WHAT YOU NEED TO KNOW

• River Oaks is in-network with Humana, covering medical detox, inpatient rehab, PHP, IOP, outpatient, MAT, and virtual IOP
• Humana serves 16+ million members; federal law requires equal coverage for addiction treatment as medical/surgical services
• Humana Behavioral Health manages SUD cases, reviewing care levels and connecting members with in-network facilities
• Most Humana plans require pre-authorization or PCP referral; River Oaks navigators handle coordination
• Call for free, confidential Humana benefits verification

Humana Insurance Coverage for Addiction Treatment at River Oaks

Humana is a major national health insurance provider serving over 16 million members across the United States, including Florida. 

Humana offers group plans, individual/family plans, Medicare Advantage, and Medicaid coverage. River Oaks Treatment Center in Riverview, FL (Tampa metro) is in-network with Humana, meaning lower out-of-pocket costs and faster approvals. 

This guide explains Humana coverage, Behavioral Health benefits, costs, and how to access treatment.

Does Humana Cover Drug and Alcohol Rehab in Florida?

Yes. Most Humana plans cover addiction treatment. The Affordable Care Act (ACA) requires most health insurance plans to cover behavioral health services including SUD treatment. 

The Mental Health Parity Act requires equal coverage to medical/surgical care. Humana Behavioral Health manages all addiction treatment cases, reviewing appropriate care levels and connecting members with in-network facilities like River Oaks.

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.

What Addiction Treatment Services Are Covered?

Medical Detox: 24-hour supervised withdrawal management. Learn about medical detox.

Inpatient/Residential Rehab: Full-time residential treatment with daily therapy and 24/7 oversight. Here’s more info about inpatient rehab near Tampa.

Partial Hospitalization (PHP): 6-hour sessions, 5 days weekly intensive treatment. Learn about PHP program.

Intensive Outpatient (IOP): 3+ hours, 3+ days weekly; virtual IOP also available. Get info on IOP at River Oaks.

Outpatient Treatment: Weekly therapy for ongoing support. Learn about outpatient options.

Medication-Assisted Treatment (MAT): FDA-approved medications with behavioral therapy. Learn about MAT and methadone detox.

Telehealth/Virtual IOP: Online IOP sessions Mon-Wed 5-8 PM. Learn about telehealth options.

Co-Occurring Disorder Treatment: Integrated dual-diagnosis care for mental health + addiction. Learn about co-occurring disorders.

Fast Chart: Treatment Levels at River Oaks

Understanding Your Out-of-Pocket Costs

Deductible: Annual amount before coverage begins.

Copayment: Fixed fee per visit.

Coinsurance: Percentage split after deductible.

Out-of-Pocket Maximum: Annual cap; then 100% coverage.

In-Network Savings: River Oaks is in-network, meaning lower costs.

River Oaks offers flexible payment options and financing.

How to Verify Your Insurance

1. Call River Oaks: Call . Navigators verify coverage at no cost.
2. Online Verification: Complete the secure form at riveroakstreatment.com.
3. Call Member Services: Call number on your insurance card for plan details.
4. Review Your SBC: Check your Summary of Benefits online.

Humana Behavioral Health and Pre-Authorization

Humana Behavioral Health is a specialized team that manages addiction and mental health treatment cases. 

They review each case to determine the appropriate level of care and connect you with in-network providers. 

Most Humana plans require treatment to be deemed medically necessary, which may mean obtaining pre-authorization or a PCP referral before starting treatment. River Oaks admissions navigators coordinate directly with Humana Behavioral Health on your behalf.

Humana Plan Types

Humana offers Employer/Group plans with robust behavioral health coverage, Individual and Family plans purchased directly, Medicare Advantage plans for individuals 65+ with supplemental behavioral health benefits, and Medicaid Managed Care for low-income individuals with minimal cost-sharing.

About River Oaks Treatment Center: In-Network Provider

River Oaks is a Joint Commission-accredited addiction treatment facility in Riverview, FL (Tampa metro) with 900+ years of combined clinical experience:

• Medical detox with 24/7 nursing and physician oversight
• Inpatient rehab with hotel-inspired amenities
• Specialized programs: Veterans, First Responders, LGBTQ+, Couples
• Mental Health Services center for psychiatric conditions
• Evidence-based therapies: CBT, CM, MET, family therapy, biosound
• Aftercare planning and alumni program
• MAT including methadone detox
• 90-day Brand Promise guarantee
• Joint Commission accredited, BBB rated, LegitScript certified
• PsychArmor Veteran Ready, Tampa Bay LGBT Chamber member

Other Insurance Plans Accepted

• Aetna coverage
• Cigna coverage
• UHC/Optum coverage
• Ambetter coverage
• BCBS coverage
• First Health coverage
• Humana coverage
• TRICARE coverage
• Magellan coverage