Rehab Centers That Accept Humana Insurance In Wyoming
If you are a resident of the High Plains state of Wyoming, you have a number of insurance choices. Humana is one of the largest insurance providers in the country and they offer group insurance plans in the state to employers with more than 100 employees. If you are lucky enough to qualify, they can help you pay for drug detox and rehab.
About Humana Group Insurance Plans
Humana has a tiered structure for group insurance plans through an employer. The exact benefits depend on the plan your employer purchases and not all plans are available in the state. Thankfully, the company works with large employers to come up with customized coverage options for primary insurance or supplemental care.
Humana Total Health
In Wyoming, Humana offers the Total Health plan to large employers. This plan focuses on wellness and long-term health, including mental and emotional well being. If you have this plan, whether it is your primary health insurance policy or a supplemental program, they provide services that can help determine if you need drug rehab.
High Deductible Health Plan
The High deductible Health Plans through Humana work conjunction with an employer-sponsored health savings account. By integrating a large deductible into these plans, the provider is able to offer lower monthly premiums. To offset the large deductible, your employer may offer a health savings program that allows you to make pretax deposits. In some cases, the employer may contribute to the plan, as well.
If you need to meet the deductible before getting certain services such as drug rehabilitation or in-hospital detox, you draw from the health savings account.
Health Maintenance Organization
HMO plans for Humana allow you to choose a primary care physician from the network to coordinate all your health care including drug treatment. If you are contemplating drug rehab, this will likely mean you need a referral from the doctor for the insurance provider to pay all or a portion of the costs.
Humana also offers a plan that allows you to pick your own physician and treatment facility. If your employer purchases one of these plans, you will not need to worry about getting a referral or staying in network for treatment.
Humana Simplicity is for people who don’t want to deal with a deductible. This plan is structured around copayments. For drug treatment this means you would be responsible for a certain amount of your care cost. The amount would depend on the arraignment the provider has for the group plan.
What Humana Pays For Drug Rehab and Detox
Humana will require you pay a specific amount of your overall health care costs each year, including drug rehab expense. They may also limit the amount of time you can spend in a drug treatment facility. Some plans will only cover the cost of medically-supervised detox for up to three days. Others will allow for an extended stay in a residential treatment facility.
What Humana pays will depend on:
The insurance plans your employer negotiates with the company. The medical necessity of care – does a doctor deem rehab, especially inpatient care, a medical necessity?
The type of treatment you require
As with most insurance programs, it is important to research your benefits prior to getting treatment for yourself or someone you love. This allows you to make the necessary plans to cover your portion of the expense and to know whether you need to stay in network for care or if you can use any facility.
It is always a good idea to get precertified for rehab treatment. It is not always necessary, but if you make the attempt, then the company can verify whether they require it or not. Many insurance providers will refuse to pay without prequalifing the expense.
If your employer offers Humana insurance, your benefits will cover at least part of substance abuse treatment. How much and for how long depends on the policy. Talk to us at RehabCenter.net to learn more about what your insurance will cover.