Humana Insurance & Their Coverage For Drug Rehabs
Humana is one of the world’s largest insurance providers. As a result, many people have used them for a variety of medical treatments. But how are they when it comes to drug rehabilitation?
One of the least important parts of someone’s journey in escaping drugs is insurance. On the contrary, you won’t be able to continue your drug treatment process without insurance. With this in mind, we will go through the details on coverage from Humana.
Addiction And Humana
On Humana’s website, they have an article that addresses many of the concerns one may have. With this page, Humana makes it clear that you will need to refer to your evidence of coverage, benefit plan document, or contact member services. These are all pieces of advice we provided on our other posts on similar insurance companies.
Humana makes it clear that it does not want you to focus on the stigma behind drug abuse. It does have a list of supported treatments. As always, the first step for you will be to find a doctor.
Learn About Addiction Rehabs
If you speak to a doctor that begins to talk about addiction rehabs near you, your first inclination could be to steer the conversation away. There are a lot of reasons to be nervous about rehabilitation. But one of the most significant parts of engaging in this process is regaining your control. Below are some general pieces of information on most rehab facilities.
Leave Whenever You Want
When you picture a residential rehab facility, some people may think of a required six-month stay. While the doctors and nurses of any facility would love for you to complete your entire treatment, you are not required to stay. At any point, you can sign out at the front desk and return to your life. This process will change if the treatment is court-ordered.
Set Your Own Schedule (Sometimes)
There is a lot of structure that comes with a rehabilitation facility. But nothing happens without your say, meaning that you can decide your schedule. There may be limitations based on the availability of doctors, but any decision would have to be approved by you.
Short Rehab Stints (28 Day Centers)
Many residential rehabilitation facilities have 28-day programs that allow you to try the facility. After this period, it will be up to you and your progress on whether or not you want to stay. The professionals you work with will make recommendations based on what they see.
Humana's Coverage For Rehab
Rehabilitation coverage can take many forms. Below is a list of treatments that are on the Humana website.
Inpatient treatment requires you to stay at a hospital for a period longer than a day. There are out-of-pocket costs that you will be able to find on your policy’s contract. It is a commonly covered aspect of your health coverage.
Medically Assisted Treatment (M.A.T.)
Your health insurance will offer their pharmacy and medication with a high potential for copays, or partial payments for medicine. Typically, this is separate from any office visit payments you have to make. This treatment is to act with other types of treatment.
Therapy and counseling are also commonly covered by most coverages. They may be a “specialist” based on your coverage plan, meaning they will cost more than your typical doctor’s visit. To confirm this, you may wish to read your contract or reach out to a customer service specialist.
12 Step Fellowships
Twelve-step fellowships are a form of a peer group that may or may not have a cost depending upon the group. Often, they allow you to be there at any capacity you want. These are typically free, but there may be some membership dues depending on the organization. Again, this is something that generally is not covered.
What Does Humana Not Cover for Treatment?
There are two things worth mentioning in this section. First, you will need to find a doctor and a facility within your approved network. An in-network facility is a confirmed place where you know that you will be covered.
Those that are out of your network range will either require you to pay a more significant portion of costs or prevent coverage altogether. If you are concerned about how far your network reaches, please reach out to Humana directly.
Second, there is a wide variety of alternative treatments out there that people will endorse. The chances are that insurance is not going to pay for your essential oils bath or acupuncture treatment. However, there are some exceptions based on location. For further details, you will want to speak to your provider.
Benefits Of Finding The Right Treatment
To get started, you will want to use Humana’s “find a doctor” page. This page will link you up with someone who will be able to provide you with resources and recommendations. It includes finding the right rehabilitation plan for you.
When you and your doctor have a clear discussion, they will be able to find rehabilitation programs that fit your needs. With this effort, you will set yourself up for success.
Getting to The Best Place For You
The best place for you is not going to be the best place for everyone else. Nobody’s journey through treatment will look the same, which is why it is essential to be aware of your rights and options.
When it comes to insurance, having everything prepared and paid for is necessary. Fighting with your insurance company while you are battling drug addiction is the wrong place to be.
By having the conversations and being transparent in what you want, you can spend as much time as you want at a facility. With this, you will be able to develop a remarkable road to recovery.