Deciding to get drug treatment is a brave step in securing a happy, healthier future. Of course, there is often some anxiety when making major life decisions. When considering treatment, you probably have a lot of questions. What will it be like? How is it going to help me get clean? And, of course, how am I going to pay for it?
Inpatient and outpatient drug therapy services can be expensive. If you have to pay out-of-pocket for these services, it can put a dent in your savings or cause you to sacrifice some of the luxuries you are used to enjoying. Of course, drug treatment is an investment in your future. It’s a means to finally regain control of your life.
If you have health insurance, there’s a good chance at least some of your addiction therapy will be covered. Of course, insurance policies vary depending on where you live and your individual policy. When deciding on drug treatment, you want to find out what your health insurance covers and what you may be paying out of pocket.
Humana Drug and Alcohol Rehab Coverage
If you have Humana insurance, you have medical coverage by one of the largest insurance providers in the country. Its estimated over 30 million people have Humana insurance. Humana offers insurance through employers and with Medicare. As of 2018, Humana no longer offers individual medical insurance purchased on the marketplace.
If your employer provides Humana insurance, you want to find out specifics about the mental/behavioral health aspect of this plan. This will help you understand what services are covered, your copay and deductibles, and what your maximum out-of-pocket costs may be.
For example, you will want to find out if your plan is a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO). HMOs tend to have less monthly costs than a PPO, but their networks typically aren’t as big. You want to make sure you find addiction treatment within your network, because many plans don’t cover expenses from out-of-network providers. In addition, HMOs often require you to get a referral from your Primary Care Physician. PPOs don’t require referrals.
Getting to Know Your Humana Plan
So how much of your addiction therapy is covered by Humana? Unfortunately, the answer is different for everyone. By reviewing your Humana insurance policy, you will discover what insurance pays for services as well as what providers are in-network. Of course, it may not always be easy to understand your coverage with all the insurance company lingo. There are some easy ways to find out how much your insurance covers for addiction treatment. These include:
- Talk to your employer’s human resource department. Since many people with Humana insurance get it from their employer, a human resources professional at your company can explain your insurance coverage in simple terms. You may feel a little uneasy, however, talking with your employer about receiving addiction therapy.
- Call your Humana provider. On the back of your medical ID card is usually a phone number directing you to member services. Calling that number puts you in touch with a knowledgeable representative who could answer your questions and explain your coverage.
- Go online. Like most insurance companies, Humana has a website where you can view your policy, check out recent claims, and discover answers to frequently asked questions.
- Contact your desired treatment facility. If you have a place for treatment in mind, connecting with an admissions professional can be a valuable resource. These individuals have lots of experience dealing with insurance companies. They can verify your coverage and explain what your plan will cover and what you may have to pay out-of-pocket.
Paying Out-of-Pocket Expenses for Drug Rehab
Chances are you will have to pay some of the expenses of your addiction therapy. While it may seem like a financial burden, it could be the investment that finally changes your life for the better. Think of all the money you spent using drugs or alcohol. The costs of addiction treatment tends to be much less than the costs of your drug use.
Some facilities offer sliding scale costs or scholarships depending on your financial situation. In addition, options for payment plans may help with the costs of drug treatment. Make sure you use the resources available to help you enjoy a drug free life.