Rehab Centers That Accept Humana Insurance In Alaska
Drugs impact families in unexpected and potentially dangerous ways. Depending on the substance, it can alter the behaviors of a loved one or cause recklessness that inadvertently puts the lives of family members in danger. When a loved one shows signs of substance abuse or a mental health disorder, he or she needs professional help. By working with a Humana policy, an individual or family can seek treatment and start working on realistic recovery goals.
Medicare and Aetna Policies
In Alaska, Humana offers coverage directly through Medicare policies. The policies offer basic coverage for most health concerns, including mental health disorders; however, the exact amount of coverage varies and some Medicare plans limit the options for substance use disorders.
Since Aetna purchased Humana, other policies are available in Alaska through an employer. Aetna offers a variety of policy options through employers, including one-to-one policies and small business policies. The exact details in any policy depend on the company and employer standards rather than the individual, so each company offers different Aetna policy options.
In most cases, Aetna policies from an employer cover basic healthcare needs or provide standard coverage for most health concerns. The basic policy can set limitations on coverage for mental health disorders or substance use disorders, so evaluate any limits before looking for treatment. In some cases, the policy does not cover out-of-network treatments or covers a smaller percentage of the costs. For example, it might only cover 40 to 60 percent of the costs of an out-of-network treatment program.
Standard policies generally cover the cost of treatment in an in-network facility, but the details about the deductible and the overall costs of treatment vary. The standard policy options from Aetna usually cover roughly 60 to 80 percent of the treatment costs, as long as the individual complies with the standards stated in the policy. In most policies, the individual will need to pay the stated deductible before coverage applies to any mental health disorders or treatments for an addiction.
Limits in the Plans
Aetna and Humana policies in Alaska can set limitations or exceptions in the plan. Exceptions usually apply to optional treatments, like acupuncture or massage therapy, as well as any experimental treatments that a facility can offer. Policies can also exclude treatment in an out-of-network program, so read the details about the exclusions before entering a specific facility.
Limitations do not necessarily prevent treatment; however, it can result in higher costs than an individual anticipates if he or she does not use the standards of the policy to determine the length of treatment. In most cases, limits apply to the duration of treatment, such as 28 to 30 days in residential care, or to the type of program the policy will cover.
Treatment programs that address substance abuse, mental health disorders or co-occurring disorders usually offer three primary types of recovery solutions: holistic, evidence-based, and traditional. The best facilities offer personalized solutions for substance abuse based on the underlying causes of addiction and use a combination of treatment solutions to help individuals recover.
Traditional treatments refer to the counseling, group therapy and family therapy programs. When a program primarily uses counseling services and related treatments to help with the recovery process, it is offering traditional solutions. Some facilities offer a combination of treatment options, including traditional solutions, so individuals can work with a variety of tools to focus on recovery goals.
Evidence-based treatments use solutions that have scientific evidence to prove that the treatment is effective against substance abuse or a specific mental health disorder. For example, programs that use cognitive behavioral therapy or similar psychological treatments are a type of evidence-based program.
Holistic facilities focus on the needs of the individual as a whole person, so the treatment combines different types of solutions to help with long-term goals. For example, it uses yoga, meditation, counseling, cognitive therapy and medical treatments for physical ailments so that the treatment program addresses each area of an individual’s lifestyle.
Recovering in Alaska
Alaska offers a variety of options to help with long-term recovery goals and the peaceful environment allows individuals to focus on their situation. To learn more about treatment programs in Alaska, use the tools at RehabCenter.net today.