Humana and Substance Abuse Recovery: Overview
The Humana insurance company offers rehab and addiction treatment via its HumanaOne program, with all claims underwritten by the Kanawha Insurance Company.
There are a number of policies to choose from. Which one you opt for will depend on what sort of treatment you want, what sort of budget you have and have much you want the insurance to cover. All of their policies fall into two brackets: PPO and HMO:
HMO: With a HMO plan you will need to designate a Primary Care Physician, you will need a referral from that physician before you are allocated any treatment, and out-of-network treatment will not be covered. On the plus side, the fact that you will be working with Humana registered physicians means that you don’t need to file a claim, and HMO plans are much cheaper than PPO ones.
PPO: Unlike the HMO plans, with a PPO you do no need to designate a physician, you do not need a referral and you may still be covered even if you work with an out-of-network specialist. You will have to file a claim though and you can expect to pay more for these policies.
As Humana themselves say, there is no “right or wrong” when it comes to making your choice. What works for you might not work for the next person, and what works for them might not work for you.
Humana Coverage for Specific Addictions
You can get Humana PPO coverage for drug addiction and Humana PPO coverage for alcohol addiction. There are few limitations with regards to specific substances. All of the following addictions are covered and will be treated in a Humana accepted treatment center:
- Opiates (from codeine to heroin and everything in between)
- Amphetamines (including meth, MDMA and prescription drugs used to treat ADHD)
You may also receive help if you are an excessive user of drugs that are typically not known to be addictive, including cannabis and inhalants. It all depends on your circumstances and your health.
I would not put a thief in my mouth to steal my brains.
– C William Shakespeare
Using Humana to Pay for Treatment
What Humana will and will not cover will depend on your policy. You should bear in mind that while some policies seem to offer everything, that is very rarely the case. If you want the best treatment and complete coverage, then you will typically have to pay some out-of-pocket expenses. This is normal though, and when you consider that the best treatments from the best facilities can cost tens of thousands of dollars, you shouldn’t baulk at overheads of $200 or $300.
Make sure you read the fine print and make sure you take your time when selecting your policy. Understand that if you try to cut corners now, you may save on your monthly fees, but if anything does happen and treatment is needed, then that penny pinching could be very costly.
Length and Depth of Coverage
Not all insurance companies offer inpatient treatment, and although Humana have been known to pay for such services, it will depend on your policy as well as your status. For instance, if you live with your parents in a relatively stable homestead, you suffer from a psychological addiction to cannabis and you are in relative good health, then it is unlikely you will be referred for inpatient treatment. It doesn’t matter whether you believe it is necessary or not, the onus is on your primary care physician to decide, and if they do not deem it necessary, then it will not happen.
However, if you meet one or more of the following criteria, then there is a good chance you will be referred to a Humana accepted treatment center like the FootPrints Behavioral Health Center, where you will receive complete care day and night:
- Long-term Narcotic Addiction: If you have been addicted for a long time to a very strong drug, then inpatient treatment is advised as the withdrawals could threaten your physical and mental health.
- Health Problems: Inpatient treatment is essential for anyone who suffers from poor mental or physical health that is exaggerated by their addiction.
- Instability: If you live in an unstable environment, whether you are forced to live on the streets, in a hostel or with people who are using, then inpatient treatment may be advised.
Honesty is important when discussing your policy and applying for treatment. It’s never advisable to lie, but you should go into depth about your situation. You might be more of an urgent case than you realize.
Rehabs for Humana
The FootPrints Behavioral Health Center is one of the most respected and sought-after Humana accepted treatment centers in the world. We offer a broad range of Humana drug rehab coverage, and can provide assistance with any addiction, regardless of the severity or the condition of the patient.
- What are the benefits of Humana coverage for Californians?
- What are the treatment services covered by Humana?
- Where can I learn more?
You can also contact Humana directly, the details for which you can find on their website.