Rehab Centers That Accept Humana Insurance In Colorado
Humana One services in Colorado and provides unique insurance coverage for those looking to pursue a sober life. Unlike most insurance plans, Humana One’s program allows for policy holders to select any treatment center.
You’ll be required to pay a specific amount of money every year before Humana starts covering medical bills. That specific amount will vary based on your plan. If you hold an individual plan, review your documentation to see how much you’ll have to pay. For those on group plans, such as those provided an employer, the administrator of your health insurance will know your yearly deductible.
Two Categories of Covered Rehab
Thanks to Humana One’s flexible health insurance plans, those looking to end their substance abuse may make use of both common types of rehab: inpatient and outpatient.
Outpatient programs allow for the patient to return home at night, while they spend their days in a rehab facility. Less intensive outpatient programs even allow patients to maintain their normal schedule while spending evenings and weekends in a counseling program.
Inpatient programs call for the patient to stay within the rehab facility for a set amount of time. The amount of time is based on the substance being abused and the severity of the addiction. Timeframes range from 3 days up to 90 days.
Both types of rehab aim to aid in detoxification while minimizing withdrawal symptoms. Once the initial phase is passed, group and individual counseling begins that aims to root out the cause of the substance abuse. Additionally, counselors will also impart life skills to help you avoid a relapse and protect sobriety.
Humana in Colorado offers three levels of insurance plans, both of which provide coverage for both inpatient and outpatient procedures. The Connect Silver 3650 plan provides coverage for 100 percent of expenses after the deductible has been paid. The Connect Gold 2500/3500 plan covers 80 percent of expenses after the deductible. Finally, the Connect Platinum plan pays for 80 percent of medical expense after the deductible. Deductibles vary depending on your unique plan. As an example, if you have a Connect Silver 3650 plan with a deductible of $1,000, and your total bill is $10,000, your insurance plan will cover $9,000 worth of your treatment.
Choosing the Right Rehab Facility
Those with Humana One’s coverage can choose any rehab facility within Colorado. This means that selecting the right facility involves more than seeing if they are in-network or out-of-network. Ranging from 100 percent to 80 percent based on your plan, you’ll be primarily responsible for the initial deductible. You can begin understanding which program is right for you by asking the following questions:
- What medications or methods are used to minimize withdrawal symptoms and aid in detox?
- Does the program have any methods for reducing and eventually eliminating physical cravings for the abused substance?
- Does the rehab facility have a nutritional component?
- For outpatient programs, is the facility located within a reasonable distance from home?
- Do the counselors look for and treat co-occurring conditions, such as bipolar or schizophrenia?
- How do you feel about their plan for ongoing treatment?
Each of these questions will help you understand if the rehab facility is right for your needs. The program should be fully equipped to aid in your path to recovery and help you protect it by preventing a relapse. Humana One will provide coverage for any type of facility you need.
What to Expect from a Rehab Stay
The first step on your path to sobriety is to ask for help. You may wish to reach out to a loved one for support. Together, you’ll begin by visiting your primary care physician and explaining your situation. They’ll want to know how long you’ve been having substance abuse issues, the substance being abused and how it’s impacting your life.
Your primary care physician, who is also covered by Humana One, will likely refer you to a substance abuse counselor or rehab facility. You’ll determine, with their help, if you would benefit more from an inpatient or outpatient program.
Inpatient programs may seem daunting, but understanding what to expect will help remove this barrier. Your visit will begin with an intake assessment and any additional screening. The specialists will use this information to create a tailored treatment program for you.
After intake, you’ll likely immediately begin detoxification and withdrawal. The professionals will do everything they can to minimize pain and keep you healthy while eliminating the substance from your system.
Medication and counseling will begin when appropriate, which may be during withdrawals or after. Depending on the substance being abused, medication may be used to reduce physical cravings. As treatment progresses, an educational phase will begin that aims to equip you with the knowledge and skills needed to remain sober. Humana One provides coverage for both medication and counseling, even after you’ve left the rehab center. Medications for all three plans will be 100 percent covered after the deductible.
Dedicate Yourself to Your Recovery
Your insurance coverage through Humana will help fund your road to recovery. However, you’ll also need to dedicate yourself to the process. Ending substance abuse is difficult, regardless of the substance being abused. With time and consistent effort, you’ll become and remain sober.