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  • Take the First Step in Las Vegas

    Desert Hope is a beautiful oasis with modern charm located in Las Vegas, Nevada. We provide all levels of care from detox, in-patient, outpatient and sober living.

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  • A New Life Awaits

    Start your recovery at our spa-like facility in the Dallas-Ft. Worth area. Holistic therapies, chef-prepared meals, and LGBTQ+ support are among the many features of our premier drug and alcohol treatment program.

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  • The Best Place to Recover in Orange County

    Laguna Treatment Hospital is located in Orange County, CA. The first Chemical Dependency Recovery Hospital in the OC, we offer safe medical detox, mental health support, and wellness programs.

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  • Start Recovery at Our Southern Resort

    Take a step back from your life and get the help you need at our premier drug and alcohol addiction center. Nestled in the countryside 1.5 hours from Memphis, Oxford gives you the support you need in a calm and beautiful setting.

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  • Recovery Forecast includes Tropical Weather

    Your recovery can start at either of two premier drug and alcohol treatment facilities in the Greater Miami area - Fort Lauderdale and Hollywood, FL. Our specialties include treatment for veterans and first responders.

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  • Sunny Florida Welcomes You

    Retreat to the sunny climate of Tampa, Florida for a stay at the standard of treatment facilities in Tampa, FL. We offer customized care plans to help you on your recovery journey.

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  • Helping New Englanders Find Recovery for Over 30 years

    Escape to the countryside to recovery in New Jersey’s premier drug rehab & treatment center. Located only an hour from New York City.

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Choosing the right Humana insurance for rehab plans

Whether you’re seeking treatment for substance abuse, alcoholism, nicotine-dependency or other mental illnesses, Humana offers quality coverage for behavioral therapies. Regardless of your choice in HMO or PPO, you’ll be able to find help with anything from short-term outpatient therapy to long-term residential care. In order to get comprehensive Humana insurance for rehab, begin by determining your eligibility and then deciding which plan to go with.

Are You Eligible for Humana Substance Abuse Coverage?

Humana classifies substance abuse under behavioral health, which is considered a specialty benefit along with dental, vision and life insurance. No longer is behavioral health coverage considered second-tier, thanks primarily to the Mental Health Party and Addiction Equity Act that went into effect in 2010. Now, Humana and other insurers can’t restrict your visitations or costs like before.

However, not all insurance sponsors (i.e. your employer) are required to provide access to behavioral health coverage. If your employer has fewer than 50 employees, or is fully self-funded, or would incur a 2% cost increase in the first year of paying for behavioral health coverage — it can opt-out of providing this coverage to you.

If You Are Covered

If you’re a government employee, you most likely have access to Humana insurance for rehab. However, state and federal rules are different, so you will have to check with your employer or insurance sponsor if you are in a state that prevents the federal government from mandating this kind of coverage.

If all is well, you may have the choice between an HMO and a PPO. A Health Maintenance Organization is an economical choice, but if you’re an addict who needs immediate treatment, you may have trouble accessing a specialized care facility quickly, barring an emergency room visit. With a Preferred Provider Organization, you won’t be obligated to make an appointment with your primary care physician, but you will still need prior authorization (probably from the insurance company) before getting expensive therapy. You can also get better out-of-network coverage (though it’s expensive either way).

If You Are Not Covered

You should look into supplemental coverage options to fill in the empty coverage areas. Addicts often find rehab to be much more successful when they enter full-time hospitalization or residential care environments. These are very expensive without any kind of help from Humana.

Humana supplemental insurance can cover procedures without a physical examination. Also, you can get coverage after the date of your policy, which is helpful to prevent against relapses. On top of that, you don’t have to coordinate your current benefits, supplemental will exists as its own entity.

Ensuring Coverage in the Future

If you need to miss time at work or school for your rehab or detox, there are options available to you for extending your coverage beyond the limits imposed by that employer or insurance sponsor. However, finding the right Humana insurance for rehab is a very complex process. Fill out the simple form below to get answers to your most confusing questions.

About The Contributor
The editorial staff of Recovery First is comprised of addiction content experts from American Addiction Centers. Our editors and medical reviewers have over a decade of cumulative experience in medical content editing and have reviewed thousands... Read More