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Does Humana Cover Drug Rehab? Short Answer is Yes

Published On September 9, 2024

Does Humana Insurance Plan Cover Substance Abuse Treatment in Arizona

Customer’s Question: “Does Humana Insurance cover Drug Rehab?”

Yes, Humana Insurance covers drug rehab under its behavioral health benefits. These benefits typically include a range of evidence-based treatments such as detoxification, inpatient rehabilitation, outpatient therapy, and counseling services. The extent of your Humana Insurance coverage depends on your plan type, whether you are accessing in-network or out-of-network services, and the specific substance abuse rehab facility.

Thank you for reaching out to Nirvana Recovery. If you’re considering enrolling in a Drug rehab center in Arizona, Our admission team is here for you. Understanding how the Humana Insurance plan supports your Substance abuse treatment in Arizona helps you decide whether it’s the right option for you.

Overview of Humana Insurance

Humana
  • Founded: Humana was established in 1961. It started in the nursing home care industry before expanding into the health insurance market.
  • Headquarters: Humana is one of the largest healthcare companies in the United States, based in Louisville, Kentucky.
  • Services Offered:
    • Humana offers various healthcare-related products, including Medicare Advantage, Medicaid, individual and family health plans, and standalone dental, vision, and hearing coverage.
    • Humana also offers life and supplemental insurance options.
  • Medicare and Medicaid: Humana is a major Medicare Advantage and Medicare Supplement (Medigap) plan provider, serving millions of beneficiaries. It also partners with states to provide Medicaid services in many regions.
  • Network: Humana has a broad network of over 350,000 medical providers and 3,000+ hospitals across the U.S.
  • Wellness Programs:
    • Humana Helps: A resource for people looking to understand the Affordable Care Act (ACA).
    • HumanaVitality: A rewards program promoting wellness, encouraging activities like blood donation, exercise, preventive screenings, and smoking cessation.
  • TRICARE Administration: Humana has administered the Department of Defense TRICARE program for over 15 years, focusing on healthcare solutions for military members and veterans.
  • Market Reach: As the third-largest healthcare company in the U.S., Humana serves over 13 million customers nationwide.
  • Plan Types:
    • Humana offers HMO, PPO, POS, and EPO plans, giving individuals flexibility in choosing their healthcare providers and coverage levels.

Humana’s long-standing commitment to providing various health insurance options and wellness programs makes it one of the top choices for individuals seeking comprehensive healthcare coverage in the U.S.

What Types of Drug Rehab Treatments Does the Humana Plan Cover?

Humana plans cover all types of Drug addiction treatment, including:

  • Stimulants Addiction Treatment
  • Depressants Addiction Treatment
  • Hallucinogens Addiction Treatment
  • Synthetic Drug Addiction Treatment 

Trusted rehab programs are designed to address the physical, psychological, and social impacts of drug addiction comprehensively. Below are the treatment programs typically included in a well-rounded rehab approach:

Treatments Typically Covered by Humana Insurance

  1. Detoxification (Detox):

  2. Medication-Assisted Treatment (MAT):
    • Coverage: Medications like methadone, buprenorphine, or naltrexone are often covered if they are deemed necessary for treating drug addiction.
    • Plan Type: Coverage may vary for Medicaid vs. Medicare Advantage plans.
  3. Inpatient Rehabilitation:
    • Coverage: Generally included, especially for severe drug addiction cases.
    • Pre-Authorization: Required for most plans.
  4. Outpatient Programs (IOP, PHP):
    • Coverage: Commonly covered, as outpatient care is considered effective for ongoing substance abuse recovery.
    • Network Providers: In-network care is typically covered more extensively.
  5. Individual Therapy (e.g., CBT, DBT):
    • Coverage: Evidence-based therapies like CBT and DBT are usually covered under behavioral health benefits.
  6. Group Therapy:
    • Coverage: Often included as part of outpatient or inpatient drug treatment.
  7. Family Therapy:
  8. Dual Diagnosis Treatment:
    • Coverage: Dual diagnosis treatment is generally included, especially if mental health services are part of your insurance plan.
  9. Relapse Prevention Counseling:
    • Coverage: Often included as part of ongoing outpatient treatment.
  10. Support Groups:
    • Coverage: While formal therapy sessions are covered, informal or community-based support groups (e.g., AA or NA) are not typically covered by insurance.
  11. Holistic Therapies (Yoga, Meditation, etc.):
    • Coverage: Holistic approaches may be covered if deemed medically necessary or included in an evidence-based treatment plan, but often not covered as standalone treatments for drug problems.
  12. Aftercare Programs:
    • Coverage: Extended outpatient services or follow-up counseling may be covered, but sober living homes are usually not.

Humana Plan-Specific Coverage For Drug Rehab

Humana Medicare Advantage Plans:

  • Comprehensive coverage for individuals aged 65+ or those with qualifying disabilities.

  • Coverage includes inpatient rehab, outpatient therapy, and behavioral health services.

Humana Medicaid Plans (AHCCCS in Arizona)

  • Covers a broad range of substance abuse treatments, including Substance abuse treatment 
  • Medicaid plans often provide extensive coverage, minimizing out-of-pocket expenses.

Individual and Family Plans

  • It must include coverage for substance abuse rehab under the Affordable Care Act (ACA).
  • Verify whether Nirvana Recovery is an in-network provider for reduced costs.

