Humana Insurance for Alcohol & Drug Rehab

Need Help Paying for Rehab With Humana Insurance?

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If you or a loved one is struggling with substance use and have Humana Insurance, you may be eligible for addiction treatment services in rehab.

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Addiction treatment can feel daunting, perhaps most of all because of the cost. Rehab for substance abuse is a comprehensive and intensive program, but did you know you can use your Humana insurance to pay for it? Tragically, many people disregard the idea of getting help because they’re concerned they won’t be able to afford it. We avidly believe nobody should suffer from addiction and mental illness. As such, we do everything we can to help remove barriers to recovery, including making insurance feel more manageable. 

Let’s walk through Humana insurance for substance use disorder (SUD) so you can understand how insurance can help.

What Is Humana?

Humana is an established insurance provider for adults of all ages. Since its founding in 1961, it has grown into one of the United States’ largest insurance companies.

Along with a variety of plan types, they offer a widespread behavioral health network. Substance abuse treatment, mental health treatment, and dual diagnosis treatment are at least partially covered, depending on the individual’s policy.

Your Humana member account will allow you to view the specifics of your plan. Login to your MyHumana account here.

Understanding Humana Insurance Policies

Humana provides policies for low-income individuals in certain states. They offer insurance plans for those over 65 in all 50 states. They also provide stand-alone dental, vision, and hearing coverage for individuals and families. Therefore, Humana is primarily an insurance provider for older adults when it comes to coverage for addiction and mental health treatment.

They arrange their plans into metal tiers like most insurance providers. These levels are as follows:

The type of tier your policy falls under will determine what your monthly and per-visit or per-service costs are. Yet, it won’t affect the type of treatment you receive. Regardless of your policy, everyone gets the same level of care from providers. In sum, you just may end up paying more or less per year.

We know it can be confusing to look at your plan if you don’t understand insurance terminology. Your deductible is the amount you pay each new insurance year before your coverage begins. You will have to pay that full amount towards services before you can expect insurance to contribute to your expenses. As a standard, lower-tiered plans have higher deductibles that people must pay each year but lower monthly fees. Higher-tiered plans have lower deductibles, but higher monthly payments. People generally select their tier based on the type of care they want to prioritize, from emergencies to routine care.

What Humana Policies Cover Addiction Treatment?

Most Humana policies include coverage for addiction treatment. Yet, the exact amount of coverage versus out-of-pocket costs will depend on your policy type and tier. Fortunately, addiction and mental health treatment are essential services, so insurance providers must offer coverage for these types of care.

Humana Referral for Rehab

You may need a referral from your doctor or mental health provider for rehab. Humana policies tend to require referrals for SUD and co-occurring disorders treatment. As such, it’s best to be proactive in acquiring a referral so your recovery doesn’t have to wait. Once you receive your referral for treatment, make sure you work with a rehab facility that provides all your needs. It should prioritize holistic healing and offer a wide range of programming, including dual-diagnosis treatment and medically-assisted treatment.

Humana Pre-authorization for Rehab

Most Humana policies require members to visit their primary care provider to receive a recommendation for services. Needing precertification for services is a standard protocol for insurance coverage. This pre-authorization is put into place to ensure everyone receives the right treatment, but it does add a step to the process. If you are struggling with substance abuse or addiction, make an appointment with your physician and explain your concerns. They’ll preauthorize you for SUD treatment so your insurance gets activated. Once you have their preauthorization, you can better understand what Humana will cover.

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Looking for quality substance abuse treatment that’s also affordable? South Coast accepts most major insurance providers. Get a free insurance benefits check now.

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Rehab Programs Covered by Humana Insurance

At Aliya, our treatment programming moves through levels of care. These allow clients to track their progress over the days and months of rehab. It also helps to categorize individuals based on the level of support they need throughout their healing journey. Many individuals start with detox and work through the levels, but some enter a further stage based on their readiness.

Insurance providers understand the levels of care and the structure of working through stages on the path to recovery. As such, they provide partial to full coverage for each level. However, what exactly is included in your policy is something you’ll need to determine. It’s best to know what kind of coverage your Humana plan has before entering treatment. This way, you can make informed decisions about how you’ll engage with rehab.

We can help you figure these details out and recommend a treatment plan based on your situation and needs.

Humana Coverage for Detoxification

Generally, detox is the first step in addiction recovery. Clients may enter treatment with substances in their bodies. Detox removes the toxins that cause cravings and dependence, generally over three to seven days. During this time, clients may receive comfort medication to make withdrawal less uncomfortable. Undeniably, trying to quit “cold turkey” or detox at home is nearly impossible and can be life-threatening. Professional medical detoxification is the only safe way to reach a base place of sobriety.

Humana Coverage for Residential Treatment

Residential inpatient treatment is an intensive first step of rehab after detox. Clients live in-center and receive 24/7 support from medical staff. These early days of addiction management are instrumental in determining the way recovery will progress. Therefore, inpatient treatment teaches coping mechanisms for cravings and triggers. It also utilizes therapy to have clients begin exploring the reasons why they turn to drugs and alcohol.

Humana Coverage for Partial Hospitalization

Partial hospitalization is an outpatient care option for those who have responsibilities outside of rehab. Clients attend counseling, therapy, case management, and other sessions in a facility during the daytime. At night, they return home. Partial hospitalization allows clients to progress in their recovery while still working, caring for their families, and living “normal life.” This flexible care option is ideal for many as an entrance point. Yet, it can also be an advanced level of growth for those working through the stages.

Humana Coverage for Intensive Outpatient Treatment

Intensive outpatient treatment is an option for those who have responsibilities at home and have reached more independence in sobriety. It is the level of care following partial hospitalization. The number of hours spent in treatment per day is further reduced from PHP. Overall, clients maintain their outside responsibilities while attending addiction management sessions on weekdays.

