You have Humana Health insurance, and you just don't know if they offer coverage for drug treatment. Your family and friends have been urging you to get help for your addiction for a long time. You've finally decided that you do need to go to an alcohol or drug rehab. Humana insurance is a very well known insurance company, and you think it would be great if they offered help paying for drug treatment. You are in the right place to find out what you need to know about Humana and drug treatment benefits.
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Like many people, you probably have a lot of questions about your health insurance coverage. Addiction treatment is so important to you, but you know you can't afford to pay for it on your own.
You need to know:
These questions are so important, and you deserve to know the answers to them. At Northpoint Recovery, we're glad you're here to get the information you need. Learning about your health insurance coverage is the first step to getting help for your addiction.
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The good news is that Humana absolutely does offer coverage for addiction treatment, and it's available for you if you're a policyholder. The Affordable Care Act requires all insurance companies to include drug and alcohol rehab as a part of their benefits, and that goes for Humana as well. This is wonderful because it allows so many people to get the type of help they need. Without this law, so many people couldn't afford to go to any type of alcohol and drug treatment facility.
However, there is so much more to know about your coverage than this. Once you understand how to maximize how much your health insurance agency will pay, it's easy to see why it can be so affordable.
It's normal to get a bit confused about the various words and terms that health insurance companies use. If you're not careful, you could end up paying a lot more than you should for alcohol and drug treatment. Two of the terms that often confuse many people are out of network and in-network. What do they mean, and why should that be important to you?
If you opt for an in-network drug rehab or alcohol rehab, that means they have a contract with the facility. The contract states that the medical insurance company will provide coverage for the treatment at that center. Any money that exchanges hands is done between the two of them. You are not responsible for paying your bill upfront. The addiction treatment center will bill the health insurance and they will pay them directly.
It is important for you to keep in mind that you may have to pay something out of pocket for treatment. If you do, this amount will be very minimal.
This is the type of addiction treatment program you should look for. In-network alcohol treatment and drug treatment programs will minimize your out of pocket costs dramatically.
Out of network is the opposite of this. When a rehabilitation center is out of network, it means that there is no contract with the insurance. Patients are responsible for covering the cost of their own treatment upfront. Afterwards, they can usually get reimbursed for some of the cost of services.
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Getting reimbursed for rehabilitation services can become quite the hardship. This is why it is highly encouraged for you to choose an in-network addiction treatment center. Doing so will save you a lot of money long-term. It will also ease any of the financial burdens you might have felt with having to wait for reimbursement.
When you choose an out of network provider, your health insurance provider will send you a reimbursement check. The amount that they send to you will be much less than the amount you paid. You may have to wait weeks, or even months to get the money back.
Most people prefer to avoid reimbursement if at all possible. When your insurance is in-network with the drug rehab or alcohol rehab program, you won't have to worry about that. You shouldn't have to.
You might not realize this, but it doesn't matter what type of addiction treatment you need when you have Humana as your insurance company.
They cover all types of rehabilitation, including:
Also, you may be someone who needs to go through drug or alcohol detox. If you are, Humana will help you in this area as well. Your insurance coverage will include benefits to help cover the costs of detoxification. This might include Suboxone, methadone, or any type of detox method that you might need.
That makes it easy for you to get the help you need for your addiction. When you have Humana, drug rehab is much more affordable. There's no need for you to try and choose a specialty drug or alcohol rehab center. Your health insurance will cover any type of addiction you might be suffering from.
The best way to understand what your benefits cover for drug and alcohol rehab with Humana is to have an assessment done by a professional. The addiction facility you choose will have specialists who will talk with you about your history of addiction and recommend treatment options based on your needs and your Humana insurance policy. Here at Northpoint Recovery, our goal is to get to know you better. You may have a lot of reasons for turning to drugs and alcohol. You may be suffering from a mental illness, and substances are what you use to self-medicate. You may have a history of trauma, and you drink or use drugs to help yourself feel better.
Regardless of what issues you're facing, we want to know as much as we can. That will help us to be able to maximize your benefits.
It will certainly help you to have an insurance in-network with your provider. You'll be able to determine your coverage in no time at all. What makes this even better is that you'll have very little to pay out of pocket. Some people find that their Humana insurance agency even covers the entire cost of their treatment.
If you're in need of addiction treatment, you want to make the process as easy on yourself as possible. It's already very overwhelming to think about going to a rehabilitation facility. You have enough on your mind without having to worry about the cost of treatment.
You're making an excellent decision to get the help you need to recover from your addiction. It certainly was not an easy choice for you to make. Here at Northpoint Recovery, we are happy to help you with determining your benefits for drug rehab with Humana. By talking with you, we can have a better understanding of what type of treatment is best for you. Simply fill out our insurance verification form and we'll get started on the verification process on your behalf.
Do you have additional questions about your Humana health insurance or addiction treatment? If you do, please don't hesitate to contact us right away.