There are many different types of insurances and insurance companies out there.  Humana rehab insurance is one type of insurance company with a large variety of inpatient and outpatient services under its wing of expansive coverage for drug and alcohol addiction treatment as well as for mental health services. Of course the exact services that are covered for you under your Humana rehabilitation coverage will depend on your personal package with Humana.

Rehab centers like St John’s Recovery Place and others across the nation work hard to make sure you get the care you need, and will work with you and your insurance package to make your treatments as affordable as possible. Addiction is hard, and recovery can be difficult, but your insurance can help offset costs and your rehab center will work with you to make sure you get the proper care that you need at a price that you can afford. We are in-network with Humana and accept many policies under their umbrella of addiction treatment coverage. Call St John’s Recovery Place admissions at 833-397-3422 to learn more about Humana drug and alcohol rehab options and the treatment we can offer to assist in your recovery.

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What Does My Humana Insurance Cover?

At the Humana insurance company, health is at the core of everything that they do. Human insurance offers both Medicare and Medicaid plans, that can vary on coverage and services provided based on the policy you have and the state that you live in. As such, a great deal of work is put into Humana drug rehab plans and insurance packages, to ensure that the needs of every individual who struggles with substance abuse is met. It is important to note that not every state accepts or offers access to Humana health care plans, but that the majority of them do. As one of the largest health care providers available to American citizens, there are a wide variety of policies and services that can be covered with Humana. Rehab is typically one of those services.

Humana insurance offers both addiction and mental health care services to client’s in need, through a subsidiary of theirs called Humana Behavioral Health. Additional resources can be found on Humana’s personal webpage if more information is required, but typically these are the types of services included in Humana insurances:

  • 24/7 access to available help
  • Assistance with your personal questions and concerns
  • Access to participating providers
  • Confidentiality according to both state and federal laws
  • Case management for ongoing or frequent repetition of hospitalizations due to substance use or mental health
  • Treatment coordination
  • Advocacy on your behalf while speaking with providers

Does Humana Cover Rehab?

There are many different factors to consider that would determine whether or not you can make use of insurance coverage under Humana. Rehab insurance is important, but can be fickle, and you may need to reach certain requirements in order to obtain substance abuse coverage assistance with Humana. Drug rehab coverage can be influenced by state, legal requirements, the type of treatments and services you are trying to recieve, and the individual plan that you have with Humana. Alcohol rehab and mental health assistance can operate in much the same way.

Overall, Humana rehab insurances do include the option to either be added on to a plan, or can be a core aspect of the plan that you choose. Oftentimes there is the condition that to use these plans, or add-ons, is that you must be able to prove that you need these substance abuse and mental health services medically. Humana rehab insurance plans typically cover:

Does Humana Cover Methadone Maintenance?

When you begin your addiction recovery you usually start off by having an appointment with you Primary Care Physician. Your physician can write prescriptions for you, give you more information on next steps, diagnose you with your specific condition in relation to substance abuse, and then refer you to a substance abuse treatment provider. Since even Humana individual health insurance plans typically cover prescription medications, and substance abuse treatment, it is possible to be able to get your methadone maintenance treatment covered as well.

Methadone maintenance is a type of medically-assisted treatment that helps individuals manage chronic pain and detox / maintain abstinence from opioids in the case of opioid addiction. Since methadone is a medically approved medication that requires a prescription for use, Humana health insurance providers can make use of the treatment and thus fight for its coverage for their clients needs. Humana therapy coverage can be very extensive and help client’s work towards their recovery, by making recovery options more available and affordable.

Does Humana Pay for Suboxone?

What about Humana suboxone coverage? Do the insurance policies allow for the use of this medication? The answer is yes. Suboxone is a medication that contains buprenorphine and naloxone, that was developed for treating opioid addiction by blocking opioid receptors in the brain from the effects of illicit drugs. Also considered a medication that can be used in medication-assisted treatments for substance abuse, suboxone does typically meet Humana insurance policy qualifications for coverage and use.

Yes, suboxone can be used in Humana drug rehab to help individuals detox and recover from their addiction, as the medication is a prescription only medication that must be recommended and monitored by your physician specifically.

Does Humana Cover Alcohol Rehab?

If you or a loved one struggles with alcohol use you should probably look into alcohol rehab. Humana insurance policies can vary on coverage plans for services based on the state you live in, the policy you have, and the treatments you are trying to obtain. Typically substance use disorders are treated, at least in part, by companies like Humana. Alcohol rehab can be utilized in both inpatient and outpatient settings.

Since alcohol addiction is also considered to be a substance use disorder, and have medication prescribed to client’s for treatment, it is possible–depending on your policy, state, legality etc.–for you to obtain assistance with paying for your alcohol addiction treatment with Humana. Rehab centers work hard to work for you effectively, they will try their best to work with your insurance policy to get you the care that you need. And since Humana works with many inpatient, outpatient, and medical detox facilities to treat substance use disorders, they may be willing to cover at least part of your alcohol addiction treatment as an add on to your policy as well.

In-Network vs Out of Network Expenses

Although Humana insurance does a great deal of work to make sure their policyholders have all of their needs met, there are still certain qualifications substance abuse treatment seekers, and their treatment facilities, must meet in order to obtain coverage. First, if you are looking to get substance use disorder treatment, you must visit your primary physician so they can diagnose you with a substance abuse issue medically. Humana preferred providers are ultimately your best bet for primary care physicians, as recommendations that come from them will be taken more seriously, and thus work better for your benefit.

Normally, only Humana in-network providers will be covered in regards to treatment centers. If the rehab center you are looking into is not a preferred provider with Humana, out of network costs may be applied to your treatment, or the company may not pay for any of your treatment at all. In the case that Humana approves your treatment with an out of network facility, you will likely have to pay higher co-pay prices and larger deductibles in order to maintain your treatment through the insurance company. Finding a Humana preferred provider is both easier, and much less stressful, but can come with its own sets of drawbacks as well if you were wanting to try a very unique type of therapy. Services Humana insurance will not cover include:

  • Luxury treatment facilities
  • Private treatment facilities
  • Over-the-counter medications
  • New Age of holistic therapies

Paying for Drug and Alcohol Rehab

Understanding the dos and don’ts of Humana rehabilitation coverage can be very confusing, frustrating, and stressful at times. Humana rehab centers can do a lot for you, but they must also meet a certain amount of very specific qualifications. This may make you nervous. What happens if you need a specific kind of treatment that Humana will not cover? What if you need to undergo treatment in a state that Humana does not work in? What if you’ve tried all of the other therapies out there and desperately want to try holistic therapy to see if it helps to make more of a difference?

There is no need to worry. If your Humana rehab insurance policy does not allow for you to receive the types of treatments and services you need, there are other options for substance abuse treatment available to you. You can work with your treatment facility to either pay for treatment by:

There are many other types of funding opportunities as well. Just because Humana might not cover the cost of your treatment does not mean you have to not undergo treatment altogether. There are many different types of substance abuse treatment services out there, and most facilities–like Saint John’s recovery Place (SJRP)–will work with you as much as possible to make sure you are able to receive treatment. We do not offer financing options at SJRP, but can work with you to help you understand and limit your out-of-pocket maximums, deductibles, and potential for working with co-insurance policies. Here at SJRP our main concern is your recovery, and we will work with you in whatever way we can, to make sure you obtain the care that you need.

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