Using Humana Health Insurance for Addiction Treatment

Humana is a large insurance company that operates throughout the United States, including Mississippi and its surrounding states. You can get a variety of health insurance plans, including group plans, Medicare Advantage, and family or individual health insurance.1

If you’re curious about how to use your Humana coverage for addiction treatment, you’re not alone. The good news is that Humana has coverage available and several Mississippi facilities are in-network, including Oxford Treatment Center.

Does Humana Insurance Cover Substance Abuse Treatment?

Yes. If you have Humana insurance, it should cover all or part of your treatment for addiction. The specifics will vary depending on the particular plan, but most health insurance plans offer at least some coverage for alcohol and/or substance use disorder.

This is due to stipulations set forth by the Affordable Care Act, which defines mental and behavioral health services as essential benefits.2 In addition, the Mental Health Parity and Addiction Equity Act requires private health plans that provide coverage for mental health and addiction programs to do so at the same level as other medically necessary care. That means you can’t be charged extra just because you need substance abuse treatment.3

Humana addiction treatment is managed through Humana Behavioral Health. These teams review cases to determine the best level of care, and then help connect you with the appropriate facilities and specialists.4

The first step is to fill out to learn more about your insurance benefits. Our admissions navigators are here to guide you and answer your questions about treatment.

Which Types of Addiction Treatment Are Covered by Humana?

Photo of a large multistory building with the Humana logo on it.Humana covers a variety of drug and alcohol rehab options. However, you will need to work with your doctor to determine the right treatment plan for your specific needs.

Types of addiction treatment include: 5

  • Medication-assisted treatment
  • Counseling
  • 12-Step programs
  • Peer groups
  • Inpatient treatment

Getting the right level of care is essential when it comes to reaching recovery and maintaining sobriety.

The Cost of Rehab With Humana Insurance Coverage

The cost of drug rehab with Humana insurance depends on a variety of factors.

These include:

  • Insurance deductible. This is the amount you’ll pay before insurance coverage kicks in. Be sure to inquire about copayments and coinsurance, which could increase or decrease the overall cost.
  • In-network vs. out. Choosing a provider, or rehab facility, that is in Humana’s network will likely be less expensive than choosing a program outside the network.
  • Length and type of treatment. Longer treatment plans will often be more expensive than shorter ones. Though any length of treatment can have benefits, research suggests that sticking with treatment for longer periods of time can improve outcomes in helping people reduce or stop their continued substance use.6

Don’t let the cost hold you back from seeking help. There are a lot of ways to pay for rehab, and most treatment centers have flexible payment plans and other financing options to assist with out-of-pocket costs.

The most important thing is to ensure you or your loved one gets the appropriate treatment and on the path to recovery.

How to Use Humana Insurance to Pay for Rehab

To use your Humana insurance for rehab, the first step is to check your coverage. Simply fill out the form at the end of this article to see what your plan may cover. Oxford Treatment Center is in-network with Humana, and our admissions navigators can help you discover ways to maximize your benefits.

To fill out the form, you only need a few pieces of information: your name, email, phone number, insurance carrier, and member number. You’ll get a response from us in just a few minutes.

Once you’ve checked your insurance coverage, talk to your doctor about your substance use. It’s important to be honest, so you can get the care you need. Your insurance plan may also require a doctor’s referral before they pay for treatment.

If you need immediate help or want to learn more about the admissions process, we’re here for you. Call us anytime using our 24/7 phone number at .

Reasons to Use Humana Insurance to Pay for Rehab

Health insurance exists so people can get care for their medical needs, and overcoming addiction is a medical need.2

Humana health insurance can help you afford treatment in a way that might otherwise be impossible if you had to pay for everything yourself. It also allows you to choose a high-quality treatment center with proven results, like Oxford Treatment Center.

Drug use, especially the misuse of opioids, is a serious problem in Mississippi. In 2018, nearly 60% of drug overdose deaths involved opioids, and Mississippi providers write 76.8 opioid prescriptions for every 100 people, compared to the U.S. average of 51.4.7

This shows that addiction treatment is an essential resource for state residents. At Oxford, we’re proud to help people break free from the grip of drugs and alcohol and begin the journey toward a healthier, happier life. Give us a call at for more information.