Humana Insurance For Addiction Treatment Coverage

First, let us start with the basics and work our way to Humana rehab coverage. Doing so should hopefully help you better grasp Humana’s offerings, how they may benefit you, and how different plans may impact your final costs for different Harmony Ridge Recovery programs.

Humana Inc. is a for-profit health insurance company, founded in 1961. It is one of the largest health insurance providers in the United States, offering coverage to over 20 million Americans. Despite its for-profit model, Humana has collaborated with US government agencies, most notably with the Centers for Disease Control and Prevention (CDC).

Since the Medicare Prescription Drug, Improvement, and Modernization Act, better known as the Medicare Modernization Act (MMA), Humana’s plans which offer rehab coverage have become largely synonymous with Medicare in the public consciousness. For this reason, its general popularity aside, Humana is a very common health insurance provider for drug rehab for seniors.

Humana products

In total, Humana offers an array of health insurance plans. Those largely fall into 4 distinct categories:

• Medicare
• Dental
• Vision
• Employer Group

Products within each group would be too many to list here, however; for 2022 alone, Humana has announced an additional 72 plans among its offerings. As per the announcement, those include:

• 42 Non-SNP MAPD
• 3 MA Only
• 27 Special Needs Plans

Here, we will focus on Humana rehab coverage specifically. If you wish to explore other plans for other types of coverage, you may visit their official website linked above.

Rehab coverage – Humana Medicare

For drug rehab specifically, Humana offers Medicare plans. These are as follows:

• Medicare Part A, also known as hospital insurance. For drug rehab, such plans will cover hospital care costs.
• Medicare Part B, also known as medical insurance. For drug rehab, these plans will cover doctors’ expenses. In combination, Part A and Part B make up Original Medicare.
• Medicare Part C, better known as Medicare Advantage. These plans are required by law to offer all the benefits of Original Medicare.
• Medicare Part D, which consists of prescription drug plans.

That being said, there are many individual plans within each group, with each covering different services and coming with different premiums, deductibles, and so forth. Humana rehab coverage will also vary somewhat among different plans. For a closer exploration of such plans and their coverage, you may visit Humana’s Medicare coverage page.

Medicare eligibility

Unlike more general insurance plans, Humana Medicare plans are thankfully easy to calculate eligibility for. To be able to enroll in such plans you must be eligible for Medicare, for which the medicare.gov calculator initially lists two criteria:

• Date of birth; most people become eligible for Medicare at 65 years of age
• Having worked for at least ten years, during which you have paid Medicare taxes

Those aside, such factors as the following might make you eligible for Medicare earlier:

• Pre-existing conditions
• Illness
• Disabilities

For specifics in this regard, we strongly encourage you to consult the related US government’s official websites and resources.

Medicare costs

Finally, each Medicare plan’s costs will differ based on its type and individual scope. In turn, costs will also affect Humana rehab coverage – so this complex subject bears noting.

Medicare plan costs will generally change over time, making tracking them slightly harder. Still, as of 2021, their costs were as follows.

Part A

As one part of Original Medicare, Part A covers hospital care costs, which can become considerable over time. As of 2021, Part A came with:

• Typically no monthly premiums.
• An annual deductible of $1,484 for in-patient hospital stays, and varying coinsurance payments for days 61 to 90 and after day 91.
• 20% copay for Medicare-approved durable medical equipment (DME).
• $185.50 coinsurance payment for days 21 to 100 for a skilled nursing facility stay, after which the beneficiary pays for all costs.
• 20% copay for mental health services connected with a hospital stay.

Part B

The other part of Original Medicare, Part B handles medical coverage for doctors’ services, outpatient care, and so forth. As of 2021, Part B came with:

• A typical monthly premium of $148.50, which may increase based on income and late enrollment penalties.
• A $203 annual deductible.
• 20% copay for most doctor services while hospitalized, DME, outpatient therapy, mental health condition diagnoses, and outpatient services after the deductible.

