(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Humana.)
Does Humana Insurance Cover Treatment for Opiates/Opioids Addiction?
If you have an opiate or opioid addiction, are currently enrolled in a Humana health plan, and are ready to get help, get in touch with a representative at Humana to start working towards your goal of sobriety. Through Humana, there are many different options for healthcare coverage, so whether you are covered for treatment for your addiction will vary depending on what type of plan you have. Humana insurance for opiates/opioids addiction rehab should be an available option for you, but you will need to check with your representative. This can be done by contacting Humana directly or going through HR channels at your job.
Types of Rehabs Humana Will Pay For
Humana insurance for opiates/opioids addiction treatment is common in many different health care plans, but you will need to check with your representative to see what is specifically covered under your insurance. Typically, Humana will cover a variety of different treatment options, including inpatient and outpatient facilities. If you have decided to get help and check in to one of these facilities, know that your health insurance policy will differ from everyone else's, so it's important to contact Humana to make sure your decision is covered.
How Much of the Cost of Rehab is Covered by Humana?
Opiates and opioids addiction, along with many others substances, cost Americans over $700 billion a year from sources like rising health care costs, crime and less productivity. An exact number for how much money your Humana Insurance covers you for will vary from plan to plan, so reach out to a representative to go over your options. Your Humana coverage for opiates/opioids addiction rehab/treatment is specific to your policy, so it's good to get a handle on what you will actually be covered for.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Your coverage through Humana may provide you with some help with paying for addiction treatment through your insurance policy. Depending on your coverage, your stay at a facility may be fully or partially covered. If you want to attend a luxury or private facility, or any facility that costs more than your insurance will give you coverage for, ask your Humana representative for more information. Normally, you are allowed to pay above what your insurance will provide for treatment if you wish to stay in a facility outside of your coverage's price range. Contact a Humana insurance representative for more information.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Humana insurance for opiates/opioids addiction rehab should be an available option for you, but you will need to check with your representative."
You've decided it's time to get help with your opiate or opioid addiction, but where do you go? You need to make your way to a treatment center, of which there are two kinds: inpatient and outpatient. Inpatient facilities are very restrictive, requiring you to stay overnight at the facility for several weeks. During this time, you will be closely monitored to ensure no illicit activity occurs on the grounds of the facility. This type of treatment center takes care of food, housing and laundry services for you. Outpatient facilities are less restrictive, requiring only that you check in with an addiction specialist at a center daily.
Should I Choose a Residential Rehab Center?
Residential rehabilitation centers are beneficial in that they take you away from the outside world to focus on your recovery. Inside of an inpatient residential treatment center, you will be away from all of your normal contacts and tropes of everyday life. This way, you can focus on your recovery without the stressors of life bogging you down.
Will Humana Pay for Local Rehab and Out-of-State Treatment?
When you choose a rehabilitation center to get your addiction treatment, it may be more convenient for you to choose one that is out of state. Traveling to a treatment center can be therapeutic, and the new scenery could give you a nice change of pace. Alternatively, staying close to home could be just as beneficial. When seeking treatment options, get in touch with your Humana Insurance representative to discuss the restrictions or even benefits of traveling to a treatment center out of state or staying close to home. Depending on your policy, there may be more or less coverage for treatment depending on what area you are in.
Does Humana Pay for Private or Luxury Treatment?
Humana Insurance for opiates/opioids addiction rehab centers can be much more than just normal facilities. There are many options for treatment, including private or luxury treatment. Luxury rehabilitation centers boast private suites, gourmet food, and other luxuries such as massages or alternative therapies. It is important to note that you will receive healing treatment no matter what kind of facility you attend, so when choosing a rehab facility, ask your Humana Insurance representative how much coverage your policy covers you for. Humana may cover some or even all of your luxury treatment, allowing you to be more comfortable during your healing process.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is offered in many rehabilitation centers. When you check into an inpatient facility, all cell phones or devices you may have are confiscated. This essentially cuts you out of immediate contact with the outside world. If you are an important member of a business team, consider seeking out a treatment center that offers executive treatment. Executive treatment will allow you to keep in contact with coworkers and other persons through a laptop or internet enabled tablet.
What Treatment Lengths Will Humana Pay For?
When checking into an inpatient residential rehabilitation facility, you will have to stay overnight for several weeks, or even months. You can stay at a center as long as you feel you need, but the normal lengths of time you will spend there are 28-30, 60 or 90 days. Your insurance may cover you for only some of the time you need to stay at one of these facilities, so make sure to check with a Humana Insurance representative to fully understand what you are covered for. The Centers for Disease Control (CDC), recommend staying for the full 90-day treatment to get the most out of your visit.
What If I Have No Insurance?
Not having insurance should not deter you from seeking treatment for your opiate or opioid addiction. There are many different centers that will offer financing, allowing you to make payments on what you owe after you leave the rehabilitation center. When looking for treatment centers, remember to search within your price range, and avoid luxury or private treatment centers.
Using Our Helpline to Determine Your Humana Rehab Options
If you have coverage through Humana Insurance and are looking for help with your opiate or opioid addiction, call your insurance provider to discuss treatment options. A representative will go over your policy with you and help you take the steps you need to take towards living a clean and sober life.
Questions and Answers
- Will Humana Cover Multiple Rehab Stays?
Depending on your coverage, Humana may or may not cover multiple stays in a rehabilitation center. Your next stay could only be partially covered, or Humana may not cover a consecutive stay at all. This all depends on what type of coverage you have, so discuss it with your representative.
- Does Insurance Pay for Aftercare?
There are many different insurance policies, but most will cover aftercare.
- Could Rehab Make My Insurance Premiums Higher?
There could be a rise in your insurance premiums after a stay in a rehab facility, but this is relative to the type of coverage you have. Discuss this with one of Humana's insurance representatives.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
The Affordable Care Act changed everything about the health care industry. Whether or not you are covered for substance abuse or mental health treatment is dependent on your individual policy
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