Introduction to Alcohol Addiction Treatment
Alcoholism is an extremely dangerous condition that can irreparably damage the lives of addicts and those around them. The Center for Disease Control and Prevention (CDC) reported above 37,000 alcohol-induced deaths in 2007 alone with no signs of that number waning. On a more hopeful note between 2002 and 2012 alcohol abuse rates have declined 7.7 percent2, so the trend of recovery and rejection of alcoholism as a lifestyle choice is encouraging. Getting help now is the best action an individual suffering from alcoholism can take, but unfortunately there is the initial barrier of sorting out the best insurance options.
What Kind of Coverage Does Humana Insurance Offer for Alcohol Addiction?
Humana coverage for alcohol addiction rehab/treatment largely depends on many different variables. What kind of treatment you are seeking, where you live and what plan you select all impact the amount of coverage offered by Humana Insurance. Humana Insurance does definitely provide coverage for alcohol addiction treatment, because it is required by law to do so. But how much really depends on the plan a patient chooses.
This article is dedicated to sorting out what kind of coverage you can generally expect for Humana Insurance. We will navigate you through the basics of Humana Insurance coverage, so individuals can begin deciding if this carrier may be a good one for their needs.
Type of Rehabs Humana Will Pay For
Humana Insurance for alcohol addiction treatment will cover all traditional forms of treatment that are in-network. This included inpatient, outpatient and residential treatments along with anything recommended by a doctor.
Humana Insurance will not cover the following forms of treatment:
- Out-of-Network Facilities
- Over the Counter Medication
- New Age Therapies (Yoga, Acupuncture, Etc.)
- Luxury Facilities
- Executive Treatments
- Private Facilities
- Treatment without Referral from Doctor
Important Note: To make sure a treatment or facility is covered by Humana Insurance, it is a good idea to double check with the carrier to determine the exact coverage of a plan.
How much of the Cost of Rehab is Covered by Humana Insurance?
The type of plan one chooses determines exactly how much Humana Insurance will cover of any given treatment. Every plan has a deductible — this is the amount you have to pay out-of-pocket before the insurance company starts paying its share. Once the deductible is exceeded, Humana Insurance will start paying the percentage of the bill that is in the plan.
However, if you choose a treatment that is out-of-network or a type of treatment not covered, you will have to pay for 100 percent of the bill out-of-pocket. If you want insurance to help with the cost, then you’ll need to choose at rehab treatment that is covered.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Humana Insurance makes no restrictions on what a patient can choose to pay out-of-pocket. Ultimately it is up to the patient to decide what form of treatment is best for their addiction, and insurance companies can’t tell anyone what treatments to seek or not seek.
Inpatient Addiction Treatment vs. Outpatient Therapy
"The Center for Disease Control and Prevention (CDC) reported above 37,000 alcohol-induced deaths in 2007 alone with no signs of that number waning."
Choosing an inpatient or outpatient therapy is something that is highly individualized, so there is no one set answer as to which treatment is preferable. With inpatient treatments, addicts get the benefits of constant medical and psychological treatment along with a supportive environment. Outpatient treatments allow patients to go on with their regular lives while learning how to manage their own addictions in the real world. Both forms of treatments have their advantages and disadvantages, so the final decision should be discussed between a patient and their doctor.
Should I Choose a Residential Rehab Center?
Choosing a residential rehab center or not depends on the medical history, genetic background, living conditions and form of employment of each patient. Choosing a form of treatment for alcohol treatment is something that is highly individualized, so it should be discussed between a medical professional and a patient.
Will Humana Insurance Pay for Local Rehab and Out-of-State Treatment?
Humana Insurance for alcohol addiction rehab will cover rehab centers and treatments anywhere locally or out-of-state as long as it is in-network. Check with each individual rehab center to see if the facility is covered by Humana Insurance.
Does Humana Insurance Pay for Private or Luxury Treatment?
No. Humana Insurance, along with all other insurance carriers, does not cover private or luxury treatments. These facilities are considered to be beyond what most patients need for treatment of alcohol addiction.
Remember, just because a form of treatment is not covered by any insurance carriers doesn’t mean a person can’t seek the treatment anyways; that person will just have to pay for all expenses out-of-pocket. Sometimes it is worth paying a little extra to get treatment that is best suited to the unique needs of the patient.
What Does Executive Treatment Offer Over Other Rehabs?
When a patient enters executive treatment, they are choosing a form of treatment created to serve working professionals and public figures. Every member of the staff is trained to match the special needs of this particular demographic. Here are some of the distinct advantages of this form of treatment:
- Huge Emphasis on 100 percent Confidentiality
- Luxury Facility Accommodations
- Allowances for Continuing Work via Contact with Clients and Co-Workers
- Customized Treatment for the Personal and Professional Demands of Each Patient
- Surrounded by Peer Group of Similar Backgrounds in Treatment
What Treatment Length Will Humana Insurance Pay for?
Humana Insurance for alcohol addiction rehab pays for the length of treatment recommended by the medical professional managing the case. The length of treatment varies by the individual needs of the patient and the severity of the patient’s addiction.
What If I Have No Insurance?
When patients do not have insurance they can still get treatment for their addiction, but the road to getting there is just a tad bit more complicated. For those who qualify as lower income individuals in the United States, they can apply for Medicare or entrance into a public facility. For everyone with medium income or higher, they have to wait for open enrollment in Obamacare or pay out-of-pocket for the rehab and/or treatment.
Using Our Helpline to Determine Your Humana Insurance Rehab Options
Feeling overwhelmed by all this information? Do not feel alone. Finding insurance for addiction treatment is a difficult task, so we created a service to help patients find the treatment and insurance they need. Call our hotline at 1-888-341-7785 to learn more specific information about the type of insurance you need to finally be done with the addiction once and for all.
- Will Humana Insurance Cover Multiple Rehab Stays?
- Does Insurance Pay for Aftercare?
- Could Rehab Make My Insurance Premiums Higher?
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Humana Insurance covers multiple rehab stays and treatments as long as a doctor writes a referral.
Whether Humana Insurance pays for aftercare is taken on a case by case basis.
It is illegal for insurance carriers to raise the premiums of those who seek treatment for an addiction.
Yes, insurance carriers are now required by law to cover treatment for substance abuse addiction treatment.