Parts C and D

Unlike Original Medicare, Parts C and D are offered by private insurance companies contracted by the federal government. Both Humana rehab coverage and costs will vary too greatly across different plans to cover in full here.

Still, the following characteristics bear noting:

• Part C and D plans vary in cost, coverage, deductibles and copays. Still, some Part C plans come with $0 premiums.
• Both parts come with a late-enrollment penalty.
• Part D’s premium may vary based on your income.

As with all such information on costs, please note that all of the above are subject to change in 2022 and beyond. Always remember to verify these costs with your insurance provider.

That said, AAC concludes the above by correctly suggesting that “it’s always best to check with your insurance directly to verify your plan’s specific coverage”.

To do so, you largely have three options:

• Contact Humana. Even if their official resources feel sufficient, contacting your insurance provider directly is always the safest option.
• Consult your treatment providers. Beyond your own coverage, some treatment providers may not accept Humana – albeit rarely.
• Explore additional resources. After contacting Humana and your treatment providers, you may want to explore additional resources as well. AAC offers extensive help in this regard as well, should you need it.

Still, as highlighted above, not all rehab programs may be covered in full by all insurance plans. There may be duration limitations, varying deductibles and copayments, and more. In such cases, you will typically need to explore such self-financing options as:

• Self-pay
• Personal loans
• Medicaid

If you do choose Harmony Ridge Recovery for a West Virginia rehab program, we accept Humana and will help explore your coverage and self-financing options in full. We also proudly accept Medicaid and are among the few Medicaid-approved facilities in West Virginia.

Yes, absolutely. In cases where Humana rehab coverage does not extend to your treatment needs, self-financing options will typically include payment by family members. To reassure them that the funds are being used as intended, you will often have the option to arrange for direct payments to your treatment providers.

These arrangements might vary across treatment providers, however. As such, we strongly suggest that you verify this option with yours beforehand. If you choose Harmony Ridge, we are happy to review payment options and will help you make the needed arrangements.

If Humana rehab coverage concerns you, or you may want to explore other insurance options, Harmony Ridge accepts all major insurance providers, including:

• Humana Insurance
• Blue Cross Blue Shield
• TRICARE Insurance
• PEIA Insurance

As we’ve highlighted, exact coverage can differ quite significantly. To explore your coverage and our programs, we welcome you to contact our teams at (855) 942-3797 for a full review of both. Our representatives are at your disposal 24/7, and will always strive to offer you peace of mind as professionally and discreetly as possible.

Which Addictions Can Be Treated?

Thankfully, all known addictions can be treated with the proper rehabilitation process. Still, much like insurance plans, addictions can differ very notably from one another. The most crucial differentiator is often the exact substance one is addicted to.

At Harmony Ridge, we are fully aware of this fact and the different needs each addiction comes with. Therefore, we treat a wide array of addictions.

Cocaine addiction

A powerful and often dangerous illicit drug, cocaine is highly addictive. To address this, we offer extensive cocaine addiction rehab services.

Fentanyl addiction

A potent painkiller, fentanyl still sees considerable misuse which leads to addiction. As detox from it can be difficult, we offer thorough fentanyl detox treatment services which West Virginia continues to trust.

Heroin addiction

One of the most addictive illicit substances, heroin grips the brain and kindles dependence. With this in mind, and Humana rehab coverage in order, our heroin rehab centers come fully equipped to treat this kind of addiction.

Ambien addiction

Approved by the FDA to treat sleeping disorders such as insomnia, Ambien still sees misuse which can lead to addiction. For this reason we are proud to offer extensive Ambien rehab services.

Barbiturates addiction

A type of depressant drugs, barbiturates typically see use as treatment for sleeping disorders. Prolonged use and misuse might fuel addictions, however, making barbiturates rehab a necessity.

Benzodiazepine addiction

Better known as “benzo” then as its medical name, benzodiazepine is another type of depressants. Much like barbiturates, they do come with addiction risks which may necessitate benzo rehab.

