As one of the largest health insurance providers in the country, Humana serves over 20 million customers throughout the United States.1 Humana offers a wide variety of policies and plans to meet the unique needs of each of its customers. While all Humana plans cover addiction treatment/drug rehab to some degree, the amount of coverage varies significantly among plans.
To learn more about your Humana coverage for rehab and addiction treatment, call the number on the back of your insurance card to discuss your policy and what is covered. Alternatively, you can call us at _ to talk with an admissions specialist, and we’ll verify your insurance while you’re on the phone to determine what costs are covered.
What Will Humana Insurance Cover?
Several factors determine what addiction treatment and rehab services Humana will cover. It will depend on your individual plan details, where you are looking to receive treatment, and the type of treatment being sought.
If Humana is your health insurance provider, your policy may cover the following services for addiction treatment:2
- Medical detox: Stopping the use of drugs and alcohol can cause withdrawal that has both physical and mental impacts. Medications are used to help you safely stop using. Humana may cover medical detox when it has been deemed medically necessary.
- Inpatient or residential rehab: Live-in treatment programs give you the opportunity to live at the treatment facility and receive 24/7 care and attention as you learn to be sober. Most people stay at inpatient rehab centers for 30–90 days, depending on their needs.
- Partial hospitalization programs (PHP): Sometimes referred to as “day treatment,” these intensive programs allow you to live at home throughout the treatment program. Your days will be spent at the treatment facility, where you participate in therapies and programs to support your recovery.
- Intensive outpatient (IOP): IOPs are an option for those who have completed residential drug and alcohol treatment and would like ongoing support. Most IOP programs involve attending treatment meetings and therapies approximately 3–5 evenings a week.
- Outpatient rehab/therapy: Outpatient rehab means you can live at home but must go to the treatment center approximately 10–12 hours a week in order to complete the program.
As a Humana customer, you have the option of purchasing a separate substance abuse coverage plan if your current plan does not include it. All services and treatments must be deemed medically necessary in order for coverage to kick in. This means you may need pre-authorization to attend rehab or addiction treatment before your insurance will contribute to the cost.
It’s important to check what is covered by your plan ahead of time to avoid any surprises. But for some peace of mind, know that at least some of your rehab and addiction treatment will be covered by your Humana plan.
Does Humana Insurance Cover Mental Health Care?
Mental health conditions such as depression, anxiety, post-traumatic stress disorder, and other mood disorders are common among people with a substance use disorder. More than 8 million adults age 18 or older have a mental health condition along with substance use disorder. This is known as a co-occurring disorder or dual diagnosis.3
If you are seeking treatment for substance use disorder and have a dual diagnosis, it’s important that both conditions are treated in tandem. Treating one and not the other isn’t the best approach to supporting your long-term recovery and sobriety.
Mental health and substance abuse treatment are now considered to be essential health benefits. Thanks to the Affordable Care Act, all marketplace plans—including Humana plans—must cover some of these costs for people seeking treatment. This ensures that help is available to anyone who needs it. All health plans in the marketplace must cover behavioral health treatment (e.g., therapy, counseling), mental health inpatient services, and substance use disorder treatment.4
How Long Does Humana Insurance Cover Rehab?
Every person’s story with addiction is unique, and there is no single length of time for treatment. How long you stay in treatment is up to you and your medical and mental health needs. That said, the longer you stay in treatment, the better your chances are at long-term recovery. Longer stays in drug and alcohol addiction rehab with continuing care post-treatment lead to better outcomes including long-term sobriety and wellness.5
Each rehab center will have different lengths of stay, depending on the facility and your particular needs. Treatment programs typically last as follows:
- 30-day program
- 60-day program
- 90-day program
- Extended programs, including halfway houses and sober living facilities
Your particular insurance plan dictates what is covered in rehab and how many days your coverage lasts. Call the number on the back of your Humana insurance card to learn what is covered and how long you can stay. Most insurance companies have a deductible that must be reached before insurance coverage kicks in.
It is worth mentioning that the duration of your stay should be dependent on what you need, not what your insurance covers.
What If My Humana Policy Does Not Cover Heroin Rehab?
Depending on the plan you have, some of your heroin addiction rehab treatment services may not be fully covered by Humana. This means you would be responsible for any costs not covered. Additionally, you may have a deductible to meet and copays for the services and treatments you receive.
If your Humana insurance policy does not cover all of your rehab expenses, don’t let that stand in the way of your recovery and sobriety. There are options available to make rehab accessible to everyone who needs it. Many rehab centers offer payment plans, so you can pay back your out-of-pocket costs over time. Some facilities offer scholarships and grants to help offset your costs.
Getting treatment now is more important than waiting until you have insurance coverage or have the means to pay in cash. There’s no doubt about it: drug and alcohol treatment and rehab save lives.
Humana In-Network vs. Out-of-Network Rehab Centers
You have likely encountered a lot of language around in-network and out-of-network rehab facilities as you search for a place for you or your loved one to go for treatment.
In-network means that at particular rehab facility has an agreement with Humana to offer care to individuals at a lower rate than other providers/centers. American Addiction Centers has a partnership with Humana for many of our facilities in the United States.
Out-of-network facilities do not have an agreement with Humana, and therefore may not be covered at all. If you choose an out-of-network facility, this likely means your out-of-pocket expenses will be higher than if you chose an in-network facility.
Humana may cover out-of-network treatment facilities in some cases—for example, if there are no in-network facilities in your area, or if you belong to an underserved population (e.g., veterans) and require specialized treatment at a facility that serves this particular population.
It’s best to choose an in-network facility whenever possible to help offset your costs of rehab and keep your out-of-pocket expenses lower.
Check Humana Coverage for Addiction Treatment
Verifying your insurance and what’s covered can give you financial peace of mind before entering rehab. Verify your insurance before choosing a rehab center by calling the number on the back of your insurance card to learn what is covered.
At American Addiction Centers, we are happy to verify your insurance coverage for you. Complete the form below to learn what is covered. Or, call our helpline at [phone] to speak to a person who can check your benefits right while you’re on the phone.
(2021). About Humana insurance company.
Center for Behavioral Health Statistics. SAMHSA – Substance Abuse and Mental Health Services Administration. (2017). Key substance use and mental health indicators in the United States: Results from the 2016 National Survey on Drug Use and Health.
gov (2021). Mental health and substance abuse coverage.
National Institute on Drug Abuse. (2021). Principles of effective treatment.