Humana Insurance Coverage for Drug and Alcohol Rehabilitation

Humana is an insurance that offers many benefits within each plan. Trying to navigate all the insurance terminology on your own can be a little tricky…But don’t feel overwhelmed! We’re here to show you the ropes and give you the confidence you need to begin treatment. Keep reading to learn more about what your Humana Insurance covers for drug and alcohol rehabilitation. 

Does Your Policy Cover Rehab?

When it comes to Humana insurance, there’s a wide range of different plans and policies. Your policy will cover different portions of drug and alcohol rehabilitation depending on your plan. Here at Amethyst, we gladly work with Humana Insurance to find the best treatment at the lowest cost.

Humana Insurance for Drug and Alcohol Treatment

Fortunately, we’ve found that Humana offers really great policies when it comes to substance abuse treatment. Humana Insurance tends to cover a large portion of fees when it comes to drug and alcohol rehabilitation. Whether you’re looking for inpatient or outpatient rehab, there’s a way to make it work financially.

In order to properly assess your benefits, we’ll do a thorough review of your type of coverage. Depending on your plan, the details of the policy will vary. That’s why we’ll make sure that we:

  • Professionally review your Humana Insurance plan.
  • Validate what kind of substance abuse treatment you qualify for.
  • Determine the out-of-pocket costs you’ll have to cover.
  • Explain to you the different options you have for treatment (length of time, inpatient vs. outpatient, etc.).

Overcoming addiction is no easy task. It requires dedication, effort, and patience. However, it is equally as important to seek treatment at a place that understands you. We would be honored to be that place for you or a loved one. We believe in tailoring each treatment to an individual’s needs.

Policy Coverage for Substance Abuse with Humana Insurance

Depending on your plan, your policy coverage with Humana Insurance will vary. Humana Insurance covers a variety of different policies when it comes to drug and alcohol rehabilitation

Some policies cover more costs than others. It is also dependent upon what type of treatment you enroll in. We have a team of specialists that are experts in reviewing different insurance policies and plans. We’ll make sure you get the most out of your benefits regardless of your plan.

In addition, our clinical professionals can also offer you a doctor’s referral to show your insurance if needed. We’ve helped clients with a variety of different plans, so we know how to get the most coverage out of each plan.

Humana Policies Work for Detox At Addiction Treatment Centers

The first challenge one usually has to overcome with addiction is the detox process. Detoxing is when you rid yourself of the substance you’ve been using through medical supervision. After using a specific substance for a long time, your body becomes dependent on it. Stopping cold-turkey can lead to a variety of health complications, some even fatal. That’s why it’s so important to make sure you do this at a specialized facility, such as ours. Whether you’re struggling with alcoholism, opioid addiction or cocaine abuse –  withdrawal symptoms can be intense. 

Withdrawal symptoms are dependent upon a variety of factors. This can include how long somebody has been using the drug and how much of it they used each time. Some common symptoms can include:

  • Fatigue
  • Depression
  • Headaches
  • Anxiety
  • Seizures
  • Irritability
  • Cognitive impairment

Our detox program offers people the opportunity to end substance use in a secure and comfortable manner. 

Humana Covers Inpatient and Outpatient Treatment

Humana’s policies cover both inpatient and outpatient treatment depending on your plan. Inpatient rehabilitation, otherwise known as residential treatment, requires living at the facility during treatment. Inpatient rehab offers around-the-clock care under a medically trained staff. On the other hand, outpatient treatment is a more flexible option. Outpatient treatment often works for those who have obligations outside of treatment. This can include caring for a child or a job you cannot miss.

You may favor one treatment over the other, however we like to make sure to discuss the pros and cons of each option. Sometimes individuals may want one, but need the other. We pride ourselves in transparency and want to have an open discussion with you or your loved one. Overcoming addiction is not a one-size-fits-all process. After discussing the treatment options that work best with your plan, we’ll come to a decision together. Since each plan varies, we urge you to call us today and find out more about how Humana Insurance can help you. 

Costs and Services at Inpatient Rehab

As mentioned earlier, insurance terms can be a little confusing. However, we assure you it’s nothing too complicated once you become acquainted with them. Although we’ll take care of all the details for you, we want you to be informed. Whether it’s you or a loved one going through addiction, the more you know the better.


Your health insurance plan premium is the payment you make to your health insurance company that allows your coverage to function.

Out-of-Pocket Maximum

Within a plan year, this is the largest sum that you have to pay for covered services. First, you have to spend this amount on deductibles, copayments, and coinsurance. Once this is taken care of, your health plan will account for the rest of your covered benefits costs. The out-of-pocket limit doesn’t incorporate your monthly premiums.

Policy Effective Date

Your policy-effective date is when you can begin to access your benefits. Open enrollment period is generally a set amount of time that takes place once a year, or during a specific enrollment period. After official enrollment, it typically happens within a few weeks or months.


This is the amount you pay for covered health care services in a given plan year before when your insurance will start to pay for them. For example, let’s say you have a $2,000 deductible. In this case, you pay the first $2,000 of covered services yourself. 

After you pay your deductible, Humana will generally cover the remaining costs.


In order to receive a specific medical service or supply, this is the cost that you’ll have to pay before your health insurance takes care of the rest. For example, your health insurance plan may require a $15 copayment for pharmaceutical medicine. 

Humana Coverage for Mental Health Treatment

Humana Insurance prioritizes mental health treatment as well as the physical aspect of recovery. This is crucial because when it comes to addiction, both go hand in hand. This is referred to as dual diagnosis. Dual diagnosis is a powerful part of treatment. Addiction often has underlying mental and emotional roots. When you get to the bottom of those roots, the road to recovery becomes a lot smoother. Through Humana Behavioral Health, Humana helps those struggling with mental illness too. If you have a traditional Humana HMO plan, you’ll find that there’s coverage for mental health treatment. Contact us today to learn more about mental health treatment with drug and alcohol rehabilitation. 

Walking You Through Your Humana Benefits

Humana Insurance has a ton of benefits regardless of your plan. Although some policies cover more than others, we’ll get the most out of your benefits. 

To reiterate, our team of professionals will thoroughly review your plan and determine what your best, lowest-cost options are. You can expect us to:

  • Review the ins and outs of your entire Humana Insurance plan.
  • Understand the different kinds of benefits your specific plan offers.
  • Determine what the best and most-effective treatment is for you or a loved one.

Amethyst Is Here for You

Here at Amethyst, we want you to feel comfortable and secure on your road to recovery. Humana Insurance offers many great benefits when it comes to seeking drug and alcohol rehabilitation. 

We’ll make sure you understand and get the most out of these benefits. No matter how lost you or a loved one may feel, there is always a light at the end of the tunnel. 

We assure you that calling us is a great first step. We’ll make sure to give you an in-depth review of everything, without much effort on your part. It’s important for you to focus on getting better while we focus on the nitty-gritty details like insurance. Give us a call at 888.447.7724 or contact us here, and let us take the first step with you on the road to recovery


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