Addiction Treatment Covered by Humana Insurance

Humana is one of the largest health insurance providers in the United States, serving more than 16 million members across several states, including Florida and nearby areas.¹

Humana may cover addiction treatment, but the extent of coverage varies from plan to plan.

Read on to learn more about using Humana to pay for drug and alcohol rehab and how to easily check your insurance benefits.

Does Humana Cover Substance Abuse Treatment?

Yes, Humana insurance plans typically cover addiction treatment in some capacity. But the amount of coverage changes, depending on the specific plan.

In 2008, Congress enacted the Mental Health Parity and Addiction Equity Act to ensure insurance companies provide coverage for mental health and substance use disorders at the same level they cover medical and surgical benefits.²

Thanks to the Affordable Care Act, mental health and substance use disorder services are now considered essential health benefits.³ This means Marketplace health insurance plans —including some Humana plans—must cover these services to some degree.

In Florida, coverage for drug and alcohol rehab fluctuates based on the individual insurance plan. Humana provides individual and family health insurance, along with group plans and Medicare Advantage plans.⁴

Choosing an in-network provider will usually lower the cost. Several local facilities are in-network with Humana, including River Oaks Treatment Center in Tampa.

Navigating the complex waters of insurance can be tricky, but we are here to help you along the way.  To find out more about what your Humana insurance plan covers, fill out our quick and secure . You will receive an email within minutes that provides important details and next steps.

Using Humana Insurance to Pay for Rehab at River Oaks

To use Humana insurance to pay for rehab at River Oaks, you must first confirm your coverage.

Rehab centers that are in-network with Humana have an agreement with the insurance provider to offer treatment at a lower rate than other rehab centers. Out-of-network facilities do not have an agreement with Humana and generally cost more than in-network providers. Working with an in-network treatment facility, like River Oaks, helps keep your out-of-pocket costs down.

Find out exactly what your Humana substance abuse coverage entails by calling the number on the back of your insurance card and asking about your behavioral health benefits. An associate will work with you to determine which treatments your plan covers and help connect you with an in-network provider.

You can also log in to Humana’s online member portal, called MyHumana, to access important health plan details and learn more about what your specific plan covers.

You don’t have to go through this experience alone. Our admissions navigators are here to help you through the process. Call us directly at to speak with someone who can verify your insurance right away and help get you on the path to recovery.

Types of Addiction Treatment Covered by Humana

There are many different types of addiction treatment available. The services and therapies covered by your insurance plan will depend on the kind of policy you have.

Treatment may vary based on personal history and circumstances surrounding your substance use disorder. Humana will only cover treatment deemed medically necessary. This means they might require a referral from your primary care physician or therapist and will evaluate coverage on a case-by-case basis.

Our staff at River Oaks can help you get a pre-authorization before admitting you into treatment, and is always available to answer questions and ensure you get the care you need.

How Much Does Drug & Alcohol Rehab Cost With Humana Insurance?

The cost of drug and alcohol rehab differs, depending on the level of care you need, how long you stay in rehab, and the type of insurance coverage your plan offers.

There are payment options to help you cover the costs of rehab that insurance won’t cover.

Generally, Humana in-network inpatient rehab facilities provide treatment at a lower cost than out-of-network facilities. So, try to choose an in-network facility whenever possible.

Why You Should Consider Using Humana to Pay for Addiction Treatment

One of the most important reasons to use Humana health insurance to pay for drug or alcohol rehab is that it may make the cost more affordable.

Florida is a beautiful tropical state surrounded by the ocean with a diverse population of over 21 million people.⁷ But despite its idyllic locale, many Floridians struggle with substance use disorders and are addicted to prescription drugs, street drugs, and alcohol.

The 2019 National Survey on Drug Use and Health estimates that about 2.7% of Florida’s population—approximately 490,000 people—have an illicit drug use disorder.⁸

If you live in Florida and are battling addiction, you are not alone. Addiction is a complicated but treatable disease.⁶ Seeking care at a quality treatment center, like River Oaks, can help you get and stay sober.

To learn more about your Humana coverage, fill out the insurance verification form below and we will respond in just a few minutes. This is the first step on the road to recovery. Now that you are here, let us assist you with the rest.