Your Recovery Begins at American Addiction Centers

Humana Health Insurance

Ready to make a change?
Call to speak to an Admissions Navigator.

Deciding to go to addiction rehab can be intimidating without also having to worry if your insurance will cover it. You may wonder—does insurance cover drug rehab? This page provides information about:

  • Humana Health insurance.
  • Addiction treatment coverage for inpatient and outpatient care.
  • Whether Humana insurance covers drug rehab.
  • How to check your healthcare coverage.

Humana was founded in 1964 as a small company and currently provides health insurance to approximately 17 million people.1 Humana Health plans can vary depending on where you live, but generally fall under 3 main types:

  • Health maintenance organizations (HMOs) require you to seek care through in-network providers, including doctors and hospitals.
  • Preferred provider organizations (PPOs) allow you to seek treatment from any provider you wish.
  • Point-of-service plans provide the benefits of HMO plans with the freedom of seeking out-of-network care.

Medicare, a federally funded program providing medical coverage to people over age 65 and certain people with disabilities, is offered through Humana in all 50 US states.1 Humana prescription drug plans are offered separately under Medicare Part D benefits, which are designed to reduce prescription costs and offer covered medications at low or no cost.1,2 Medicaid, which is a system that provides federal and state-funded healthcare benefits for disabled and low-income individuals, is offered through Humana Insurance in Florida, Illinois, and Kentucky.1,3

Please note: American Addiction Centers (AAC) always aims to provide the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors can occur. Please confirm coverage levels directly with your insurance carrier. AAC is not affiliated or endorsed by Humana or any of its subsidiaries.


Humana Health Insurance for Inpatient Treatment

Humana plans recognize the importance of treating substance use disorders. Inpatient treatment, in which participants stay at a facility for the duration of treatment, may be covered.4,5 If you have an HMO plan, you must choose a provider that is in-network.1,5 Before seeking inpatient treatment, your referring doctor must submit the appropriate forms to Humana so they can provide a preauthorization.6


Humana Health Insurance for Outpatient Treatment

Outpatient treatment allows you to receive services at a clinic with limited interruption to your daily activities and may also be covered by Humana Health insurance plans.4,5 If you are covered under an HMO plan, you must choose an in-network provider for your treatment to be covered.1,5 You may also need to obtain a preauthorization before starting treatment.


Humana Health Insurance for Drug and Alcohol Treatment

Does Humana Health cover drug rehab? Yes. Under federal law, plans that include Humana Health mental health coverage must provide similar levels of benefits as they provide for physical health conditions.7 Mental health and substance use disorder treatment are considered essential health benefits and are required under all Affordable Care Act (ACA) plans.

If you have a Humana Health insurance plan, drug and alcohol treatment options may include:4

  • Medication-assisted treatment to help with withdrawal and recovery.
  • Individual and group counseling sessions.
  • Inpatient services.
  • Outpatient treatment.
  • Peer support groups.
  • Mutual aid fellowships, including 12-step groups.

Not all plans cover substance use disorder treatment. There may be limits on what is covered. To find out what your insurance plan covers, you can check on your coverage here, or fill out the form below.

Checking Your Insurance Benefits

Before seeking treatment, it is always a good idea to check your benefits and determine what type of Humana Health therapy coverage is provided by your plan. You can check your coverage by calling the number on the back of your insurance card and speaking to someone in Member Services. Humana also offers member services online where you can check your coverage.

Humana offers 3 different types of coverage plans for federal workers.8 The HMO plans available to federal workers have no deductibles and require no referrals but vary in copayment amounts.8 The basic option plan has the highest copays, the standard option plan has lower copays, and the high option plan has the lowest copay amounts.8 Humana also participates in TRICARE, which offers health coverage to retired military personnel and their families.1 TRICARE is managed through the Department of Defense, and Humana works to arrange treatment services for retired military personnel and their families.1 These services are also available for family members of active-duty military personnel.1

Humana insurance has been providing health insurance coverage for more than 55 years and offers a range of plans to meet your needs. Addiction treatment may be covered by your plan, including inpatient and outpatient treatment, along with other services that can assist recovery efforts. Checking your benefits is strongly recommended before seeking treatment, to ensure that services will be covered. Starting treatment can be stressful, but confirming your insurance coverage beforehand can make the process a bit easier.


Sources

  1. Humana. (2019). Humana 2019 annual report.
  2. Humana. (2019). Humana Premier Rx Plan™ (PDP).
  3. Humana. (2020). Medicaid.
  4. Humana. (2020). Don’t let substance use disorders have the last word.
  5. Humana Behavioral Health. (2015). Behavioral health benefits.
  6. Humana. (2020). Preauthorizations and referrals.
  7. Centers for Medicare and Medicaid Services. The Mental Health Parity and Addiction Equity Act (MHPAEA).
  8. Humana. (2020). Medical plans at a glance.

You Only Get One Body

Get Clean & Sober With Detox