Rehab Centers That Accept Humana Insurance In Missouri
You’ve made the important decision that you want to enter a rehab facility or visit a health professional to work on the recovery process from drug or alcohol abuse or addiction. Now that you’re working on the details, such as finding the right professional or facility, work health insurance into your decision-making process. A health insurance plan can cover part of the cost of your substance abuse, mental health and behavioral health treatment to make a program better fit your budget. Insurance can also shape where you decide to go, because you might want to choose one facility over another if your insurance company’s network covers it.
Look to Humana in Missouri for a broad network of providers that can offer you high-quality treatment. This way, you’ll receive the support you need at a reduced price.
Humana Plans In Your State
Humana offers PPO plans to Missouri residents at different levels based on how much your monthly premiums are compared to how much coverage you get. Expect to pay more for better coverage with gold and platinum plans, and to pay less for a lower portion of care covered with bronze and silver plans. These PPO plans give you the option to visit network professionals and facilities for a lower price or to visit anyone outside the network at a higher cost. So you have the ability to see any provider you want, yet you can keep your costs down by staying within the Humana network.
In each plan’s name, you’ll see the deductible for an individual who uses network providers. The deductible is higher for a family, as well as for individuals and family who choose non-network providers. No matter which plan you like best, it will cover the substance abuse treatment you need, in addition to mental health treatment if you have a dual diagnosis. To get around paying a fee, you usually need to get your inpatient care approved by Humana before you start it; this is the case with all of Humana’s plans.
In your state, you can choose from one plan within each of the four levels and a catastrophic plan. The catastrophic option is the Humana Basic 6600 plan. Once you’ve paid your deductible, you don’t have to pay anything if you stay in the network for outpatient or inpatient care for substance dependency or mental health treatment. Outside the network, your cost is a 25 percent co-insurance.
The various levels start with bronze at the low end. The Humana Bronze 6300 plan covers in-network inpatient and outpatient substance abuse and mental health care at no charge to you. Non-network care costs a 25 percent co-insurance. The next level up has the Humana Silver 4600 plan. With this plan, you pay a 20 percent co-insurance for both outpatient and inpatient treatment services in the network. Outside the network, your co-insurance doubles to 40 percent.
Go another level up, and you have the Humana Gold 2500 plan. This plan costs a 20 percent co-insurance for network inpatient facilities and outpatient treatment programs. You pay more for non-network ones, with a 40 percent co-insurance. The highest level is the Humana Platinum 1000 plan. This plan has the same co-insurance amounts as the gold option but with a smaller deductible amount.
When you sign up for any of these Humana health care plans, you have the extensive Humana network at your disposal. The network includes counselors, psychiatrists and psychologists, and plenty of other professionals and inpatient facilities. This allows you to choose from many offices and rehab centers to find one that will fit you best, while benefiting from better plan coverage when you stay in the network. Nonetheless, this plan will also help you pay for out-of-network providers, so you have even more options.
With your plan, you will be able to take part in counseling, detoxification and other types of care depending on your specific needs. Nonetheless, you should check with Humana for pre-approval to make sure they cover the treatment you want and to avoid unnecessary fees.
When you factor insurance in with your planning, it can help you reach your goal of a substance-free life.