It can be one of the most trying health issues for anyone when dealing with addictions of any kind. This type of disease can have a major impact not just on the patient but also on the family members, coworkers, and even their surrounding neighborhood. Getting the help needed to break these practices is imperative.
Those who have Humana Insurance will find that there are a wide variety of options to choose from. The trick is finding the one program that is right for you. Whether you’re in need of inpatient or outpatient treatment you might need a little guidance to help you to decide which program is right for you.
Check Your Policy
It’s important to not conclude that because Humana contracts with a number of different preferred treatment centers that you qualify for the program of your choice. Humana also offers a wide variety of health insurance plans as well. It’s important that you consult with a professional to determine if you qualify for the plan of your choice. The amount of coverage that you have in your particular policy will determine if you qualify for a particular program.
Understanding the specific of your coverage can be a challenge so when you are ready to take on a substance abuse program it is important that you first contact Humana’s Addiction Treatment Services to help you clarify which direction is available to you. The ATS will review your plan and assist you in making the necessary decisions about what treatments options you have.
Factors That May Be Considered
Because Humana offers a number of different plans taking a closer look at the type of policy you have will reveal a lot. For example, if you have an employer-sponsored policy through your job then odds are that you are eligible for at least some of the costs of treatment covered.
The reason for this is because of the Mental Health Parity and Addiction Equity Act of 2008. This new law went into effect in July of 2010 and requires that companies with 50 or more employees offer coverage for mental health and substance abuse cases. These services must be offered at the same level and with the same deductible as they do for other services that a patient may need.
Chances are that if your employer has opted for this then you would be eligible to have at least some of the costs of rehab covered.
On the other hand, if you have an individual policy your coverage will depend largely on what options you chose when you opened it. If you opted to add mental health and addiction-coverage as an option then you’ll likely be covered. If that is the case Humana’s policy is to cover half of the expenses for rehab unless the treatment is recommended as part of a treatment for another diagnosed mental health disorder.
Work With Your Provider
If you’ve decided to seek out this treatment for yourself or someone else covered under your plan then you should begin by working with your insurance provider. Together you can go through treatment options to make sure that you get the coverage you deserve but are not hit with a major bill instead.
Ask pertinent questions like – Is my treatment covered under my plan? Which facilities will accept my insurance? What is the daily maximum coverage for inpatient rehabilitation? List all of the possible services covered by my policy. It is important that you know what to ask your provider to help you to select the right treatment options.
The truth is that dealing with any type of addiction is a very stressful situation. Without the aid of professional help few people have been able to beat this habit. But your help must start well before you get into a proper treatment facility. It must begin with getting the needed help in finding the right kind of program for your particular needs.
This is important not just from a financial standpoint but also from the health point of view. With so many different types of treatment options for so many different types of addictions you need to know which program will fit best with your particular needs. This is crucial from a number of perspectives. With the help of Humana’s Addiction Treatment Services, the burden of that decision can be eased a great deal. So, rather than trying to dissect all of the possible scenarios and decoding so much information you might want to start with Humana’s Addiction Treatment Services so that you can spend less time searching and more time healing.