Humana is one of the largest publicly traded health insurance companies in the U.S. Serving over 12 million members, Humana is a Medicare Advantage HMO, PPO, and PFFS organization with a stand-alone prescription drug plan under Medicare contracts.
Louisville, Kentucky-based Humana has a network of more than 65,000 psychiatrists, psychologists, social workers, licensed professional counselors, and nurse practitioners.
Humana plans are accepted at drug rehabilitation programs, but acceptability of insurance varies according to the individual, the plan, the treatment center, and the type of treatment. Your plan may cover only a portion of your treatment, so it’s important to check your insurance plan prior to enrollment in any program.
What does Humana cover?
Humana offers different plan options for mental health services, which can include substance abuse treatment. While Humana recently announced it would be leaving state insurance exchanges created under the Patient Protection and Affordable Care Act, the law requires a base level of mental health and substance abuse coverage, under guidelines outlined by the PPACA. (The specific coverage and copay requirements depend on the individual policy.)
While Humana covers many costs associated with treatment for mental health and substance use disorders, these services usually require pre-authorization. Copays and coinsurance cost sharing may vary, depending on factors such as the plan a member has, their deductible, the facility they’re attending, and the state where they live.
Humana plans generally do not cover out-of-network treatment centers. This means members will have to cover costs for themselves. In those rare circumstances where an out-of-network facility is covered, the patient will have to pay higher deductibles and co-pays. Humana does not cover the following:
– Over-the-counter medication
– New Age therapies
– Luxury and private facilities
– Executive treatment
Inpatient Addiction Treatment versus Outpatient
Depending on the seriousness of the addiction, the patient will need to decide whether an inpatient or outpatient treatment center is right for him or her.
Inpatient treatment features residential accommodations, where patients live for 30, 60, or 90-day stays to focus on beating their addiction and any co-occurring mental health disorders. It is recommended for those with serious addictions or long-term mental health issues.
An outpatient facility only requires the patient to participate for a number of hours and allows them to leave. Outpatient treatment, like that of JourneyPure Melbourne, is suited for people with less serious, short-term addictions.
Verifying Coverage and Finding the Best, Most Appropriate Treatment
Studying up on insurance options can be overwhelming, especially if you or someone you know is suffering with addiction. Of course, knowledgeable advisors are available with United Health. They can verify your insurance coverage and find the best treatment for you. Call your insurance provider and ask an informed representative about the details of your individual plan.