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Humana Insurance Coverage for Eating Disorders
Does Humana Insurance Cover Treatment for Eating Disorders?
You have an eating disorder and you want to get help, but where do you turn? If you have health insurance through Humana, get in touch with your representative and discuss behavioral disorder treatment options. Your plan is specific to you, so your individual coverage options for treatment will vary, and your exact options will be determined by what type of plan you have. Humana Insurance for eating disorder rehab is an option that should be available to you through your coverage plan, so check in with your representative at Humana or your company’s HR department to start the path to a healthier life.
Types of Rehabs Humana Will Pay For
Humana Insurance for eating disorder treatment is available through many different coverage plans, so it is important for you to check with a Humana Insurance representative about your policy to see exactly what kind of treatment is available to you. Depending on your policy, Humana will cover a variety of rehabilitation facilities for your treatment, including inpatient and outpatient centers. An outpatient center will cost comparatively less than an inpatient center, and having insurance can help offset the cost of it all.
How Much of the Cost of Rehab is Covered by Humana?
Eating disorders have the highest mortality rate of any mental illness, so it is important to seek help regardless of your financial situation. The specific number for the amount of money your policy covers for treatment will vary, so it is important that you contact a Humana representative to go over your policy with you. Your Humana coverage for eating disorder rehab/treatment is specific to you and your policy, so having a representative go over it with you is essential.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If you are going to check into a rehabilitation center, remember that your Humana insurance policy may cover some or all of your time spent at a facility. If the coverage is only partial, you can pay the remaining balance you owe to the center when you complete your treatment. If you are planning on attending a luxury or private rehabilitation facility, your plan may allow you to pay the difference that Humana does not cover. How much Humana will cover, and whether the luxury facilities are covered at all, is dependent on your individual policy, so contact a Humana representative to go over your treatment options.
Inpatient Addiction Treatment vs. Outpatient Therapy
“You have an eating disorder and you want to get help, but where do you turn? If you have health insurance through Humana, get in touch with your representative and discuss behavioral disorder treatment options.”
Now that you’ve decided to get help with your eating disorder, it is time to look into different rehabilitation centers. There are two types of centers: inpatient and outpatient facilities. Inpatient rehabilitation centers are very intensive, requiring you to sleep at the facility for several weeks, or even months. An inpatient facility will take care of food, housing, and laundry services for you. Outpatient centers are more lax, requiring only that you check in with an addiction specialist daily.
Should I Choose a Residential Rehab Center?
A residential rehab facility is beneficial in that it removes you from the stressors of the outside world. When you check in to a residential facility, your cell phone and any other device will be confiscated. This helps you focus on getting the therapy and treatment you need to help overcome your eating disorder and get back to your new life, happy and healthy.
Will Humana Pay for Local Rehab and Out-of-State Treatment?
When choosing a rehabilitation center for your eating disorder treatment, you may choose a facility that is far away or out of state. There could be benefits to this, as the travel time itself could be therapeutic, or even a change of scenery. Of course, there are also the obvious benefits of home field advantage by staying close to home. When making your decision, get in contact with a Humana representative and go over your policy. There may be restrictions, or even benefits, to choosing a rehabilitation center that is out of state. Depending on your policy, this could make or break your decision to attend a center rehab center.
Does Humana Pay for Private or Luxury Treatment?
Humana Insurance for eating disorder rehab centers can surpass just normal facilities, and can enter the world of luxury. There are many options available to you for treatment, including private or luxury facilities. Luxury rehabilitation offers many bonuses, including private rooms, finer dining and other luxuries, such as massages or alternative therapy. Private and luxury treatment may be covered under your Humana insurance plan, so talk to a representative and discuss your options. You may find out that your policy covers you fully for a luxury suite, or that a private center is just not an option. Talk to someone in the HR department at your company or call Humana to discuss this further.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is for the person that needs to stay connected. When you enter an inpatient rehabilitation facility, your cell phone and any other device will be confiscated. This can cause a problem for the person that needs to keep their finger on the pulse of their company. If being out of immediate contact is a problem, consider searching for a rehab facility that offers executive treatment. Through executive treatment, you can work from a laptop or internet enabled tablet at certain times of the day. This will allow you to keep working while focusing on getting the treatment you need for your eating disorder.
What Treatment Lengths Will Humana Pay For?
When you check in to an inpatient facility, you will have to stay overnight for several weeks, or possibly months. Normally, there are three different lengths of time that you can stay at a treatment center: 28-30, 60 or 90 days. Your Humana Insurance policy is specific to you, so what you are covered for exactly can vary from person to person. Contact your representative at Humana to discuss your policy and the treatment options available to you. Even if it is not fully covered, the Centers for Disease Control recommend a full 90 day stay at a treatment facility to get the maximum benefits.
What If I Have No Insurance?
Not having insurance is not a reason to not seek treatment. Even if you don’t have insurance, you should inquire into treatment facilities anyway. Most facilities offer financing, allowing you to pay what you owe in installments after you leave the center. This will allow you to pay as you go after your life is back on track. When searching for a rehab center, search for mid-range priced facilities, and avoid luxury or private centers.
Using Our Helpline to Determine Your Humana Rehab Options
If you have Humana Insurance coverage and are ready to get help for your eating disorder, please call 1-888-716-9806 to discuss treatment options. A representative will go over your policy with you and explain exactly what you are covered for. Then you can take the right steps towards a healthier lifestyle, and live the way you want to.
Question and Answer
- Will Humana Cover Multiple Rehab Stays?
After your first stay at a rehabilitation center, insurance coverage can change. It is important to talk to a Humana representative or someone in your company’s HR department to discuss options for multiple rehab stays.
- Does Insurance Pay for Aftercare?
There are many policies available, and most will provide coverage for aftercare.
- Could Rehab Make My Insurance Premiums Higher?
Depending on your policy, insurance premiums can change when there is activity on your account. Talk to a Humana representative to get a better idea about your policy and rates.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
The Affordable Care Act changed many things about the way substance abuse and mental health coverage is handled. Through Humana, your insurance should still cover you, but talk to a representative to go over the finer details.