Answer: Humana covers a range of treatment programs for substance use disorder (SUD) treatment, with a variety of health services.
Depending on your needs and goals, you may want to choose a specific type of treatment service to start your journey.
You may be able to get the following treatment options covered through your Humana healthcare plan.
Most Humana health insurance plans will cover at least a portion of medical detox services. Some plans will require a copay while others may require coinsurance.
Medical detoxification, or detox, is an evidence-based service that is provided at the start of a treatment program. Detox helps rid the body of any remaining addictive substances while managing withdrawal symptoms.
In addition to helping you get through withdrawal, detox services also monitor your vitals and administer any necessary medications to ensure you detox safely.
Many Humana plans offer some coverage for MAT, but may require prior authorization.
Medication-assisted treatment, often referred to as MAT, is a rehab service that uses U.S. Food and Drug Administration approved medications to treat SUD.
MAT is a very tailored-to-the-individual type of service, as your treatment provider will determine the appropriate medication dose for your needs. This type of care can help manage withdrawal symptoms like cravings and reduce the risk of relapse post-treatment.
Inpatient treatment is often covered to some extent by Humana insurance plans, but many require a copay.
Inpatient rehab is treatment that takes place in a designated facility where participants stay for the entire program. Inpatient treatment offers an intensive level of care with a structured regimen and 24-hour supervision.
Many people start with inpatient treatment and later step down to other services like outpatient rehab. Inpatient rehab combines several different treatment approaches including therapy, group counseling, and more.
Dual Diagnosis Treatment
Similar to inpatient treatment, coverage for dual diagnosis treatment through Humana is dependent on your plan, but many offer some coverage.
Dual diagnosis treatment refers to the treatment of addiction alongside simultaneous mental health disorders, known as co-occurring disorders. Co-occurring disorders are often the root of addiction.
In dual diagnosis programs, you can expect to receive treatment for your mental health issues and addiction through services like behavioral therapy and counseling.
Outpatient Treatment Programs
Humana plans that offer coverage of outpatient treatment often require a copay for each visit to the outpatient treatment center. The details of this coverage will differ between plans, however.
Outpatient treatment may be considered to be a step down from inpatient treatment. This is because outpatient programs do not require individuals to stay in a treatment center throughout their treatment, but rather, to travel to a rehab facility several days a week for a set amount of hours.
Aside from traditional rehab, outpatient programs can also include programs like partial hospitalization programs (PHP) or intensive outpatient programs (IOP).
Counseling & Behavioral Therapy
Most Humana plans cover addiction-related therapy. If the therapy is provided through an inpatient or outpatient program, it will depend on the coverage offered for that type of program.
Counseling and behavioral therapy are two facets of talk therapy often used in different addiction treatment programs. Counseling focuses more on talking with a professional or group about your emotions and concerns throughout your recovery journey.
On the other hand, behavioral therapy is talk therapy that focuses on changing an individual’s behavioral and thought patterns. Some commonly offered behavioral therapy options include cognitive behavioral therapy (CBT) and dialectical behavioral therapy (DBT).
Coverage for continuing care will depend on the kind you receive. For example, support groups may be free to attend within a community whereas sober living requires rent payments. Sober living is covered by some Humana plans.
Continuing care, sometimes referred to as aftercare, is any addiction treatment service that is continued after completing a treatment program.
Aftercare differs from person to person, as it is a very individualized approach, but it may include therapy, counseling, support groups, or sober housing.