You should never feel like you have to defer substance use care because of the cost of addiction treatment options. Humana Insurance could help make sure your rehab services are covered. At Gloria Detox and Rehab Center, it is our priority to ensure you have quality treatment without a heavy financial burden.
Since 2015, the Substance Abuse and Mental Health Services Administration has recorded more than 1,000,000 discharges from addiction treatment centers.
Medical professionals agree that substance use treatment is a medical necessity, either through residential care or outpatient services. This is why Gloria Rehab is happy to work directly with your insurance company to ensure they provide coverage for your drug and alcohol rehabilitation today.
Humana Inc. is one of the largest providers of health insurance in the United States. As a company, they recognize that mental health care is one of the essential health benefits for those who carry their insurance plans. Substance use disorders are mental illnesses that are covered by Humana Insurance.
Humana insurance plans fall into two main categories: Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO). Both HMO and PPO clarify the network of care an insurance company will pay for. This is not the direct health insurance provider, but rather a list of doctors that insurers will work with.
HMO insurance policies limit the type of care and doctors that will be covered to a very specific network. This means your insurance plan requires you receive a referral from your primary care physician for any specialist care. You will also most likely have to pay for out-of-network care.
PPO policies will offer more coverage for out-of-network specialists, but you will still receive the best support from insurance providers for in-network care. In-network care means the healthcare provider has an established relationship with the insurance company and therefore has agreed on fixed costs of care.
This policy will pay 80 percent of the cost of services received before you reach your deductible. Most deductibles with Humana Portrait Insurance are $2,500 per person.
Monogram plans are appealing with lower premiums, but the policy’s deductible can be as high as $7,500.
This policy comes with lots of opportunities to customize, from the number of doctor visits to the level of prescription coverage. Many individuals with mental health conditions are attracted to this plan.
With the help of health savings accounts, you can set aside money with every paycheck to support your behavioral health treatment.
Medicare is a form of federal health insurance for people who are 65 or older and individuals with certain disabilities. Humana Medicare supplements whatever medicare coverage you already have.
When searching for a rehab facility, the possibility of paying out-of-pocket for addiction treatment can seem daunting. But with the help of a Humana insurance policy, you have an even greater opportunity to access the addiction treatment providers you need.
State-funded health programs outside of insurance, like Medicare and Medicaid, can also cover basic costs of inpatient drug rehab, and outpatient care. However, Gloria Rehab does not accept Medicaid for addiction treatment.
Your preferred addiction treatment center should work with you to develop a payment plan or seek out other public assistance if your insurance plan does not cover behavioral health care. Money should not be the thing that stands in the way of you receiving the care you need.
Humana Insurance offers a variety of coverage plans for addiction treatment services. The specific behavioral health benefits you receive will depend on where you live and the health plan you choose.
If you don’t have Humana insurance coverage, you are responsible for knowing what your insurance will pay for before you commit to a specific rehab center. There are a variety of factors that could play into the overall cost of rehab, so verify your insurance at Gloria Rehab today!
Not sure where to start with health insurance companies? Contact us at Gloria Rehab, and we can help you navigate what mental health benefits you already have.