Using Humana Health Insurance for Addiction Treatment in Mississippi
WHAT YOU NEED TO KNOW
- Oxford Treatment Center is in-network with Humana, covering medical detox, inpatient rehab, PHP, IOP, outpatient, MAT, and aftercare
- Humana Behavioral Health manages all addiction treatment cases, reviewing care levels and connecting members with appropriate facilities
- Federal law (ACA + Mental Health Parity Act) requires Humana to cover addiction treatment at the same level as medical/surgical services
- Mississippi has one of the highest opioid prescription rates in the U.S. (76.8 per 100 people vs. national average of 51.4), making treatment access critical
- Call for free, confidential Humana benefits verification; admissions navigators check coverage immediately
Humana Insurance Coverage for Addiction Treatment at Oxford Treatment Center
Humana is a major national health insurance provider operating throughout the United States, including Mississippi and surrounding Southern states. Humana offers group plans, individual and family plans, Medicare Advantage, and Medicaid coverage.
If you have Humana insurance and are struggling with drug or alcohol addiction, your plan likely covers some or all of the cost of treatment. Oxford Treatment Center’s inpatient rehab program in Mississippi is in-network with Humana, meaning lower out-of-pocket costs and streamlined approvals.
This guide explains Humana’s addiction treatment coverage, Humana Behavioral Health, plan types, costs, and how to get started.
Does Humana Insurance Cover Substance Abuse Treatment?
Yes. Humana covers substance use disorder treatment under federal mandate. The Affordable Care Act defines mental and behavioral health services as essential benefits that all plans must cover.
The Mental Health Parity and Addiction Equity Act requires Humana to provide coverage for addiction treatment at the same level as other medically necessary care.
You cannot be charged extra because you need substance abuse treatment. Humana addiction treatment is managed through Humana Behavioral Health, a specialized team that reviews cases, determines appropriate levels of care, and connects members with in-network facilities and specialists.
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.
What Addiction Treatment Services Does Humana Cover?
Medical Detox: 24-hour medically supervised withdrawal management with medications, vital sign monitoring, and nursing care.
Inpatient/Residential Treatment: Full-time residential care at Oxford’s 100+ acre campus with daily therapy, equine therapy, and 24/7 medical oversight.
Partial Hospitalization (PHP): 6-8 hours daily intensive treatment, 5 days weekly as step-down from residential or intensive entry point.
Intensive Outpatient Program (IOP): 9-15 hours weekly flexible outpatient treatment allowing work, school, or family responsibilities.
Standard Outpatient/Counseling: Individual and group therapy sessions on a weekly or bi-weekly basis for ongoing recovery support.
Medication-Assisted Treatment (MAT): FDA-approved medications (buprenorphine, naltrexone, acamprosate) combined with behavioral therapy.
12-Step and Peer Support Programs: Facilitated access to AA, NA, SMART Recovery, and community-based peer groups.
Co-Occurring Disorder Treatment: Integrated dual-diagnosis care for depression, anxiety, PTSD, and other mental health conditions alongside addiction.
Chart: Humana-Covered Treatment Levels at Oxford
Treatment Level |
Hours/Week |
Setting |
Best For |
Typical Duration |
Medical Detox
|
24/7
|
Inpatient hospital
|
Active withdrawal; alcohol, opioid, benzo dependence
|
5-10 days
|
Residential/Inpatient
|
24/7
|
Oxford campus, Etta, MS
|
Moderate-to-severe SUD; unsafe home environment
|
28-90+ days
|
PHP
|
30-40 hrs/week
|
Outpatient center
|
Step-down from inpatient; needs intensive support
|
3+ months
|
IOP
|
9-15 hrs/week
|
Outpatient center
|
Stable housing; work/family obligations
|
2-12 months
|
Standard Outpatient
|
1-4 hrs/week
|
Outpatient center
|
Ongoing support; relapse prevention
|
6-12+ months
|
Understanding Your Out-of-Pocket Costs with Humana
Deductible: Annual amount you pay before Humana begins covering services. Higher-deductible plans have lower monthly premiums.
Copayment: Fixed fee per visit or service (e.g., $25-$75 per therapy session or prescription fill).
