Humana Drug and Alcohol Treatment Coverage
Humana offers coverage for detox and rehab through a variety of employer, Medicaid, Medicare, and TRICARE plans. Learn more here
Takeaways from this article:
Humana drug and alcohol treatment coverage
Check your Humana plan details
How to find rehabs that accept Humana
Does Humana Cover Rehab?
Like most insurance plans, Humana insurance plans cover some form of substance abuse treatment as the Affordable Care Act of 2010 requires insurance providers to provide addiction treatment as an essential benefit. However, the amount your Humana plan will pay for detox or rehab will depend highly on the type of plan you are enrolled in.
How to Use Your Humana Plan
In order to use your Humana coverage for addiction treatment, you’ll need to check your benefits, gather any documentation required under the terms of your plan, and find a treatment center that accepts Humana coverage.
Many detox and rehab centers are able to check your benefits quickly and explain your benefits to you. While this may be convenient, you should always confirm with Humana before attending treatment. To check with Humana directly on the details of your plan, you can:
- Call Humana member services directly
- Login to Humana’s online member services portal
Next, you’ll need any documentation required by your plan before admitting to treatment. The most common documentation required is known as “prior authorization.” In short, like most insurance providers, Humana will have to approve a specific treatment or medication before it is covered.
If you understand your benefits and have the documentation you need to begin treatment, the next step will be finding a treatment center that accepts Humana. For more questions about how to find a treatment center that accepts Humana in your state, select your state from the list below.
Types of Humana Plans
Humana has private insurance plans that are offered through some employers.2 These are generally standard healthcare plans that require you to pay a deductible and then 20% of the remaining cost of a rehab stay. Like most plans, if you go through the Humana rehab provider network, your costs are generally lower. If you chose to go outside of the network, you may pay significantly more for rehab and detox. Some employers may offer lower-cost plans with higher deductibles, while others may offer higher premiums with lower deductibles and co-pays.
Medicare and Medicaid
Humana also offers Medicare advantage plans. These plans vary from one state to another in terms of medical cost coverage and the amount of co-pay for hospitalization. For example, in South Carolina, the Humana Gold Plus Plan for Medicare requires that you pay $465 per day for the first 4 days of inpatient treatment by in-network providers who accept Medicare, with no further payment for up to 90 days. Another Medicare plan, the Humana Choice PPO, requires you to pay $298 for the first 7 days of inpatient treatment at a Medicare-approved rehab facility or hospital, and nothing after that. However, in California, the Humana Gold Plus Plan has no co-pays for hospital stays. The Humana Value Plus plan requires that you pay $480 per day for the first 3 days and then nothing after that.
Humana is also a provider of managed Medicaid plans in Florida, Illinois, and Kentucky. Under these Humana plans, rehab providers who accept Medicaid will cover most of the cost of rehab or detox.3
If you are covered under TRICARE, your program is managed by Humana Military in the eastern section of the United States. Tricare coverage varies from one type of Tricare plan to another. Under Tricare Prime, for example, you would have no out-of-pocket costs for outpatient or inpatient rehab or detox at an approved provider facility.
Check Your Coverage Now
If you still have questions about the cost of treatment after using your Humana coverage, many rehab centers offer confidential substance abuse or detox hotlines dedicated to answering questions. Some rehab providers, like American Addiction Centers, allow you to check your coverage at their facility online. To see if your Humana plan is accepted at AAC, complete the form below.