Whether your insurance provider shall cover the cost of alcoholism or drug addiction treatment or not has a significant impact on your decision to enroll in a treatment program. If you or your employer signed up for Humana insurance, you have a big chance of paying from little amount to nothing for your rehabilitation.
Does Humana cover drug rehab coverage or alcoholism?
Humana One program provides individual and group insurance for people with drug addiction and problem-drinking.
Humana’s insurance benefits enables alcoholics and drug addicts undergo the necessary treatment to confront the underlying issues of their addictive behavior, learn new positive stress-coping mechanisms and live a sober and productive life. There are multiple types of healthcare coverage that Humana pays for. So, you have to ask the admissions counselor whether certain policies cover the drug rehab treatments that you will avail of.
What length of stay will Humana pay for treatment?
The length of stay and type of care provided that Humana shall pay for vary according to your insurance coverage, the state you live in, the in-network facility and other factors. Humana’s substance abuse coverage includes residential programs, inpatient and outpatient treatment, therapy sessions and other forms of treatment that may last from several days up to a year or more.
Does Humana offer specialized alcohol and drug treatment coverage?
Humana provides adequate coverage to a wide array of treatment options for people with alcoholism and drug addiction.
Normally, people suffering from substance abuse have to undergo detox to clean up the system from drug residues and to lessen the signs of withdrawal. Intensive inpatient treatment or outpatient may follow to manage both the physical and psychological aspects of addiction. Counseling, support groups, evidential rehab and other forms of therapy may be prescribed to the patient depending on the patient’s needs and response to the treatment plan.
Insurance options - Inpatient addiction treatment vs. outpatient - which is better?
Each person responds to a unique treatment plan specially tailored to fit his (or her) needs and preferences. Individuals who want to attend therapy sessions, and receive prompt medical attention from staff and community members 24 hours a day, 7 days a week may benefit well from an inpatient facility. Individuals who have the motivation to appear for a medical session, therapy, and counseling may do well with outpatient treatment.
How do I pay for what insurance won't cover?
If the amount of treatment exceeds the insurance coverage, there are many options available for you. You can talk to the admission’s counselor about the facility’s payment options, like sliding fee scale, credit card payments, scholarships, grants and other options. You may also consult the admission’s counselor about your qualifications for Medicare, Medicaid and financing. If you have a secondary insurance, you can contact your insurance provider and ask whether it covers substance abuse treatment or not.
How do I confirm I have coverage?
Insurance companies all over the country are required to provide insurance coverage for substance abuse disorder. But, you have to make sure that you are sufficiently covered. Check your original health insurance card, call the toll-free number at the back of your Humana card to confirm your coverage, and ask the admission’s counselor about co-pay terms. In case you have to shell out some amount, ask for a receipt outlining the services received for verification of your Humana insurance.