Humana Coverage for Drug and Alcohol Detox & Addiction Treatment

As one of the largest health insurance providers in the country, Humana was first established in 1972 to service the individual, group and Medicare insurance markets. Since that time, Humana coverage has developed affiliations with hospitals, healthcare networks and addiction treatment agencies across the the country.

If you’ve been battling a drug and alcohol problem and seek detox treatment help, having Humana coverage not only makes getting rehab help more affordable, but also enables you to choose between a number of treatment program options. While everyone’s health plan is different, your existing plan will likely cover a large portion of your total treatment costs.

Knowing what your Humana health plan will cover makes it that much easier to take that first step towards eliminating substance abuse and addiction from your life.

Does Humana Cover Drug & Alcohol Detox?

Humana does provide benefit coverage for drug and alcohol detox treatment, but you must be referred by your primary care physician in order for your plan to pay out. With Humana, benefit plans are assigned to health provider networks made up of doctors, hospitals and healthcare agencies.

Any treatment services you receive must be provided through your assigned network unless your plan includes coverage for out-of-network service providers. Detox services covered by your Humana plan include:

• Medical detox treatment to manage withdrawal symptoms
• Inpatient detox care – treats chronic medical and psychological problems that develop as a result of chronic substance abuse
• Residential detox care – treats cases where the withdrawal stage lasts a month or longer
• Outpatient detox care – for when detox treatment doesn’t warrant an inpatient or residential care, such as with marijuana abuse problems

Does Humana Cover Drug & Alcohol Rehab?

Drug and alcohol rehab focuses on treating the psychological dysfunction that chronic substance abuse leaves behind. Psychological dysfunction shows up in the way the brain thinks in terms of its priorities, motivations and perceived needs.

When addiction is present, this dysfunction makes you believe you need drugs and alcohol to cope with daily life. Since detox care only treats the body’s physical dependence on drugs and alcohol, ongoing treatment is needed to help you maintain continued abstinence. Humana plans will cover drug and alcohol rehab provided it’s considered medically necessary.

Drug and alcohol rehab services covered by your Humana plan include:

• Residential care
• Outpatient care
• Medication-assisted therapies, such as methadone and Suboxone
• Individual psychotherapy
• Group therapy
• Drug education and counseling

How Long Will Humana Cover Detox Services?

Humana could cover all of your detox and rehab costs.

The detox stage is a critical first step in the recovery process, so it’s especially important to choose a program that offers the level of support you need. Humana will cover detox services for as long as you need provided the care you receive is considered essential to your health and well-being.

Like most all insurance companies, Humana maintains data on treatment types, treatment effectiveness and types of addiction. This data is used to determine what types of services the company will and won’t cover. Humana can also use this data to determine whether a less expensive form of treatment should be substituted for a more costly treatment option.

For these reasons, it’s important that you and your primary care physician are on the same page when it comes to the level of care you most need to succeed in recovery.

Does Humana Provide Coverage for Luxury Detox & Other Non-Essential Benefits?

Current health care laws now require insurance carriers to offer the same types of benefits for substance abuse treatment that are offered for standard medical care. This means, substance abuse treatment is considered an essential health benefit, so all marketplace insurance companies are required to offer rehab coverage.

With standard medical coverage, any services received by a doctor or specialist must be deemed medically necessary. In like manner, rehab services must also be considered a necessary part of your recovery or else an insurer can choose not to cover them.

For these reasons, Humana does not provide benefit coverage for luxury detox programs, meaning any service or treatment you receive must be considered an essential health benefit in order for your policy to pick up the costs.

How Can I Cover the Excess Costs of Detox That Are NOT Covered by Insurance?

While Humana insurance plans can go a long way towards offsetting the costs of detox treatment, any one plan type will require you to cover certain out-of-pocket costs before you can use your plan benefits. Out-of-pocket costs, such as deductibles, monthly premiums and copays can get expensive, especially when there’s a need for long-term rehab treatment.

The good news is many detox (and rehab) programs that Humana works with offer payment assistance options to help lessen the burden of out-of-pocket expenses. These options may take the form of:

• Third-party financing
• Income-based payment arrangements
• Program scholarship or grant openings
• Monthly payment arrangements

Free Insurance Benefits Check-Your Detox May Be Fully Covered

Finding a detox program that accepts Humana coverage and also offers the level of treatment support you need can take some time. Likewise, ensuring your benefit coverage matches the types of services offered by any one program will also take some effort.

Detox.com specializes in matching individuals with programs that not only accept their insurance plans, but also provide the level of support they need to get well. Call us here at 800-483-2193(Who Answers?) to speak with one of our program advisers about finding a program that meets your current needs.