Marijuana addiction

Often an illicit substance used recreationally, but also one with medical uses and legal status in some states, marijuana can also fuel addiction through prolonged use. To address this, we proudly offer marijuana rehab West Virginia has trusted for years.

Stimulants addiction

A broader category of drugs and substances, stimulants come in both medical forms which treat ADD and similar disorders, such as Adderall, and illicit forms used recreationally. Our stimulants addiction rehab center does make this distinction, but treats addiction to both types effectively and thoroughly.

Opiate addiction

Opiates are a subcategory of opioids, which continue to spearhead the nationwide opioid epidemic. Our opiate rehab center comes fully prepared to help tackle this public health emergency with due diligence. Thankfully, Humana rehab coverage typically extends to all such services.

Meth addiction

A common illicit drug, Methamphetamine is more often abbreviated as “meth” and is notoriously addictive. At Harmony Ridge we operate the meth rehab center West Virginia trusts to cater to this common and often dangerous addiction.

To get started with rehabilitation, you will typically have to consult your primary care physician (PCP) for an assessment of your case. They will in turn seek authorization to refer you to appropriate substance abuse treatment providers, and often handle your claims.

Alternatively, you may contact treatment providers yourself – especially if you also want to verify your coverage. Their representatives and admission managers will help explore your options, and often contact Humana on your behalf to verify your benefits. Such services are always strictly confidential, and are often free of charge. If you do so, your treatment providers may make arrangements at your request to begin the admissions process.

What Medicare plans are available to me?

Human offers four insurance groups when it comes to drug rehab: Medicare Part A (hospital insurance), Medicare Part B (medical insurance), Medicare Part C (Medicare Advantage), and Medicare Part D (Prescription drug plans). Each group is comprised of many individual plans which cover different services. Of course, each plan comes with its own deductibles, premiums, etc. To find the details of individual plans, you may want to contact Humana directly. You can do so through their website or by calling 1-800-787-3311 directly.

Who is eligible for Humana Medicare insurance plans?

There are two criteria upon which eligibility for Humana insurance is calculated: Date of birth and employment duration. This is practically the same as the requirements for Medicare itself. You become eligible at 65 years of age, and you have to have worked for at least ten years while paying Medicare taxes. It is possible to gain eligibility earlier than that if you have pre-existing conditions, disabilities, or illnesses. If you need more specific information, you may want to visit the US government’s Medicare website.

What are Humana Medicare costs?

The costs involved in Humana Medicare insurance plans depend on the insurance group.

For Part A, you can expect no monthly premiums, an annual deductible of $1,484 for in-patient hospital stays, varying coinsurance payments after day 91, a 20% copay for Medicare-approved DME (durable medical equipment), a 20% copay for mental health services during your hospital stay, and a $185.50 coinsurance payments for days 21 to 100 for your stay in a skilled nursing facility.

Part B will handle medical coverage for outpatient care, doctor’s services, and similar. It comes with a monthly premium of around $150. The exact amount depends on your income as well as any penalties due to late enrollment. This part also comes with a $203 annual deductible and a 20% copay for most doctor services, DME, mental health diagnoses, outpatient therapy, and any outpatient services after the deductible.

Parts C and D are quite complicated, and determining their coverage and costs is practically impossible to do on average. The only thing that is consistent is that both parts come with a late-enrollment penalty and that Part D’s premium varies based on your income.

What types of programs do Humana insurance plans cover?

Humana insurance plans will provide coverage for both inpatient and intensive outpatient programs. To qualify for coverage, however, your doctor must provide you with a certification that intensive rehabilitation is necessary and that you require continued medical supervision.  The doctor does not need to be a part of the Humana network but they have to be a licensed practitioner that is also recognized by Humana.

Does Humana cover alcohol rehab?

Yes! Alcohol rehab is explained under the behavioral health component of Humana insurance plans. The plan itself may cover MAT (Medication-Assisted Treatment), counseling/therapy, as well as inpatient/outpatient treatment. However, the exact coverage depends on your plan. Before you enroll in any of the alcohol rehab programs, it is in your best interest to check the exact specifics of your health insurance plan.