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Humana Insurance for Addiction Treatment

Once you have decided to pursue alcohol or drug addiction treatment, for yourself or your loved one, the question of how to pay for rehab can be a major concern. However, if you have a Humana Health Plan, then at least a portion of your rehab will be covered. This page will share information on Humana, how your insurance plan may cover substance abuse treatment, and how to verify the benefits you have under your specific plan.

Please note: American Addiction Centers (AAC) strives to provide you with the most updated information on each carrier’s addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. AAC is not affiliated with or endorsed by Humana or any of its licensees.


Does Humana Cover Addiction Treatment?

When it comes to alcohol and drug addiction, the cost of treatment can be a major concern. So, does Humana cover detox or treatment for a substance use disorder (SUD)? Most Humana plans provide addiction treatment coverage. Humana plans that include behavioral health benefits may include coverage for alcohol or drug addiction treatment.1 The level of coverage varies for different types of Humana Health insurance plans. Most Humana plans, including Medicaid and Medicare plans, provide a certain level of outpatient and inpatient treatment for substance abuse and mental health, though coverage varies based on the individual plan.

The Affordable Care Act (ACA) requires that all insurance companies provide coverage for alcohol and drug treatment. The ACA requires all health insurance plans cover behavioral health treatment, mental health inpatient services, and substance use disorder (SUD) treatment.2

The cost of your treatment, and how much you are responsible for covering, depends on the state you live in, the treatment you need, the insurance plan you have, and whether you choose an in-network or out-of-network program. Regardless of the facility or your insurance policy, you will most likely have to cover some of the costs.


How to Check Your Insurance Benefits?

Before choosing the right rehab treatment center for you, check your Humana policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card or log in to your account on Humana’s website to learn more about what your specific policy plan covers.

Knowing exactly what your Humana plan covers can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on Humana insurance plans and to check what your plan covers, call , click here, or fill out the form below.


What Are Humana Plans and Coverage Levels? 

Humana is one of the largest insurance companies in the country, providing healthcare coverage to over 16 million people.3 Health plans provided by Humana include well vision and dental coverage, prescription drug, and employer-provided group plans.4

Depending on your insurance plan, treatment may be available in different states at facilities that accept Humana. Humana requires that you pay a specific amount of out-of-pocket expenses towards your health care costs every year before it starts paying for your medical bills. Talk to Humana about your costs for rehab if you have an individual policy. If you have group insurance through your employer, the company may cover your treatment.

Humana, Medicare & Medicaid

For those who have insurance through Medicare, Humana has various Medicare coverage plans that provide insurance to more than 8 million Medicare recipients in the country.5

Individuals with Medicaid can obtain Humana Medicaid managed care plans in Illinois, Kentucky, and Florida. In addition, military service members can receive coverage through Humana Military, which has partnered with the Department of Defense to provide TRICARE healthcare for military members, retirees, and their families.6


What Types of Addiction Treatment Does Humana Cover?

With Humana plans covering at least some of the costs of treatment for alcohol addiction or drug addiction, the types of treatment can vary in intensity and frequency. Types of treatment may include:7,8

  • Detox: Medical detox helps you withdraw safely from drugs and alcohol. Under 24/7 medical supervision, staff will work closely with you—and may prescribe medications to help ensure that you withdraw safely and that your symptoms are addressed as needed.
  • Inpatient or residential treatment: With inpatient treatment, you receive treatment and live at the facility. Inpatient treatment typically involves group and/or individual therapy. It is often recommended for individuals with co-occurring mental health issues, limited outside support, home environments that don’t lend themselves to sobriety, and poor treatment outcomes in the past.
  • Partial hospitalization: These programs allow you to live at home throughout treatment and spend your days at the treatment facility. This is sometimes referred to as day treatment.
  • Intensive outpatient programs: These programs typically involve attending treatment programs approximately 3 evenings a week. People in these programs can live at home and go to work during the day.
  • Outpatient treatment: An outpatient facility lets you meet with doctors and therapists, and you can even attend group sessions and recovery meetings before heading back home at the end of the day. With a residential program, you get the chance to focus solely on your recovery without any daily tasks getting in your way or slowing down your progress.

When you decide to get treatment for a drug or alcohol addiction, you will need to decide what type of treatment is best for you.


Do Treatment Centers Need to Be In-Network?

In most cases, you will need to seek treatment at a facility that is in-network with Humana to receive your full benefits. Even if you choose a treatment facility that is in-network, you may still be responsible for some of the treatment costs.

If you choose a facility that is out-of-network, you may be responsible for all the costs of your addiction treatment. You may be able to discuss financing options such as a payment plan or scholarships offered by the facility.


How to Verify the Coverage of Your Humana Plan?

The cost of treatment will vary from person to person. It depends on the type of program, the facility, and the services provided.

If you are unsure about what your individual insurance plan covers, call Humana to speak to a support representative about which type of addiction treatment is covered under your plan. Once you learn the details, then you can begin researching programs that suit your needs.

AAC can verify your insurance coverage as well. On our insurance verification page, you can enter your information and immediately see if the facility you are considering is in-network with Human. Or, call one of our admissions navigators at to have them check your benefits and answer any questions about your coverage.

If you need addiction treatment and you are covered by any type of Humana Health plan, it is likely that you have benefits that may cover at least some of the cost of alcohol or drug rehab. Reach out today to get answers to your questions so you can begin your journey toward recovery.


What Should I Do if Humana Won’t Cover the Total Cost of Rehab?

If your Humana insurance policy does not cover all your rehab expenses, it’s important not to let that stop you from getting treatment. You don’t have to use insurance when you decide to check into rehab. There are many other ways to finance your treatment and get the help you need. Some ways to pay for rehab include:

  • Payment plans: You pay off rehab in affordable installments.
  • Sliding scale: The rehab decreases your cost to something you can reasonably afford—typically based on your income level.
  • Grants or scholarships: The Substance Abuse and Mental Health Services Administration (SAMHSA), as well as individual rehabs, offer grants and scholarships to pay for people who can’t afford treatment.
  • Purchase affordable insurance on the Healthcare Marketplace.
  • Open a healthcare credit card or take out a specialized healthcare loan.
  • Use your savings or a credit card.

Make sure to do thorough research when looking for rehab so that you can find one that meets your financial needs.

Here are additional resources that provide more information about other ways to pay for rehab with or beyond what Humana covers:

We know that finding a rehab center is a confusing task, but we’re ready to help you navigate through the world of treatment centers. Call one of our admissions navigators if you’re worried about a loved one or you’re ready to take action to begin the process toward recovery.


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(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Humana.)


Sources

  1. Humana. (2021). Don’t let substance use disorders have the last word.
  2. Healthcare.gov. (2021). Mental Health and Substance Abuse Coverage.
  3. Humana. (2019). 2019 Annual report.
  4. Humana. (2020). Affordable insurance plans for you and your family.
  5. Humana. (2018). Humana received 5-star quality ratings for two Medicare contracts reflecting the company’s focus on quality in both member experience and clinical outcomes.
  6. Humana Military. (2021). About Us.
  7. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
  8. National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.

More resources about Humana Insurance for Addiction Treatment: