Rehab Centers That Accept Humana Insurance In Oklahoma
Humana is one healthcare provider that offers residents both individual and family plans in the state of Oklahoma. These plans are divided up into three categories, most of which cover inpatient substance abuse treatment. When it comes to overcoming serious drug or alcohol issues, inpatient treatment is widely considered to be the best course of rehabilitation.
This is because it offers around-the-clock care as the individual commits to a treatment program of 30, 60, 90, or even 120 days in an effort to get healthy and stay free and clear or drugs and/or alcohol. Outpatient treatment, on the other hand, requires a person to be much more disciplined, which isn’t always easy when the one is challenged by drug or alcohol issues.
Due to the intensive therapy involved, inpatient treatment typically costs more than outpatient treatment. For many, these costs can be too much, leading people not to receive the proper care that they need. And that’s exactly why a quality healthcare plan from Humana is so important for Oklahoma residents who suffer from addiction.
Humana in Oklahoma – Three Plan Types
In Oklahoma, Humana classifies its healthcare offerings into three different plan categories – Silver, Bronze and Basic. These plan categories vary in how much is covered versus how much you pay out of pocket. The plans also differ when it comes to their premium costs.
For example, Silver category plans are the best healthcare plans offered to Oklahoma residents in terms of medical coverage. Most come with small deductibles, which means members pay less. But Silver plans also come with higher premiums than Bronze or Basic plans.
Oklahoma Humana Rehab Center Insurance Coverage
One plan offered to Oklahoma residents is the Bronze 6300 ChoiceCare PPO, a high-deductible plan with an annual $6,300 individual deductible. Inpatient rehabilitative treatment, however, is covered 100 percent after the member meets the deductible.
Another popular Humana plan is the Silver 4250 ChoiceCare PPO, which carries an annual individual deductible of $4,250. Like the aforementioned bronze plan, it also covers inpatient mental health and substance abuse treatment, but members are required to pay 20 percent of the costs even after they’ve met their deductible.
One notable factor to consider when weighing healthcare options is the potential length of treatment. For instance, if an individual is entering a treatment facility for 120 days, the high-deductible plan is an ideal option, as the member will save money long-term. For those that require a shorter stay, a plan that requires personal costs after meeting a lower deductible may be a better option.
Contact Us Today
With Humana insurance coverage, the cost of such treatment doesn’t have to be a prohibitive factor. For more information on Humana healthcare plans in the state of Oklahoma, and other insurance options and plans, visit us at RehabCenter.net to speak to a counselor who understands the problems you are facing.