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Your Guide to Humana Drug Rehab Coverage

by | Last updated May 14, 2021 at 10:01AM | Published on Sep 18, 2020 | Insurance Help, Rehab Coverage

Humana Drug Rehab Coverage

Seeking professional help for a substance use disorder is paramount to get better. With treatment becoming increasingly expensive, many struggling with addiction don’t know about the many financing possibilities available to those in need. Most people can use their insurance carrier to pay some or all of attending a rehab center. Here’s your guide to Humana drug rehab coverage options.

Humana Coverage for Substance Abuse Treatments

With over 13 million members, Humana is one of the largest health insurance providers in the United States. They offer a wide array of policy options to help you meet your specialized needs. Most Humana members have some addiction treatment coverage. However, the amount of coverage depends on your unique plan.

Your plan details, the addiction treatment center you choose, and the type of treatment being sought will affect how much coverage you can receive. According to Humana, “To be covered, expenses must be medically necessary and specified as covered,” which means most substance abuse treatment should be partially covered.

While treatment options covered by your Humana insurance will depend on your specific plan, most plans include:

There are some things that Humana won’t cover. For example, over-the-counter medication, luxury, private facilities, executive treatment, and some new age therapies like acupuncture or yoga.

Inpatient and Outpatient Humana Coverage

The level of coverage for inpatient rehab services will vary depending on the plan. However, Humana does require a referral to a treatment facility before they pay, which is why you must review options with your physician before choosing a treatment plan.

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.

The coverage for outpatient programs is very similar to inpatient rehabilitation. The type and amount of coverage will depend on the individual plan and several other factors. Like inpatient treatment, most Humana plans require policyholders to pay copays and reach deductibles before Humana pays for outpatient treatment expenses.

Humana Behavioral Health Resources

Like other insurance companies, Humana offers various addiction and mental health resources through Humana Behavioral Health. This subsidiary division gives its members access to:

  • Treatment coordinator
  • Assistance with questions and concerns
  • Case management with ongoing assistance
  • Access to resources, articles, and educational resources about addiction

How to Verify Coverage

The first step to reap the benefits of your insurance plan is to verify coverage. Contact your insurance provider to help you find treatment facilities in your area that are in-network. Additionally, you can always reach out to our admissions office. Use our insurance verification form to find out if your insurance policy covers drug rehab.

More than that, you want to ask about what’s covered under your policy and for how long will these benefits extend. Sometimes people need to be in a rehab center for 30 days or 90 days. After all, addiction recovery is a long-term process. Some insurance companies will stop covering after a specific period. Our admission specialists can help you find out the length of your coverage.

How to Pay for Rehab If My Humana Plan Doesn’t Cover It

Don’t let your insurance stop you from seeking substance abuse treatment. There’s no better time to seek treatment for drug abuse than today. After all, seeking help for your addiction will be the best investment you’ll ever make for yourself. Your path to recovery can still happen.

At Lighthouse Recovery Institute, we offer various payment plans to help you afford treatment. Other alternatives include seeking out a loan. You can also check if your company’s insurance provides employee assistance programs that could cover drug rehab. You’ll be surprised how many family members and friends are willing to help you pay for your treatment program.

Stop using money or your financial situation as an excuse for seeking drug or alcohol addiction treatment. If you or someone you know is struggling with substance abuse, contact us today to get started. We’ll look at your Humana insurance policy and verify what’s covered. If you don’t have coverage through your insurance, we’ll work tirelessly to find other alternatives. Our priority is to help you find the help you need to get better.

Lighthouse Editorial Team

Lighthouse Editorial Team

Our editorial team includes content experts that contribute to Lighthouse Recovery Institute’s blog. Editors and medical experts review our blogs for accuracy and relevance. We consistently monitor the latest research from SAMHSA and NIDA to provide you with the most comprehensive addiction-related content.
Medical Disclaimer:

Lighthouse Recovery Institute aims to improve the quality of life for anyone struggling with substance use or mental health disorder. We provide fact-based content about the nature of behavioral health conditions, treatment options, and their outcomes. The material we publish is researched, cited, edited, and reviewed by licensed medical professionals. The information we provide in our posts is not intended to be a substitute for professional medical advice, diagnosis, or treatment. It should never be used in place of the advice of your physician or another qualified healthcare provider.

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