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Humana Insurance is one of the largest health insurance companies in the United States, covering approximately 16.8 million people in 2020.<sup>1</sup> If you have Humana insurance, you are covered for preventive care, mental health, addiction, and rehab services. These are defined by the Affordable Care Act (ACA) as essential health benefits, which mandated that all permanent health insurance plans provide at least some level of coverage.<sup>2</sup> Specific benefits depend on your plan and location. Learn more about what types of services may be covered at AlcoholRehab through your Humana insurance plan.
<h2>Humana Insurance Coverage Plans for Alcohol Rehab</h2>
Humana insurance offers a wide variety of public and private health insurance plans. The coverage specifics and cost-sharing requirements (e.g., copays, deductibles, and out-of-pocket maximums) will vary greatly. However, every Humana plan—unless it is a grandfathered plan per the ACA—must offer coverage for rehab and mental health services (e.g., substance abuse disorder services and behavioral health treatment).<sup>3</sup>

Humana provides private plans as well as Medicare and Medicaid plans. Learn more about the types of plans below.
<ul>
 	<li><strong>Private plans:</strong> Typically offered through an employer, private Humana plans vary widely in design and coverage structure. The most common types of Humana plans are HMOs and PPOs. According to Humana's website:<sup>4</sup>
<ul>
 	<li>Health maintenance organizations (HMOs) typically offer subscribers lower monthly premiums and out-of-pocket costs. However, you must see your primary care doctor first to receive a referral for any other type of care. You also are limited to seeing providers only within your network if you want insurance to cover the cost. For example, if you wanted to receive care for a substance use disorder, you would need to make an appointment with your primary care doctor first. He or she would then refer you for treatment.<sup>4</sup> One advantage of an HMO is you will likely never have to file an insurance claim.</li>
 	<li>A preferred provider organization (PPO) is similar to an HMO in that you must use in-network providers and facilities to keep your costs low, but you do not necessarily need to see your primary care doctor to coordinate all of your care. In addition, you may be covered for a portion of visits to providers outside of your network. With a PPO, your provider will submit a claim to Humana, which will then determine what portion of the claim you owe based on your deductible, in- vs. out-of-network care, and out-of-pocket maximum.<sup>4</sup></li>
</ul>
</li>
 	<li><strong>Medicare</strong> is a federally run health insurance option for eligible individuals who are over 65, as well as people of any age with certain disabilities.<sup>5</sup> Humana offers a variety of Medicare plans, including Medicare Advantage (all-in-one coverage), Medicare Part D (prescription drug coverage), and Medigap options (supplemental coverage for out-of-pocket costs not covered by Medicare).<sup>6</sup> The plans available to you may vary by your location, so you'll need to enter your zip code on Humana's Medicare <a href="https://www.humana.com/medicare">page</a> to see your options.</li>
 	<li><strong>Medicaid</strong> is similar to Medicare in that it's run by the government, but it's administered by individual states rather than by the federal government.<sup>7</sup> Humana's Medicaid program is called Humana Healthy Horizons, and it is available at low or no cost to low-income people and those with disabilities in eligible areas. Plans vary by location, so you'll need to enter your zip code on Humana's Medicaid <a href="https://www.humana.com/medicaid/">page</a> to see your options.</li>
</ul>
Regardless of what type of health insurance plan you have (even if it's not one of those mentioned above), the ACA mandates coverage for certain mental health services, including treatment for substance use or abuse disorders. This means you may be covered for alcohol rehab at ARH in some capacity. To check your Humana insurance coverage for alcohol rehab and related treatment at ARH, contact our team today.

<hr />
<p style="text-align: center;"><strong><em>Not sure if your insurance covers alcohol treatment?</em></strong></p>
<p style="text-align: center;">Check your insurance coverage or text us your questions for more information.</p>
<p style="text-align: center;">[vob-aktify-cta]</p>


<hr />

<h2>Does Humana Cover Inpatient Rehab for Alcohol?</h2>
Under the ACA, inpatient treatment (including rehab) for substance use is considered to be an essential health benefit.<sup>3</sup> Your Humana insurance plan will cover alcohol rehab to at least some degree, but it may not cover all inpatient rehab programs. Coverage is subject to network requirements, and you may have to pay out-of-pocket costs to fulfill your plan's deductible or copay cost-sharing requirements.

Prior to obtaining inpatient rehab for alcohol, you'll want to contact Humana to check whether your desired alcohol treatment facility is covered under your plan. You may also contact the facility directly to verify coverage. At ARH, a representative can help you determine whether your plan covers inpatient rehab treatment at our facility.

You can check your specific insurance coverage instantly by filling out the form below.

