Addiction Treatment Covered by Humana Insurance

Humana is a large healthcare company that serves over 16 million members across much of the USA, including Florida and adjoining states.¹

Humana covers substance use treatment. However, the level of coverage differs between policies.

In this article, we will review how to use your Humana insurance to pay for drug and alcohol rehab and potential treatment options that may be covered.

Does Humana Cover Substance Abuse Treatment?

Yes, most Humana plans cover addiction treatment, though each policy varies when it comes to the coverage amount.

Laws like the Mental Health Parity and Addiction Equity Act (MHPAEA) and Affordable Care Act (ACA), require most health insurance plans available in the United States to cover treatment for behavioral health, which typically includes inpatient and outpatient services for substance use disorders (SUD) and other mental health conditions.^2,3 Additionally, coverage for SUD treatment must be equitable to coverage for medical or surgical care.⁴

To verify your benefits and learn specific information about your coverage at Recovery First, use .

How to Use Humana Insurance to Pay for Rehab at Recovery First

In order to use Humana to cover addiction treatment, you must first find a treatment facility (like Recovery First) that accepts your insurance policy. Often, this means that the rehab center is “in-network” with Humana, meaning the facility contracts directly with Humana.⁵ However, some plans may provide coverage for out-of-network facilities, though costs are almost always lower when you opt for an in-network provider.

Recovery First Treatment Center in Hollywood, FL, is in-network with Humana. Our admissions navigators are here to help you through the process. Call us at to speak with someone who can check your insurance and discuss the next steps to getting you admitted to the program and on the path to recovery.

Additionally, you can find out more information about your Human coverage for addiction treatment by:

• Calling the Humana behavioral health number on the back of your insurance card to ask about what addiction treatments are covered.
• Logging in to the online member portal to learn more about Humana drug rehab coverage and how it applies to your specific policy.

Which Types of Addiction Treatment Are Covered by Humana?

Addiction treatment is a highly individualized process, and the appropriate setting and treatment course of action varies between patients.⁶

Insurers will often require covered treatment to be deemed as medically necessary.⁸ In this case, you’ll likely have to obtain pre-authorization or a referral (from your primary care physician or an approved provider) before you start addiction treatment. Admissions navigators at Recovery First can assist you with this before you start the admissions process.

How Much Does Addiction Treatment Cost With Humana Insurance?

Treatment costs differ based on the:

• Care provided.
• Length of treatment.
• Level of coverage provided your Humana plan.

It is also crucial to choose a facility within the Humana network and obtain a referral or prior authorization for treatment if your plan requires it.

For information on specific costs at Recovery First using your Humana insurance policy, call to speak to an admissions navigator.

Sometimes, it can be difficult to pay for rehab even with insurance. If you’re in this situation, it may be helpful to review additional ways to cover the cost of treatment.

Benefits of Using Humana to Pay for Addiction Treatment

Your Humana insurance coverage can help you start over and live a fulfilling life in recovery.

If you live in Florida and are struggling with addiction, you are not alone. Sadly, many people living in Florida struggle with drug or alcohol use:

Addiction is a devastating disease, but it is treatable.⁶ In most cases, this treatment is covered by insurance. Simply fill out the insurance verification form below to find out within minutes whether your insurer will cover addiction treatment at Recovery First.