Coinsurance: Percentage split between you and Humana after deductible. Example: 20% coinsurance means you pay 20%, Humana pays 80%.
Out-of-Pocket Maximum: Annual cap on total costs. Once reached, Humana covers 100% of remaining covered services for that plan year.
In-Network Savings: Oxford is in-network with Humana. In-network providers have pre-negotiated rates, resulting in significantly lower costs.
Treatment Type Impact: Inpatient treatment costs more than outpatient due to room and board. Your cost-sharing applies differently per level of care.
Chart: In-Network vs. Out-of-Network Cost Comparison
| Cost Factor | In-Network (Oxford) | Out-of-Network |
| Deductible | Lower (plan-specific) | Higher or separate OON deductible |
| Coinsurance | Typically 10-30% | Typically 30-50% or more |
| Copay | Pre-negotiated lower rates | Higher or not applicable |
| Balance Billing | Not allowed | Provider can bill difference |
| Out-of-Pocket Max | Shared with medical OOP max | Separate, often higher OON max |
| Pre-Authorization | Oxford handles coordination | You may need to coordinate yourself |
How to Use Humana Insurance to Pay for Rehab
- Check Your Coverage: Call Oxford at 662-638-0015 or complete the online verification form. Admissions navigators verify Humana benefits at no cost.
- Talk to Your Doctor: Be honest about your substance use. Some Humana plans require a doctor’s referral before treatment coverage begins.
- Contact Humana Behavioral Health: Humana’s behavioral health team reviews cases and determines appropriate level of care. Oxford coordinates this on your behalf.
- Get Pre-Authorization: Some plans require prior approval. Oxford admissions staff handle pre-authorization directly with Humana.
- Begin Treatment: Once coverage is confirmed, Oxford can start admissions, often with same-day admission available.
Humana Plan Types That Cover Addiction Treatment
Employer/Group Plans: Group plans through employers. Typically robust behavioral health coverage with lower out-of-pocket costs.
Individual & Family Plans: Plans purchased directly from Humana. ACA-compliant; must cover addiction as essential health benefit.
Medicare Advantage: For individuals 65+. Humana Medicare Advantage plans supplement Part A and B with additional behavioral health coverage.
Medicaid Managed Care: Government-funded coverage for low-income individuals. Humana administers Medicaid plans with minimal cost-sharing.
Opioid Crisis in Mississippi: Why Treatment Access Matters
Mississippi faces a particularly severe substance use crisis. In 2018, nearly 60% of drug overdose deaths in the state involved opioids.
Mississippi providers write 76.8 opioid prescriptions for every 100 people, compared to the national average of 51.4, one of the highest rates in the country.
Between 2017-2019, an annual average of 58,000 Mississippi residents age 12+ struggled with illicit drug use disorders, while 107,000 battled alcohol use disorders.
Access to quality treatment is critical, and using your Humana insurance to pay for evidence-based care at Oxford Treatment Center is one of the most important steps you can take.
Chart: Mississippi Substance Use by the Numbers
| Metric | Mississippi | U.S. Average | Source |
| Opioid Rx rate (per 100 people) | 76.8 | 51.4 | CDC, 2018 |
| % overdose deaths involving opioids | ~60% | ~70% | CDC WONDER |
| Illicit drug use disorders (annual) | 58,000 | N/A | SAMHSA NSDUH |
| Alcohol use disorders (annual) | 107,000 | N/A | SAMHSA NSDUH |
About Oxford Treatment Center: In-Network with Humana
- 100+ acre inpatient campus in Etta, MS surrounded by national forest with equine therapy and nature trails
- Outpatient centers in Oxford, MS and Southaven, MS (near Memphis, TN)
- Resolutions Oxford Sober Living for structured post-treatment housing
- 400+ years of combined clinical experience across the treatment team
- Specialized programs: Veterans, First Responders, Trauma Support, Christian Rehab, Couples
- Evidence-based therapies: CBT, DBT, MI, EMDR, family therapy, equine therapy, art therapy
- Medication-assisted treatment (MAT) for opioid and alcohol dependence
- Joint Commission accredited, BBB accredited, PsychArmor Veteran Ready, LegitScript certified