Rehab Centers That Accept Humana Insurance In South Dakota
One of the largest insurance providers in the country, Humana, offers health insurance to South Dakota residents via group plans purchased by employers. If your or someone you love is suffering from drug addiction, they can help you pay for a portion of the expense for drug treatment. The amount that Humana pays for its customers depends on the plan. They tend to customize programs based on the needs of the employer and staff.
About Humana Group Insurance Plans
Humana offers group plans to employers in South Dakota who have more than 50 employees. The exact benefits depend on the plan your employer chooses and the agreement they make with the insurance company. Humana has a vast portfolio of plans to choose and ,ost will cover at least a portion of drug treatment costs.
Humana Total Health
The Humana Total Health plan is a comprehensive package that focuses on wellness and long-term health. This program specifically mentions mental health, so it will likely pay for at least part of the expense for detox and rehab. They work with employers to help members make smart lifestyle choices..
High Deductible Health Plan
In order to bring down the cost of monthly health insurance premiums, Humana offers a high deductible plan. This allows employers to provide a corresponding health savings account. With this plan, you may be required to meet the deductible before the company pays towards drug treatment. This would be money you take from your health savings account. Many employers choose this option to lower costs and then contribute some of what they save towards the employee pretax health savings account.
Health Maintenance Organization
Health Maintenance Organization, or HMO, plans require you to stay in network for most treatments and to get a referral from your primary care provider. With this plan, your primary care physician would need to consider drug treatment medically necessary in order for Humana to pay for all or part of the expense. The company may also require you to select a treatment facility, either residential or outpatient, that partners with Humana to keep the costs down. Going outside of their network may mean they pay less towards the bill or may even refuse to pay any of it.
If your group plan offers Humana Classic, you pick your own physician and treatment facility. Humana will pay at least a portion of your care expense no matter what rehab center you select. While they’re still likely to pay more if you stay in the network, Humana Classic opens up your treatment options to providers outside of your network.
Humana Simplicity avoids deductibles by centering around copayments. In other words, you take responsibility upfront for at least a portion of the cost of your drug treatment. It may be a flat fee for each office visit or for the hospital stay during detox. It may also be a percentage of the overall cost. The amount will depend on the policy your employer selects.
What Humana Pays For Drug Rehab And Detox
In South Dakota, Humana will cover at least a portion of drug treatment, including detoxification, inpatient care, outpatient care, and aftercare services. The exact coverage depends on:
- The plan you choose
- Whether treatment is a medical necessity
- Whether you stay in network for treatment
- The type treatment you need – inpatient or outpatient
Humana may also require you to get pre-authorization before getting treatment. This ensures the company approves the expense before you enter a program.
South Dakota residents have insurance options that will help them find sobriety. Humana may be one of them. A group plan from Humana is a good option if you are in need of drug rehab this year. However, if you need help sorting through your options or just need to hear a friendly voice in a time of need, please contact us at RehabCenter.net.