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<h2>Does Humana Cover Outpatient Rehab for Alcohol?</h2>
Like inpatient rehab programs, outpatient rehab programs for substance use or mental health services are generally considered an essential health benefit under the ACA, and thus must be covered in some capacity.<sup>3</sup> Your Humana insurance coverage may not cover every outpatient rehab program available, but treatments such as therapy, meetings, and group counseling are typically covered on an outpatient basis. Be sure to contact Humana prior to signing up for an outpatient service to ensure that it is covered so you can avoid high out-of-pocket costs. You can also contact ARH and a representative will help you determine whether your Humana plan covers outpatient rehab for alcohol.
<h2>How to Check My Humana Coverage for Alcohol Rehab</h2>
Checking your Humana coverage for alcohol rehab may seem like a daunting task, but it doesn't have to be. You can simply go to the Humana website, log in to your account, and view your Summary of Benefits and Coverage (SBC). You can also contact a Humana representative by calling the number on the back of your insurance card or the customer service number on their website. A representative can walk you through your plan details. Be sure to have your insurance information ready so that you can get the most accurate answers.

Another option is to contact ARH and have a representative check whether they accept your Humana plan. However, the most accurate answer will come from your insurance company directly, so it's recommended that you contact Humana first.

<h3>Learn About Specific Insurance Providers</h3>

<ul>
<li><a href="https://alcoholrehab.com/insurance-coverage/cigna/">Cigna Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/veterans/">Coverage for Veterans</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/kaiser/">Kaiser Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/bcbs/">BCBS Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/united-healthcare/">United Healthcare Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/aetna/">Aetna Coverage</a></li>
</ul>

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[sources]

[1]. Statista. (2021). <a href="https://www.statista.com/statistics/210651/total-medical-membership-of-humana/" target="_blank" rel="noopener noreferrer"><em>Medical membership of Humana in the United States from 2008 to 2020</em></a><em>.</em>

[2]. HealthCare.gov. <a href="https://www.healthcare.gov/glossary/essential-health-benefits/" target="_blank" rel="noopener noreferrer"><em>Essential health benefits.</em></a>

[3]. HealthCare.gov. <a href="https://www.healthcare.gov/coverage/what-marketplace-plans-cover/" target="_blank" rel="noopener noreferrer"><em>What Marketplace health insurance plans cover.</em></a>

[4]. Humana. <a href="https://www.humana.com/health-and-well-being/hmo-vs-ppo" target="_blank" rel="noopener noreferrer"><em>HMO vs. PPO - the difference between HMO and PPO plans – Humana.</em></a>

[5]. Medicare.gov. <a href="https://www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare" target="_blank" rel="noopener noreferrer"><em>What's Medicare?</em></a>

[6]. Humana. <a href="https://www.humana.com/medicare" target="_blank" rel="noopener noreferrer"><em>Humana Medicare plans.</em></a>

[7]. Humana. <a href="https://www.humana.com/medicaid/" target="_blank" rel="noopener noreferrer"><em>Humana Medicaid.</em></a>

[/sources]

Humana Insurance for Alcohol Rehab

If you or a loved one is struggling with alcohol addiction, you may be wondering what your options are for seeking affordable alcohol rehab. Fortunately, if you have UnitedHealthcare insurance, your alcohol rehab may be partially or fully covered under your plan. This means you can get affordable, quality care at little to no cost to you. Learn more about UnitedHealthcare plans and their coverage below.
<h2>What Is UnitedHealthcare?</h2>
UnitedHealth Group—which is comprised of UnitedHealthcare and Optum—has provided health care coverage and benefits offerings for nearly 40 years. One of the largest insurers and health groups in the United States and the world, it offers plans in all 50 states and 130 different countries.<sup>1</sup> In the United States alone, nearly 28 million Americans are covered by a UHC plan.

Every UHC plan varies in depth of coverage. Before seeking treatment for alcohol rehab, it’s important to verify your plan’s details and coverage with a UHC representative. This will allow you to better estimate what your costs for undergoing alcohol rehab may be.
<h2>Does UnitedHealthcare Cover Alcohol Treatment?</h2>
Like many other health plans, UnitedHealthcare typically provides coverage for alcohol treatment in some capacity. However, because every plan is different, it’s important to verify your benefits before entering treatment.

In most cases, UnitedHealthcare’s substance abuse coverage will depend upon the member’s plan, their provider, and their prescribed course of treatment. It will also depend on whether the facility or provider is in-network or out-of-network.

Consider discussing treatment coverage with your insurer after you’ve talked to a facility counselor about how many days of rehab you may need. You can verify your benefits by calling the number on the back of your insurance card.

You can check your insurance coverage instantly by filling out the form below.

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<h2>Is UnitedHealthcare Accepted Everywhere?</h2>
As one of the largest insurance companies in the world, UnitedHealthcare is accepted by providers at many locations. However, it is not accepted at all. You will need to confirm coverage with both your insurance provider and facility to ensure that your insurance will be accepted.

Another thing to note is whether your chosen facility or provider is an in- or out-of-network provider. If it is an in-network provider, your UnitedHealthcare plan would be accepted and you could submit claims to insurance. If it is an out-of-network provider, you may not receive coverage for your healthcare claims. Any coverage you do have will be lower than what you’ll receive for working with an in-network provider.

