Choosing the right Humana insurance for rehab plans
Whether you’re seeking treatment for substance abuse, alcoholism, nicotine-dependency or other mental illnesses, Humana offers quality coverage for behavioral therapies. Regardless of your choice in HMO or PPO, you’ll be able to find help with anything from short-term outpatient therapy to long-term residential care. In order to get comprehensive Humana insurance for rehab, begin by determining your eligibility and then deciding which plan to go with.
Are You Eligible for Humana Substance Abuse Coverage?
Humana classifies substance abuse under behavioral health, which is considered a specialty benefit along with dental, vision and life insurance. No longer is behavioral health coverage considered second-tier, thanks primarily to the Mental Health Party and Addiction Equity Act that went into effect in 2010. Now, Humana and other insurers can’t restrict your visitations or costs like before.
However, not all insurance sponsors (i.e. your employer) are required to provide access to behavioral health coverage. If your employer has fewer than 50 employees, or is fully self-funded, or would incur a 2% cost increase in the first year of paying for behavioral health coverage — it can opt-out of providing this coverage to you.
If You Are Covered
If you’re a government employee, you most likely have access to Humana insurance for rehab. However, state and federal rules are different, so you will have to check with your employer or insurance sponsor if you are in a state that prevents the federal government from mandating this kind of coverage.
If all is well, you may have the choice between an HMO and a PPO. A Health Maintenance Organization is an economical choice, but if you’re an addict who needs immediate treatment, you may have trouble accessing a specialized care facility quickly, barring an emergency room visit. With a Preferred Provider Organization, you won’t be obligated to make an appointment with your primary care physician, but you will still need prior authorization (probably from the insurance company) before getting expensive therapy. You can also get better out-of-network coverage (though it’s expensive either way).
If You Are Not Covered
You should look into supplemental coverage options to fill in the empty coverage areas. Addicts often find rehab to be much more successful when they enter full-time hospitalization or residential care environments. These are very expensive without any kind of help from Humana.
Humana supplemental insurance can cover procedures without a physical examination. Also, you can get coverage after the date of your policy, which is helpful to prevent against relapses. On top of that, you don’t have to coordinate your current benefits, supplemental will exists as its own entity.
Ensuring Coverage in the Future
If you need to miss time at work or school for your rehab or detox, there are options available to you for extending your coverage beyond the limits imposed by that employer or insurance sponsor. However, finding the right Humana insurance for rehab is a very complex process. Fill out the simple form below to get answers to your most confusing questions.