Grants or scholarships: The Substance Abuse and Mental Health Services Administration (SAMHSA) and individual rehabs provide grants and scholarships to persons who cannot afford treatment.
  • Purchase low-cost health insurance through the Healthcare Marketplace.
  • Apply for a healthcare credit card or a specialist healthcare loan.
  • Use your funds or a credit card to make the payment.


* Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by Humana. Details about Humana’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.

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