Humana Coverage for Medication-Assisted Treatment (MAT)

Medication-assisted treatment (MAT) is a rehab track that incorporates prescription medication into treatment for clients who require it. Despite the stigma, there is no shame in receiving medication for addiction maintenance or mental illness. On the contrary, clients can experience a better quality of life through the easing of their symptoms. Oftentimes, individuals are prescribed comfort medication during detox to help with withdrawal symptoms. They may also be given prescriptions for chronic pain, symptoms of mental illness, or other case-by-case reasons.

Most insurance plans will cover or provide a co-pay for prescriptions given to treat addiction and mental illness. The FDA approves certain medications for alcohol abuse disorder (AUD) and substance abuse disorder (SUD).

Typically, insurance covers medications that are approved by the FDA for substance use disorders (SUD) and mental illness. The most common being used for alcohol use disorder (AUD) and opioid use disorder (OUD) However, you might need precertification to qualify for coverage. It’s also important to check your co-pay for prescriptions, as you may need to pay a certain amount out of pocket before your insurance starts covering the costs.

The list of FDA-approved drugs for alcohol addiction includes: 

FDA-approved drugs for the treatment of opioid use disorder include:

Sometimes medication is the best way to achieve a self-sufficient lifestyle when you live with mental illness, addiction, chronic pain, or trauma. MAT allows clients to operate like themselves again, even while working through issues. Your Humana insurance may cover all or partial MAT rehab.

Using Humana for Mental Health Treatment

Mental health care is an essential service insurance providers must make available to members. Your Humana plan likely covers a wide range of behavioral health services, including:

You may need preauthorization for some mental health treatments. Thus, make sure you examine your policy to become aware of the ins and outs. Again, we are happy to do this on your behalf.

We Are In-Network With Aetna, Anthem, & Cigna Health Insurance Plans

South Coast Behavioral Health is proudly an in-network provider of substance abuse and dual diagnosis treatment services for BlueCross BlueShield Anthem, Aetna, and Cigna health insurance plan members.

Aetna Insurance Logo- We accept Aetna Insurance Plans

We also accept most major insurance providers

Tricare insurance
Providence Health

If you are ready to recover, please reach out to speak with one of our admission coordinators.

Should I Use Humana Insurance for Rehab?

Receiving professional addiction treatment is the only effective way to recover from substance abuse. Fortunately, Humana policies provide wide coverage for behavioral issues and mental health, so you can rest assured you’ll be cared for. There’s no time to wait to get help. If you or your loved one is battling SUD, use your Humana insurance to help pay for rehab. Once insurance is factored in, you might be surprised by how little you have to pay. But you can find out exactly what your expenses would be ahead of time.

Verify Your Humana Coverage Now

Unsure about what your Humana insurance covers? We can help! To get started, simply fill out the insurance verification form available on our website. This form is your initial step toward peace of mind, as it allows us to gather the necessary information to verify your insurance coverage for addiction treatment services. 

By providing details such as your full name, date of birth, Humana member number, and contact information, you enable our dedicated team to conduct a thorough review of your coverage and get back to you with a clear understanding of the benefits available to you for rehab.

Finding a Humana Rehab Near Me in Orange County, California

Finding the right addiction rehabilitation provider is an imperative step in reaching recovery. Although there are likely many providers near you, you want to consider certain factors. Are they in-network with your insurance? What services do they offer? Are they reputable? It’s best to work with a well-established treatment provider because they’ll be able to take the process out of your hands.

South Coast Behavioral Health is a Humana insurance addiction treatment provider located in Orange County, California. We are proud to offer evidence-based treatment programs for substance abuse and mental health disorders specifically tailored to meet the needs of military service members, veterans, and their families.

Our addiction rehab centers are located in several cities throughout Orange County, California including:

South Coast is honored to provide specialized treatment for veterans and first responders within each of our drug and alcohol rehabs in Orange County, CA. Our Valor Program provides personalized treatment founded on trauma-informed care.

At South Coast’s Humana approved rehab facilities, our clinicians understand the unique challenges faced by those who serve our country. Throughout our addiction treatment programming, we provide compassionate care and support throughout the recovery process.

During treatment, veterans gain access to a variety of vital addiction treatment services such as medication management, behavioral therapy, and addiction counseling.

In addition to traditional therapies, we also offer expressive arts therapy which allows clients to explore their feelings through creative outlets. This can be especially beneficial for veterans who have difficulty verbalizing their emotions.

We also provide dual diagnosis treatment for co-occurring mental health and substance abuse disorders, and medication-assisted treatment (MAT) for those struggling with addiction.

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TRICARE Insurance

Paying for Rehab with Humana

We know it can be scary to look at addiction rehab as an upcoming expense. Fortunately, insurance can go a long way in providing coverage for essential services like substance abuse and mental illness treatment. We’re here to help you figure out your insurance. Once you have a grasp on what your policy provides, we can help you create a rehab plan that addresses your needs. If you’re worried about paying for treatment outside of what Humana covers, let us walk you through the available options.

South Coast Behavioral Health is here every step of the way to support you through this process with compassion and expertise. To learn more about paying for rehab with Humana insurance, reach out to us at (866) 881-1184.

If you or someone you know is struggling with addiction, please don’t hesitate to reach out to us.

We are here to help because we’ve been there.

The Treatment Experience at South Coast

What Our Alumni Have to Say

This place truly saved my life. I'll be forever grateful for the opportunity to get and stay sober here... Everyone was great. This experience definitely paved the way for a real future for me and for my son. Thank you.

J.C. Alumni of SCBH
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