Humana Insurance for Alcohol Rehab

Learn more about Humana insurance coverage for alcohol rehab, the types of alcohol rehab which may be covered and how to check your plan.

Humana Insurance is one of the largest health insurance companies in the United States, covering approximately 16.8 million people in 2020.1 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.2 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.

Humana Insurance Coverage Plans for Alcohol Rehab

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).3

Humana provides private plans as well as Medicare and Medicaid plans. Learn more about the types of plans below.

  • Private plans: 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:4
    • 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.4 One advantage of an HMO is you will likely never have to file an insurance claim.
    • 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.4
  • Medicare is a federally run health insurance option for eligible individuals who are over 65, as well as people of any age with certain disabilities.5 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).6 The plans available to you may vary by your location, so you’ll need to enter your zip code on Humana’s Medicare page to see your options.
  • Medicaid 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.7 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 page to see your options.

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.

Does Humana Cover Inpatient Rehab for Alcohol?

Under the ACA, inpatient treatment (including rehab) for substance use is considered to be an essential health benefit.3 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.

Does Humana Cover Outpatient Rehab for Alcohol?

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.3 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.

How to Check My Humana Coverage for Alcohol Rehab

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.

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