Rehab Centers That Accept Humana Insurance In New Mexico
When a dependent loved one shows signs of a mental health disorder or a substance use disorder, he or she needs to address the situation by working with a professional. The key to finding the right professional program for long-term recovery goals is working with Humana policies in New Mexico to identify in-network treatment plans.
Humana Offers New Mexico Residents Coverage Through Aetna
After being purchased by Aetna, Humana offers New Mexico residents coverage primarily through the relevant Aetna policies and through Medicare coverage.
The Humana Medicare policy offers basic coverage for most healthcare needs and preventative care. It helps with emergency detox services or overdose treatments, but doesn’t always cover inpatient care for substance use disorders. Thankfully, it usually covers outpatient detox.
People interested in Humana/Aetna coverage in New Mexico need to understand that it is offered primarily through employer-provided policies. In most cases, an employer-provided policy covers basic needs and offers standard coverage for most concerns. Aetna usually covers mental health disorders and substance use disorders, but the exact coverage amount and the details will vary based on the business and the specific policy.
Some companies offer comprehensive policies through Humana/Aetna that allow individuals to address an addiction or a health concern without worrying about a high out-of-pocket expense, but the comprehensive policies usually cost more on a monthly basis. In most cases, individuals must pay the deductible before the coverage applies to a treatment program.
Covered Treatment Options
Before entering any program, evaluate the treatment options and look for a personalized treatment plan. Generally, personalized plans offer the tools to address the addiction without taking unnecessary risks with personal health. Programs that take a holistic and evidence-based approach to recovery also help by offering several treatment options.
For example, a program can offer physical health treatments, dual-diagnosis treatments, and cognitive therapy to help with long-term goals. Evidence-based programs also offer behavior modification to adjust the way that an individual acts when temptations arise. Holistic programs can offer alternative therapies, like meditation and yoga.
Most programs also offer traditional treatment tools to address substance abuse. Counseling services and group therapy help individuals set up a healthy support network so that individuals accomplish long-term goals.
When treating an addiction to drugs or alcohol, consider a program that also offers a medically-supervised detox service. Since some substances have harsh withdrawal symptoms, a medically-supervised program helps reduce the potential health concerns and risks.
There Are Potential Exceptions
Using an insurance policy to help with the costs of addiction treatment makes it easier to find the right program, but individuals must be aware of potential exceptions or limitations in the plan. Generally, exceptions apply to specific treatments like acupuncture or massage therapy. Many policies do not cover the cost of optional treatments or experimental treatments. In some cases, the policy will also exclude out-of-network treatment programs and will only cover in-network facilities.
A limitation on a policy differs from an exception because it still allows the individual to seek treatment. The key with a limitation is that it sets a clear line about when to stop treatment. For example, a policy can limit treatment in an outpatient program to a set number of sessions, like 12 each year.
Alternatively, it can limit treatment in an inpatient facility for a set number of days in one year, such as 30 days each year. Pay attention to limitations to avoid complications with a personal budget.
Selecting A Program
The best program for substance abuse recovery depends on the goals of the individual. For more information about treatment options in New Mexico, use the tools at RehabCenter.net today. We can help you find the treatment you need to recover from your addiction.