Rehab Centers That Accept Humana Insurance In Tennessee
The decision to enter rehab can weigh heavily on those struggling with substance abuse. The process can feel challenging physically, emotionally, and even financially. Thankfully, Humana insurance plans do offer coverage for residents of Tennessee who may be in need of substance abuse treatment. The amount of this coverage can vary, however, from plan to plan, even within the same company.
Humana Substance Abuse Coverage In Tennessee
For patients in Tennessee, there is currently one plan available from Humana. This plan is classified as a Bronze level plan. According to the insurance plan classification system, Bronze level plans will cover about 60 percent of a patient’s medical costs. These plans typically have lower premiums than Platinum, Gold, or Silver plans, which makes them easier to budget. When a patient does require coverage, however, the deductible, copayments, and coinsurance rates will be higher.
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Patients with Humana in Tennessee are allowed to see providers and use facilities are outside the network. This means that when a patient realizes that they need rehab, they can focus primarily on how well a particular treatment center fits their unique needs and trust that they will receive some coverage for just about any licensed rehab or provider.
Emergency Room Care
Unfortunately, for many patients struggling with substance abuse, trips to the emergency room may occur before recovery. Many substances are dangerous for users, and family members and patients should know that the Humana plan in Tennessee will pay 100 percent of emergency room costs after the deductible.
Inpatient And Outpatient Mental Health Care
Humana will cover 100 percent of the costs associated with inpatient and outpatient substance abuse treatment after you pay the deductible. This can an enormous relief for patients and their families as the stress of paying for extended rehab is alleviated. For example, some patients benefit from extended residential treatment facilities that keep patients for several months, rather than a few weeks.
Once the deductible has been met, patients will have all their treatment covered, making it easier for patients to receive the care they need, no matter how long it takes. For patients who go out-of-the-network, the insurance company will still cover about 75 percent, after the deductible.
Many patients going through rehab find that the experience can greatly benefit from certain alternative treatments, such as chiropractic care. This Humana plan will pay 100 percent after the deductible for certain types of alternative treatment, such as spinal manipulations.
It is common for patients going through rehab to need the assistance of medications. These drugs can help them cope with challenging detoxification and alleviate the symptoms of other mental illnesses. Thankfully, patients will have access to the National Rx Network for their pharmacies.
If they choose to use a pharmacy that is outside the network, they will have to pay for the medication upfront and submit a claim to Humana. Patients prescribed medications in rehab should discuss these arrangements with their provider to alleviate costs.
Inpatient and outpatient rehab can be an enormous benefit for patients seeking treatment for their substance abuse issues. These treatment centers pair patients with experienced, trained professionals who can help them address their problems and move towards a healthier lifestyle. Please contact us at RehabCenter.net to learn more about how Humana and drug rehab can help you obtain a life of sobriety.