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Alcohol And Drug Rehabs That Accept Humana Health Insurance

Isaac Alexis, M.D., AAMA, AMP-BC

Medically reviewed by

Isaac Alexis, M.D., AAMA, AMP-BC

April 10, 2019

Humana insurance offers group and individual health plans that may reduce or fully cover addiction treatment costs. Understanding your Humana plan coverage for treatment services can help you determine rehab options for you or a loved one.

One of the most common concerns among people seeking drug or alcohol rehab is cost. People struggling with addiction will often first need inpatient treatment within a rehab center. This may be followed by outpatient treatment through a program or individual providers.

Substance abuse treatment can offer many benefits for the physical and emotional wellbeing of someone struggling with addiction. More often than not, it can be life-saving. Having health insurance through Humana may be able to reduce your treatment costs. Depending on the type of Humana plan you have, some treatment costs may be eligible for full coverage. This would require little or no out-of-pocket costs from you.

Finding rehab centers that accept Humana insurance can help you or your loved one access affordable treatment. This can ease your financial burden and allow you to focus on your addiction recovery.

Does Humana Cover Drug And Alcohol Rehab?

Humana is one of the leading insurance providers in the United States with over 16 million members nationwide.

The three main types of health plans available through Humana include:

  • Medicare plans
  • individual coverage
  • group plans for employers

Many Humana plans offer some amount of coverage for substance abuse and addiction treatment. The exact amount may vary depending on the plan.

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Employers with more than 50 employees are required by law to offer the same amount of coverage for substance abuse treatment in their group plans as they do for medical expenses. This is due to the Mental Health Parity and Addiction Equity Act, which classifies substance abuse coverage as an essential health benefit.

Humana members with individual coverage may have to purchase a separate plan for behavioral health benefits. To learn whether or not your plan includes addiction treatment coverage, you may need to contact a Humana representative.

Substance Abuse Services Covered By Humana

Some Humana plans provide partial or full coverage for a wide range of treatment services shown to be effective for drug and alcohol addiction.

Substance abuse services that may be covered by Humana include:

  • medically assisted detox
  • counseling
  • inpatient rehab
  • medication-assisted treatment (MAT)
  • outpatient treatment
  • mental health services
  • prescription drugs
  • support groups
  • 12-step fellowships

Not all rehab centers and treatment providers accept Humana insurance. You may need to find an in-network rehab center or provider in order to use your insurance coverage. Medical authorization from your general physician may also be needed before entering treatment.

Out-of-network providers are unlikely to be covered by your Humana plan. Exceptions to this may be discussed with your insurance provider. Some rehab centers may also offer a sliding scale for costs or a treatment scholarship based on personal circumstance.

Medically Assisted Detox

The first step in treating substance addiction is to undergo detox. The safest and most effective way to detox from drugs or alcohol is to enter a hospital or rehab facility for medical detox. This provides a safe environment for doctors to monitor your health and treat withdrawal symptoms.

Depending on your health plan, Humana may provide coverage for medically-assisted detox through an in-network provider. This may cover medication costs and other services provided that are deemed medically necessary.

Inpatient Programs

Most doctors recommend that people with drug or alcohol addiction enter an inpatient program for intensive treatment. This can be helpful to achieve full and lifelong recovery.

Inpatient programs offer around-the-clock supervision and structure to help patients overcome the physical, mental, and psychological effects of their addiction. These programs typically last between 30 to 90 days and involve living onsite. Some programs may offer longer lengths of stay depending on the program and the needs of the patient.

The amount of coverage Humana offers for inpatient rehab can vary based on several factors:

  • whether the rehab center accepts Humana coverage
  • location
  • length of stay
  • details specific to your plan (e.g. included benefits, copayments, or deductibles)

It may be necessary to contact a Humana representative or treatment specialist directly to learn whether or not your plan covers inpatient treatment.

Medication-Assisted Treatment

Medication-assisted treatment (MAT) is an effective treatment for addiction that is offered in some rehab centers. This type of treatment involves the combined use of behavioral therapy and certain medications shown to ease withdrawal symptoms and reduce relapse risk.

One of the most common behavioral therapies for substance abuse is cognitive behavioral therapy. This type of therapy aims to help patients process their emotions, thoughts, and behaviors as they relate to their substance abuse. Other behavioral therapies may also be offered.

According to Humana’s member resources, MAT may be eligible for insurance coverage. This may not guarantee full coverage; however, your plan may allow for greatly reduced costs.

Outpatient And Aftercare Services

Outpatient treatment is a common recommendation for aftercare following an inpatient program. Recovery does not end with inpatient rehab, and many people can benefit from seeing a counselor, psychiatrist, and medical doctor for regular check-ins.

Some rehab centers also offer less intensive day treatment programs such as partial-hospitalization (PHP) and intensive outpatient (IOP). These programs allow people to reside at home and visit the facility several days a week, up to six hours a day for treatment.

Continuing treatment on an outpatient basis can provide the support and accountability many people need to stay sober. Additional outpatient services such as local support groups may also be helpful. With or without insurance, support groups may be available in your area at little or no cost.

Humana offers at least partial coverage for in-network outpatient providers. Finding outpatient treatment that accepts your insurance can be made easier by contacting a treatment specialist.

Using Humana Insurance For Prescription Drugs

Experts have found that certain prescription drugs can be beneficial for treating drug and alcohol addiction. The types of drugs prescribed for treatment can vary based on the patient history of substance abuse and other personal factors. While many people receive these prescriptions in rehab, your treatment plan may require that you continue using these drugs on an outpatient basis.

Humana recognizes the potential benefit of treating addiction with certain drugs and may help cover prescription costs. Copayments for prescriptions may be required depending on your plan’s benefits, and the drug. You can learn which prescription drugs are covered under your plan by logging into your MyHumana account on Humana’s member website.

Frequently Asked Questions (FAQ) About Using Humana For Rehab

An effective way to avoid hidden costs and fees from rehab is to ask questions before entering treatment. This may involve reaching out to your doctor and your insurance. Speaking to a treatment specialist can also help you find treatment options that may be most appropriate to meet your needs.

Having questions about your Humana coverage is normal. Learning what types of coverage your insurance plan offers for addiction treatment can ease any uncertainty as it pertains to payment.

Common questions to ask before using your Humana coverage for rehab include:

  • Does my Humana plan cover inpatient treatment? If so, for how long?
  • Is there a daily maximum coverage for inpatient treatment within a rehab center?
  • Which rehab treatment centers accept my Humana plan?
  • Do I need to submit any paperwork to Humana before going into rehab?
  • Does my Humana plan offer prescription drug coverage?
  • What will my out-of-pocket costs and required deductibles be, if any?
  • Does Humana cover outpatient services for substance abuse?
  • How do I find outpatient providers that accept my insurance?

How To Find A Rehab That Accepts Humana

Only 1 in 10 people struggling with substance abuse seek specialty care for their illness. One common reason for this is the worry around treatment cost. Using your Humana plan to pay for addiction treatment can lessen the stress of determining how to cover your rehab expenses.

Finding the right rehab center that accepts your insurance on your own can be confusing. Our treatment specialists can help. Contact us today to find a rehab center that accepts your Humana benefits.

* Disclaimer: is not affiliated with or endorsed by Humana Health or LifeSynch. Details about Humana’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered.

Humana - Treating Substance Use Disorders

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