Should I Consider Buying a Humana Plan in Arizona for Drug Rehab?

If you don’t have insurance yet but are considering purchasing a Humana plan for your Substance abuse rehab treatment, here’s what you should know:

  • If you buy a Humana plan now, you can typically claim Substance abuse rehab treatment as soon as the policy becomes effective. ACA-compliant plans usually have no waiting periods or pre-authorization delays. Contact Nirvana Recovery to verify your coverage and ensure a smooth claims process.
  • Humana Medicare Advantage Plan: If you’re close to turning 65 or qualify for Medicare due to a disability, Humana’s Medicare Advantage plans will likely provide comprehensive coverage for your drug abuse treatment. It’s a solid option if you’re eligible.
  • Humana Medicaid Plans: If you qualify for AHCCCS (Arizona Medicaid), Humana offers Medicaid plans that cover all aspects of Substance abuse rehab treatment. Medicaid is one of the best ways to get affordable, often full coverage for Substance abuse rehab.
  • Medicare Supplement (Medigap) Plans: You must have Original Medicare (Parts A & B) to enroll in a Medigap plan. Medigap plans complement Original Medicare by covering out-of-pocket costs like deductibles and copayments for drug addiction treatment. However, these plans do not cover additional services beyond what Original Medicare offers.
  • Humana Individual and Family Plans: If you’re under 65, purchasing a Humana individual or family plan could give you comprehensive coverage for drug addiction services.

Steps to Verify Your Drug Abuse Treatment Cost Coverage with Humana Insurance in Arizona

Verifying your Substance abuse rehab coverage with Humana Insurance ensures you understand your benefits and any potential out-of-pocket costs. Follow these steps to confirm your coverage:

Step 1. Contact Humana’s Customer Service

  • Call the Customer Service Number printed on your Insurance card. Alternatively, you can also call Humana’s general line at 1-800-457-4708.
  • Ask Specific Questions:
    • Does my plan cover drug rehab treatment?
    • Are inpatient, outpatient, detox, or counseling services included?
    • What are my co-pays, deductibles, and co-insurance for Substance abuse treatment?
    • Does my plan require pre-authorization for treatment?

Step 2. Check Humana’s Online Member Portal

  • Visit Humana’s website or use their mobile app to access your member portal.
  • Search for “Behavioral Health” or “Substance Abuse Treatment” under your benefits section. Confirm coverage for drug rehab services like detox, therapy, and inpatient care.
  • Ask Humana to email or mail a detailed breakdown of your rehab benefits. Keep this document for reference throughout your treatment journey.

Step 3: Double-Check Coverage Limits

  • Some plans may cap the number of therapy sessions or total costs covered. Check on the coverage limits. 
  • Understand Possible Costs like Co-pays, deductibles, and co-insurance responsibilities.
  • Ensure you have pre-authorization (if required) and a full understanding of your coverage before beginning treatment.

Potential Out-of-Pocket Costs With Humana Insurance

Even if Arizona Humana covers your SUD treatment, you may have some out-of-pocket expenses. Here’s what you might need to consider:

  • Co-payments: These are fixed amounts you’ll need to pay for therapy or doctor visits.
  • Deductibles: You need to pay out-of-pocket before your insurance starts covering costs.
  • Co-insurance: Refers to a percentage of the treatment cost you may need to cover, even after meeting your deductible.
  • Out-of-Network Costs: If Nirvana Recovery is out-of-network, you may need to cover a higher portion of the treatment cost.

We can help you understand these costs based on your specific plan.

What If Nirvana Recovery Is Not In-Network with Arizona Humana Insurance?

If Nirvana Recovery is not in-network with Humana, you can still receive drinking addiction treatment here. However, here’s what you should know:

  • Out-of-Network Coverage: Depending on your Humana plan, you may still have partial coverage for out-of-network services, though at a lower rate. You can contact Humana to understand the exact benefits of out-of-network care.
  • Negotiating Payment Plans: Nirvana Recovery offers flexible payment options and can help you set up a payment plan to make addiction treatment more affordable.

Financial Assistance: We can help you explore other financial assistance programs available to offset drug addiction treatment costs.
Verifying Benefits: Our admission team can help you verify your specific Humana coverage and understand your financial responsibility before Substance abuse treatment begins.

Other Health Insurance Options for Arizona Residents

f you’re an Arizona resident not connected to federal employment and are looking for health insurance, here are several options to consider:

Government Programs

Arizona Health Care Cost Containment System (AHCCCS): Arizona’s Medicaid program for low-income individuals and families.

Medicare: Available for residents aged 65 and older or those with qualifying disabilities.

Conclusion: How Nirvana Recovery and Humana Can Help

At Nirvana Recovery, we are committed to helping you through every step of your recovery process. We understand that navigating insurance can feel overwhelming, but we are here to make it as simple as possible. Ensuring that this part of your recovery is sorted beforehand can alleviate some of the worry about the process.

Nirvana Recovery offers a broad selection of specialized treatment programs tailored to various substance abuse disorders, including:

  • Methamphetamine (Meth) Addiction Treatment
  • Heroin Addiction Treatment
  • Prescription Drug Addiction Treatment (e.g., opioids, benzodiazepines)
  • Cocaine Addiction Treatment
  • Marijuana Addiction Treatment
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