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Humana Insurance


Humana Insurance

Serving over 13 million customers, Humana is one of the largest health insurance providers in the United States. Humana offers a wide array of policy options to meet the specialized needs of a wide array of customers. While most Humana customers have addiction treatment coverage, the type of amount of coverage will vary significantly between plans.

Humana Insurance For Addiction, Substance Abuse & Mental Health Treatment

Humana supports those who are looking to recover from a drug or alcohol addiction. Humana works with an individual’s needs to find nearby treatment services. Humana insurance policies have different options for Detox, Inpatient and Outpatient rehab, as well as other mental health services to help on your path to recovery. Depending on your individual Humana insurance plan, your inpatient and outpatient rehab coverage will vary.

Humana Health Insurance For Addiction Treatment

Humana Behavioral Health covers a wide variety of inpatient and outpatient drug and alcohol rehab services. The exact type and amount of services covered will vary between plans.

Insurance coverage

Insurance coverage varies with each plan, recovery services may include:

  • Drug rehabilitation
  • Alcohol rehabilitation
  • Detoxification
  • Counseling for addiction treatment
  • Mental Health Treatment

Humana Addiction Resources

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.
Addiction Resources-Akua
Insurance Policy Coverage For Substance Abuse

Humana Policy Coverage For Substance Abuse

Many different factors determine what addiction treatment and rehab services are covered by Humana, including individual plan details, where the individual seeking treatment lives, legal requirements, and the type of treatment being sought. To check your Humana coverage in relation to substance abuse treatment, contact a treatment provider here for a free and confidential conversation. Humana also offers customers on many plans the option of purchasing a separate substance abuse coverage plan if their plan does not include it. According to Humana, “In order to be covered, expenses must be medically necessary and specified as covered.” Treatment options typically covered by Humana plans include:

  • Inpatient detox
  • Outpatient detox
  • Inpatient rehab
  • Outpatient rehab
  • Prescription medications

Humana Healthcare Coverage for Mental Health Treatment

Mental illness affects millions of Americans and is common among those with substance abuse issues. Insurance providers are legally required to cover mental health services. In many cases, mental health problems can co-occur with substance use, so it is important to address mental health concerns if you are seeking care for substance misuse and addiction.

mental health

Humana typically covers individual therapy sessions for people with substance abuse issues and other mental health conditions. Humana may cover therapy fully or partially depending upon the member’s plan.

Humana Coverage For Inpatient Treatment

Whether or not inpatient treatment is covered, and the amount that is covered, is entirely dependent on the individual plan and factors such as the state the treatment seeker resides in. In most cases, the facility will have to be in-network to be covered. It also cannot be a luxury or private facility.

Inpatient Rehab Service And Costs

The level of coverage provided for inpatient rehab services and costs vary depending on the plan. Because Humana requires patients to get referred to a treatment facility before they pay, it is critical that patients review their treatment options with their physician before deciding on treatment. Although Humana only covers in-network facilities, it does not differentiate based on geography, meaning that patients do not have to stay local to be covered.

Humana Coverage For Outpatient Treatment

Humana coverage for outpatient treatment is very similar to its coverage for inpatient treatment. The type and amount of coverage will depend on the individual plan and several other factors. In general, outpatient treatment is less expensive than inpatient treatment and may not impact deductibles to the same extent. Most Humana plans offer prescription drug coverage that will cover at least part of the cost of outpatient addiction treatment medications.

Outpatient Rehab Services And Costs

Humana covers a variety of outpatient rehab services, but the amount of coverage and types of covered services are determined by the individual plan. Humana only covers services from in-network providers, but the company will help customers find drug and alcohol rehab providers that are in-network.

Similar to inpatient treatment, most Humana plans require policy holders to pay copays and reach deductibles before Humana will pay for outpatient treatment expenses.

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Do Treatment Centers Need To Be In-Network?

Humana plans generally will not cover out-of-network treatment facilities. This means that plan holders will have to cover costs for themselves. In rare circumstances where an out-of-network facility is covered, the treatment seeker will generally have to pay higher deductibles and copays. Humana also requires patients to receive a referral from a doctor before they will cover treatment. Humana will also not cover the following:

  • Over-the-counter medication
  • New Age therapies
  • Luxury and private facilities
  • Executive treatment

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How Can I Pay The Costs Not Covered By My Humana Plan?

If you or a loved one are in need of drug or alcohol rehab treatment and you have Humana health insurance, you will likely be responsible for paying some of the costs out of pocket to meet deductibles and cover copays. While this is a very legitimate concern, there are luckily many alternative methods to pay for drug and alcohol treatment, including private financing and government programs. Regardless, the financial cost of addiction and its secondary effects will dwarf the cost of rehab over time. If you are looking for rehab-related help, contact a treatment provider today.

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FAQ: Common Questions About Rehab

It’s important not to let costs of treatment deter you from getting help you need. Many alternative methods are available to help with addiction treatment expenses.

Akua Behavioral Health offers addiction treatment programs in a residential, community-based setting. Our clients stay in our home-like program, with 24-hour supervision to ensure their safety and comfort. Inpatient drug rehab gives clients the best chance at lasting recovery through highly-structured care for those struggling with drug, alcohol and/or their mental health.

Many clients stop experiencing withdrawal symptoms 3 to 7 days after starting our detox program. While the experience may vary due to various factors, Akua Behavioral Health is committed to providing our clients with safe and comfortable detox.

Akua Behavioral Health works with most major insurance plans to ensure quality addiction treatment is accessible for our clients.

Request a Call

Speak with your insurance provider to get more information. Humana’s 24-hour phone line allows customers to connect with a member services professional who can provide the answers you need about your policy’s coverage.

Other Insurance Plans we Accept

AKUA works closely with most HMO, EPO and PPO insurance plans including AmeriHealth, Humana, Allcare Health, Highmark, UPMC Health Plan, and are In-Network with Anthem Blue Cross, Aetna, Cigna, HealthNet, Blue Cross/Blue Shield, Magellen, HMC Health Works, Tricare, Western Health Advantage, Prime, Multi Plan, Triwest, and more.

AKUA Payment Options

Our goal is to provide the best-in-class treatment at an affordable price. We take Insurance, Private, Self-Pay and offer partial Scholarships
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