Rehab Centers That Accept Humana Insurance In New York
Substance abuse harms personal health and wellness and changes the way that a loved one behaves. When a dependent loved one shows signs of substance abuse or a mental health disorder, recognizing the coverage available through Humana in New York helps determine the best course of action.
Humana Coverage Through Aetna In New York
Since Humana was purchased by Aetna, the policies available in New York state depend on the employer and the type of policies they provide. Generally, employers offer different policies based on the needs of the group and the goals of the employees, so most policies in New York offer basic or standard coverage for mental health and substance use disorders.
The basic coverage allows individuals to seek treatment in an appropriate in-network facility. Standard policies offer greater coverage and lower out-of-pocket costs when compared to a basic Humana policy, but it also has a higher monthly expense. In most cases, the policies allow individuals to seek treatment as long as they comply with the details in their plan.
In New York, Humana and Aetna policies are available through an employer. An employer determines the appropriate policy options, so the exact details will vary. Depending on the employer, the options for treatment and long-term recovery goals differ.
Appropriate Treatment Solutions In New York
The best treatment solutions in New York depend on personal goals as well as the basic coverage available through an employer. As a general rule, most policies offer some coverage for mental health disorders and substance use disorders, but the exact amount of coverage and the limitations in the policy vary.
Most treatment options fall into two main categories: inpatient and outpatient treatment programs. Inpatient require the individual to focus on recovery for a set amount of time without any outside influences. It generally works in a holistic or evidence-based manner to find realistic solutions based on personal goals. Holistic treatments offer solutions for mental health, physical health and emotional complications that contribute to substance abuse. Furthermore, it offers a variety of tools to address substance abuse.
Evidence-based treatments focus on proven treatment strategies like cognitive-behavioral therapy and counseling programs to help identify and treat the underlying causes of addiction. It also strives to adjust behaviors for better management of different concerns. In most cases, traditional treatments like group therapy and family programs are part of an evidence-based treatment plan and a holistic treatment plan. Outpatient programs also use evidence-based treatments and traditional treatments to help with recovery.
Regardless of the specific programs, most individuals must go through a detox service before focusing on recovery goals. Detox services eliminate the substance from the system so that an individual can focus on the next step of recovery.
Potential Policy Limitations
Since New York Humana policies vary based the employer, limits and exceptions in plans vary significantly. In most cases, limitations relate to the specific types of treatments the policy covers or limitations on the treatment facility. For example, some policies do not cover out-of-network treatments or cover a smaller percentage of the costs.
Limitations also relate to the duration of treatment, such as limiting inpatient treatment to 30 days in one year. Policies from Humana clearly state the limitations and exceptions to avoid confusion and ensure that individuals seek treatment in appropriate programs.
Getting The Help You Deserve
New York offers a variety of programs to address substance abuse and mental health disorders, but the best treatment option depends on personal goals and your insurance policy. To learn more about treating an addiction or mental health disorder, use the tools at RehabCenter.net today.