Rehab Centers That Accept Humana Insurance In Massachusetts
Personal behavior and activities impact the lives of loved ones, particularly when a dependent family member abuses drugs or alcohol. Substance abuse changes a loved one’s behavior and causes complications within the family. Furthermore, an addiction causes physical ailments and contributes to the development of mental health disorders, so a loved one needs treatment when he or she shows signs of substance abuse. By working with a Humana policy, an individual or family can make positive changes to a personal lifestyle.
Treatments for Addiction
The best treatment programs for an addiction in Massachusetts will depend on the needs of the individual. Generally, a policy that offers personalized treatment plans will help address the underlying causes of substance abuse.
While personalized treatment plans help address the situation, individuals also want to enter a program that offers several tools for substance abuse and mental health disorders. Holistic treatment programs, which address substance abuse by looking at the entire person and their situation, help with recovery goals by working on mental health, physical health and emotional well-being. The programs use tools like yoga, meditation, nutritional therapy and treatments for physical ailments to help with long-term goals.
Evidence-based programs use tools like cognitive therapy and behavior modification to further adjust an individual’s actions and improve the situation. When combined with holistic or alternative therapies, the evidence-based treatments allow individuals to make changes that last for a lifetime.
Most programs for substance abuse offer traditional treatments for an addiction. Using tools like counseling and group therapy allows an individual to work with peers and set up a healthy support network that carries forward after treatment.
Although the best programs offer a variety of tools, most individuals want to enter a facility that also offers a medically-supervised detox service. By using a medically-supervised program, individuals have the tools to avoid severe health concerns while detoxifying the body from drugs or alcohol. It reduces the risk of severe health concerns so that an individual can focus on recovery goals.
Coverage Through Humana
In Massachusetts, Humana offers coverage through Aetna policies and Medicare. The Medicare coverage handles most health concerns when individuals qualify for the coverage; however, many individuals also opt to add to the basic coverage for more comprehensive treatment solutions.
Aetna policies in Massachusetts depend on the needs of a group or an employer rather than an individual. Since the policies are provided by an employer, the exact coverage varies significantly between plans and companies.
Most employer-provided policies offer basic and standard coverage solutions. A basic policy usually costs more due to higher deductibles and out-of-pocket rates; however, it also has the lowest monthly costs. For example, a basic policy might only charge about $100 to $150 per month, but can have a high deductible of roughly $4,000 to $6,000 per year. A standard policy generally covers mental health treatments and addiction recovery, but it has a higher monthly cost when compared to a basic policy and it has a mid-range out-of-pocket expense. Monthly costs for a standard policy might range from roughly $150 to $250 per year, depending on the policy.
Coverage also depends on the policy. For example, some policies will pay for 60 percent of the treatment costs while other options can pay for 80 percent of the costs. Pay attention to the co-insurance rates to determine the exact coverage in any specific policy.
Some employers offer more comprehensive coverage options; however, the details of the policies vary. In most cases, comprehensive policies cover the cost of treatment in a residential or outpatient program, but some policies will set limitations or requirements on the treatment facility. For example, it might not cover out-of-network treatment programs.
Exceptions in Humana Policies
Coverage for substance abuse and mental health disorders in Massachusetts depends on the details of any policy. Humana or Aetna policies through an employer can set limitations on the coverage standards. For example, a policy can limit coverage for out-of-network treatments or the duration of treatment in a professional program.
Exceptions refer to any treatments that the policy does not cover. For example, acupuncture or massage therapy is not usually covered by a Humana policy, even if it is available in an addiction treatment facility. Read the policy for details about any exceptions or limitations that apply to the specific plan to avoid high-cost treatments or unexpected charges.
Treating Addiction in Massachusetts
The treatment options available in Massachusetts for substance abuse or mental health disorders allow individuals to focus on long-term recovery goals; however, an insurance policy from Humana or Aetna provides the foundation to find the right treatment facility. To learn more about treating an addiction to drugs or alcohol in Massachusetts, use the tools at RehabCenter.net today.