Rehab Centers That Accept Humana Insurance In Hawaii
Treating addiction or a mental health disorder requires the right tools and assistance. When a dependent loved one shows signs of substance abuse through odd or sudden changes to his or her behavior, it is important to understand the details of an insurance policy. In Hawaii, Humana offers insurance coverage through Aetna employer-provided policies and Medicare, so individuals have options to help with long-term recovery goals.
Coverage Through Employers
Since Aetna purchased Humana to offer coverage to a greater number of states, the policies available through employers in Hawaii are generally available as an Aetna policy. Employer-provided policies depend on the needs of the group and the preferences of the business owner or the representative of the company rather than the insurance provider.
In Hawaii, Aetna offers a one-to-one health fund that allows employers to select a policy that fits the size of their business and the needs of the employees. In most cases, the policies offer basic or standard coverage and allow individuals to seek treatment for mental health disorders.
Standard coverage usually results in a reasonable monthly cost, but the out-of-pocket expenses vary between policies and employers. For example, some policies will require a deductible of $4,000 before the policy covers additional costs. Other policies might require a deductible of $6,000 per year. The exact rates vary, but most policies cover roughly 60 to 80 percent of the treatment costs after an individual pays the stated deductible.
Pay attention to any details in the policy regarding in-network and out-of-network treatment programs to avoid complications with the costs. Some policies exclude or limit coverage to an out-of-network treatment provider.
Humana also offers coverage through Medicare in Hawaii. The Medicare coverage helps with most costs, but it does not always offer the same level of coverage for mental health disorders or substance abuse that individuals need for long-term recovery goals.
Exclusions for Treatment
Exclusions in a policy usually refer to any specific treatments that the policy does not cover. For example, a policy might not cover massage therapy or acupuncture as an alternative pain relief solution during rehab. Other treatments, like counseling, the policy will usually cover as long as the individual complies with any standards regarding referrals, deductibles and the treatment provider.
Some policies will limit coverage for addiction rehab, but the limitations vary. For example, a policy can limit outpatient treatment to 12 sessions per year or might set a limit on inpatient treatments to 30 days per year. Pay attention to any limitations to stay within a planned budget.
Treatment Options for Recovery
Treating an addiction or a mental health disorder in a professional rehab center offers the tools to focus on long-term goals. A rehab center offers a variety of options, but it usually falls into three main categories: holistic treatments, evidence-base programs and traditional recovery.
Traditional recovery programs use tools like group therapy, family therapy and individual counseling to help with long-term goals and address substance abuse. It also uses 12-step programs or similar tools to set up a healthy support network.
An evidence-based program will usually include traditional treatments, but it also offers more comprehensive plans for long-term recovery. For example, it uses tools like cognitive therapy and behavior modification to help individuals change the way that they think and behave in relation to an addiction.
Holistic programs take recovery one step further and treat the individual as a whole person. Although it does use evidence-based treatments and traditional treatments, it also offers tools like meditation, yoga and nutritional therapy to further encourage recovery. Holistic treatments can also use alternative therapies or offer medical treatments for any ailments that develop from substance abuse, so evaluate a policy to determine if a specific treatment is covered.
Regardless of the specific treatment program, consider a facility that offers detox services. Some substances have a high risk of health concerns, like alcohol or opiate medications, so a medically-supervised program can help with long-term goals.
Finding a Program
Hawaii offers a variety of tools and treatment programs to help with recovery and long-term health goals, but the best programs depend on the details of an employer-provided policy. For more information about treatment options in Hawaii, use the tools at RehabCenter.net today.