Does Humana Insurance for Rehab Cover Co-Occurring Disorders?
Humana insurance for rehab can be an excellent way for people to pay for their addiction treatments. One of the largest carriers in the United States, Humana helps patients get low-cost medical care at over 500 hospitals and clinics throughout the country. However, not all policies are the same, and coverage for co-occurring disorders can vary. It is crucial that addicts with mental illnesses learn as much as possible about the funds available through Humana insurance.
The Importance of Integrated Care
The simultaneous treatment of addiction and mental illness is known as integrated care. An enormous proportion of drug addicts suffer from some type of co-occurring disorder, and treating these problems can be essential to their recoveries. This is because depression, social anxiety, and paranoia are often contributing factors in the developments of addictions. Even when mentally ill people complete detox and undergo other rehabilitative therapies, unaddressed disorders can easily cause them to relapse. Overall, finding coverage for certain medications and psychiatric therapies may be just as important to these patients’ recoveries as the funding for rehab itself.
There are two ways for people to contract with Humana as individuals – managed care insurance and traditional indemnity coverage. Managed care includes plans with health maintenance organizations, preferred provider organizations, and point-of-service contractors. These types of plans vary in their costs and flexibilities, but they all encourage customers to seek treatments within certain networks of healthcare providers.
While managed care systems are designed around provider networks, traditional indemnity contracts focus on the actual medical services rendered to customers. It doesn’t matter what hospitals or clinics people visit, as long as they receive the types of care for which they’re covered.
Given that addiction is rarely considered a pre-existing condition, it may seem that managed care contracts are best for people who need insurance for rehab. Instead of worrying about rejected claims for inpatient or outpatient care, addicts can simply find rehab clinics within their Humana networks. However, a study from Berkley’s Public Health Institute suggests that there may be little difference in the amount of rehab coverage provided under these different plans.
While self-employed people may need to purchase their insurance individually, most large companies will provide coverage in their employees’ benefits packages. Typically, companies that contract with Humana use employee assistance programs to manage and distribute these healthcare benefits. EAPs allow workers to confidentially seek help with a wide array of problems – including substance abuse and mental illness.
Also, most workplaces now offer mental health coverage for addicts and non-addicts alike. Doctors have become well-aware of the chronic and crippling nature of depression and other mental illnesses, and employers have vested interests in helping their workers get well. Ultimately, employer-provided Humana insurance for rehab may be the best way for addicts to get the long-term addiction treatments and psychotherapies they need.
State and Federal Laws
There are a variety of laws which can help mentally ill addicts find coverage for integrated care. In 1996, Congress passed the Health Parity Act, and they added amendments in 2008. This act mandates that insurance companies must give the same considerations to mental illnesses as they do to physical diseases. While not all addicts are able to find the funds for long-term clinical rehab, they can often still get coverage for psychiatric care. Many states also place limits on the coverage reductions which PPOSs apply to out-of-network treatments.
Don’t let the confusing nature of Humana drug treatment insurance stop you from getting the help you need. Fill out the insurance verification form to the right of this page and find out what coverage you have now.