Does Your Policy Cover Drug & Alcohol Rehab?
Northbound Addiction Treatment Services works with several dozen rehabilitation facilities across the country that accept Humana health insurance coverage for inpatient and outpatient treatment.
Humana has a wide diversity of coverage plans, so without the help of an industry professional, it may be very confusing to try to figure out how much of your drug or alcohol rehab treatment will be covered. Humana has contracts with the majority of our preferred treatment centers, but the amount of coverage the company provides is highly contingent upon the specific plan you have.
How Humana Benefits Cover Addiction Treatment
We know that understanding the specifics of your health insurance coverage is confusing and complex. Northbound Addiction Treatment Services will clarify your insurance coverage with Humana on your behalf to remove all of your doubts and fears about whether your rehab treatment or any additional services you need will be covered.
Questions About Insurance?
Navigating your insurance plan to determine what type of substance abuse coverage you qualify for can be overwhelming. Our insurance specialists are available 24 hours a day to assist you.(855) 713-7262
In most cases, we have found that Humana insurance covers a large portion of a policyholder’s rehabilitation and treatment fees. Here’s the step-by-step process we’ll take to find out what treatment options are covered if you have a Humana health insurance policy:
- We’ll professionally and thoroughly review your Humana insurance plan.
- We’ll help determine if you are covered for substance abuse treatment, including what kind of treatment and how much.
- We’ll identify which treatment centers accept your insurance benefits and then help you choose the best one according to your standards and specifications.
- We’ll make a professional referral to your desired place of treatment.
Dealing with an addiction problem is stressful enough. Northbound Addiction Treatment Services can ease that burden and help get you the treatment you need. Let one of our talented and knowledgeable professionals help you discover exactly what your insurance plan will cover. That way you’ll know what to expect when seeking inpatient or outpatient treatment for drug or alcohol rehab.
Use Your Humana Insurance Plan to the Fullest
Since you already have Humana insurance, you might as well use your benefits to the fullest, even beyond your time seeking treatment for your drug or alcohol addiction in a rehab facility.
For any ailments, Humana encourages you to visit an urgent care center instead of an emergency room, if possible, as your insurance coverage will make such a trip much more affordable. Through its website, Humana also offers health and wellness informational resources for a litany of conditions, as well as wellness discounts for certain productions, medications and more.
You can also register for MyHumana to find in-network health providers, check claims, get estimates on medical procedures. This is available online and as a mobile app.
Humana also currently offers three other helpful mobile apps:
- MyHealth: Helps you track your health measurements and keep tabs on your blood pressure, weight, caloric intake, etc.
- HumanaVitality: Encourages you to do certain activities in order to earn Vitality Points and rewards.
- Humana Pharmacy: You can order prescription refills from anywhere if your plan includes Humana’s mail delivery service. This app also includes a pill reminder.
Humana also offers a personal nurse phone service to all policyholders, as well as specially trained personal nurses for expectant mothers, who can provide individualized guidance, education, and resources on demand.
About In-Network and Out-of-Network Facilities
Those who have a Humana health insurance plan should consider the various factors that determine whether treatment will be covered at all, covered in part, or covered in full. One of the components that play a role in this matter is the type of treatment facility a plan holder selects. Humana often requires plan holders to have a doctor’s referral for treatment.
If the individual chooses an in-network rehab center, it’s likely that Humana will provide at least some coverage. Those who choose an out-of-network rehab center may find that their insurance doesn’t cover their treatment. There are some very rare occasions when Humana covers services from out-of-network addiction treatment centers. But, in these cases, plan holders may be required to pay very high copays or deductibles.
Humana Coverage for Detox
When people struggle with addiction problems, it can be difficult for them to stop using the alcohol or drugs they’ve been using. This is mainly due to the fact that, after abusing drugs or alcohol for a while, an individual will become physically dependent on that substance. So, those who struggle with problems such as alcoholism, opioid addiction, methamphetamine abuse, and other such addictions experience intense withdrawal symptoms when they stop using those substances.
Withdrawal symptoms vary depending on the substance a person has been using. But some symptoms may include:
- Muscle pain
- Memory loss
- Excessive sweating
- Breathing problems
- Abnormal heart rate
- Cognitive impairment
In order to get through the withdrawal process, individuals should go through a professional detox program. These programs offer people the opportunity to end substance use in a safe and more comfortable manner.
Humana covers various inpatient and outpatient detox programs. But, again, coverage depends on the type of facility where individuals get help. Other factors that contribute to coverage details include the state where a plan holder lives and the type of plan the individual has.
A health maintenance organization (HMO) may only cover services that are provided by HMO-contracted facilities and rehab centers that have an agreement with Humana. Preferred provider organization (PPO) plans allow plan holders to choose from a wider variety of treatment facilities.
Inpatient and Outpatient Treatment Programs
Those who are suffering from substance abuse can either get inpatient or outpatient treatment in order to overcome addiction in their lives. Sometimes, individuals benefit more from a residential program than they do from an outpatient treatment process. Other times, the opposite is true. Medical professionals can help individuals to determine the best treatment approach.
Plan holders do not have to get inpatient treatment locally in order to be covered by their Humana plan. This insurance company also requires individuals to pay a copay and perhaps a deductible before the insurance contributes.
Each plan varies, so to determine your out-of-pocket expenses, it will be helpful for you to contact professionals who can check into the details of your policy.
Mental Health Treatment
Through Humana Behavioral Health, Humana also offers resources that can help those who are dealing with and mental health disorders. Humana offers many insurance plans that cover mental health care, at least in part. Individuals who hold a traditional Humana HMO plan will find that mental health services from an in-network facility (hospital, addiction rehab center, etc.) may be covered. This might, however, exclude halfway houses or residential treatment centers.
Many individuals who struggle with addiction also suffer from mental or behavioral health disorders. Those who have co-occurring disorders have what is called a dual diagnosis and need treatment that addresses their addiction in addition to their mental health. Humana is aware that individuals may need dual diagnosis treatment. Since this is the case, more coverage options may actually be available to those who have co-occurring disorders.
Get the Treatment You Deserve!
With the help of one of the experienced counselors at Northbound Addiction Treatment Services, you won’t have to stress and worry about whether your Humana insurance plan will cover the rehab you need. We never recommend a rehab facility unless it meets or exceeds our own standards of what comprises an effective, comprehensive, and client-centered rehab program.
Recovery is One Phone Call Away
You deserve to live a life free from the grips of addiction. Contact us today to learn how to find the right treatment options for you!(855) 713-7262
Don’t waste any more time trying to figure out on your own what type of treatment programs your insurance will cover. Let one of our seasoned staff members assist you and eliminate any worry and confusion. We will help get you paired with the best rehab facility to meet your needs to the best of our abilities, that way you can be on the path to recovery in no time!