As always, be sure to verify your benefits with your treatment facility or your insurance company before seeking treatment.
<h2>UnitedHealthcare Plans and Coverage Levels</h2>
A variety of UnitedHealthcare plans are available. Each varies in design and coverage, and cost-sharing requirements will vary as well. The 3 most common UHC plans are: <sup>2, 3, 4, 5</sup>
<ul>
 	<li><strong>UHC Choice</strong>: This is a preferred provider organization (PPO) plan in which you receive the highest amount of coverage for in-network care. UHC’s network includes more than 895,000 providers nationwide. With UHC Choice plans, there is no coverage for out-of-network providers.</li>
 	<li><strong>UHC Choice Plus</strong>: This plan tier provides all the same benefits as UHC Choice plans, but offers a little more flexibility in coverage. While it is generally cheaper to obtain care through UHC’s network of providers, Choice Plus plans provide some coverage for out-of-network providers.</li>
 	<li><strong>UHC Options PPO</strong>: This plan operates like a traditional PPO plan. It offers higher coverage amounts and lower cost-sharing requirements for care obtained at an in-network provider, and lower coverage for out-of-network care.</li>
</ul>
UHC also sponsors Medicare plans. If you are a retiree, you may qualify for a Medicare Advantage plan, Medicare Part D, or Medicare supplement plans through UHC.<sup>6</sup> If you’re a veteran, you may be able to obtain an Optum health plan through the Department of Veterans Afairs.<sup>7</sup> Be sure to check directly with UHC to see whether you’re eligible to enroll in these additional plans.

For more information about your specific UHC plan, be sure to contact UnitedHealthcare directly. They should be able to provide you with an explanation of benefits and a detailed summary of benefits and coverage.
<h2>How to Pay For What Insurance Doesn't Cover</h2>
In some cases, your UHC plan may not cover all or part of your treatment, so you may be responsible for paying for treatment costs out-of-pocket. However, you should talk with admissions staff and counselors about a payment plan or any additional financing options. Some facilities may even provide a scholarship opportunity to help eligible people get the care they need.

Don’t let cost become a barrier to your recovery. Options are available to receive affordable care, even if your insurance doesn’t cover all or part of your treatment—you just need to ask.

<hr />
<p style="text-align: center;"><strong><em>Not sure if your insurance covers alcohol treatment?</em></strong></p>
<p style="text-align: center;">Check your insurance coverage or text us your questions for more information.</p>
<p style="text-align: center;">[vob-aktify-cta]</p>


<hr />

<h2>Verify Your UnitedHealthcare Benefits</h2>
It’s always a good idea to verify your health insurance benefits before entering treatment so that you can avoid surprise high out-of-pocket costs. You can either call the number on the back of your insurance card or visit the UnitedHealthcare website. Be sure to have your card handy so that you can provide your plan information and receive accurate information regarding your drug and alcohol rehab coverage.
<h2>How to Check Your UnitedHealthcare Coverage for Alcohol Rehab</h2>
In addition to calling UnitedHealthcare or visiting their website, you also ask American Addiction Centers (AAC) to check your UHC coverage for you. UHC plans typically cover AAC facilities as in-network providers, which means you may be able to receive treatment at little to no out-of-pocket cost. And, since there are AAC facilities all over the country, location doesn’t have to be a barrier to your treatment.

AAC facilities specialize in offering treatment for co-occurring and substance abuse disorders. To learn more and to verify your UHC coverage, call (866) 202-7707. You can also check your insurance by filling out the form above.

<h3>Learn About Specific Insurance Providers</h3>

<ul>
<li><a href="https://alcoholrehab.com/insurance-coverage/cigna/">Cigna Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/veterans/">Coverage for Veterans</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/kaiser/">Kaiser Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/bcbs/">BCBS Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/aetna/">Aetna Coverage</a></li>
<li><a href="https://alcoholrehab.com/insurance-coverage/humana/">Humana Coverage</a></li>
</ul>


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[sources]

[1]. UnitedHealth Group. <a href="https://www.unitedhealthgroup.com/who-we-are.html" target="_blank" rel="noopener noreferrer"><em>Who We Are</em></a>.

[2]. UnitedHealth Group. <a href="https://www.uhc.com/employer/health-plans" target="_blank" rel="noopener noreferrer"><em>Group benefit plans</em></a>.

[3]. UnitedHealth Group. <a href="https://www.uhc.com/employer/health-plans/choice" target="_blank" rel="noopener noreferrer"><em>UnitedHealthcare Choice</em></a><em>.</em>

[4]. UnitedHealth Group. <a href="https://www.uhc.com/employer/health-plans/choice-plus" target="_blank" rel="noopener noreferrer"><em>UnitedHealthcare Choice Plus</em></a>.

[5]. UnitedHealth Group. <a href="https://www.uhc.com/employer/health-plans/options-ppo" target="_blank" rel="noopener noreferrer"><em>UnitedHealthcare Options – PPO</em></a>.

[6]. UnitedHealthcare. <a href="https://www.uhc.com/employer/group-retiree-solution/products-services" target="_blank" rel="noopener noreferrer"><em>Retiree health care products and services</em></a>.

[7]. <em>Optum.</em> <a href="https://www.optum.com/content/dam/optum3/optum/en/resources/PDFs/VA%20CCN%20Fact%20Sheet%20Update%209.24.19.pdf" target="_blank" rel="noopener noreferrer"><em>VA Community Care Network</em></a>.

[/sources]

Jillian English

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