Rehab Centers That Accept Humana Insurance In Louisiana
Health insurance can be the answer to making drug treatment more affordable for you. Humana offers a variety of plans in Louisiana that can cover a portion of care for alcohol or drug problems, in addition to mental and behavioral health concerns if needed. See which facilities and professionals your plan covers in its network to keep the costs down further — you might even be able to visit a specialty program such as a holistic, luxury, or wilderness treatment offering.
Louisiana Coverage From Humana
In Louisiana, there are HMO and PPO plans you can choose from with Humana. The HMO plans offer many quality professionals and facilities within the Humana network, while the PPO plans open your options to network and non-network choices.
Within each type, there are catastrophic plan options, as well as the various metallic levels you find on the marketplace. Choose a bronze or silver plan if you need one that will give you lower monthly payments yet offer you less coverage toward your care. Since you’re planning to use your health insurance for a treatment program, you might benefit more from a gold or platinum plan instead. You’ll have to spend more on these each month, but they’ll help you pay for a higher portion of your treatment costs.
With each plan, you have a deductible you’ll need to pay before the coverage will take over. The name of each plan tells you the deductible amount for a person. All of Humana’s plans help pay for substance abuse and addiction, as well as mental and behavioral health concerns. Often, you are responsible for getting inpatient treatment services authorized by Humana in advance to avoid a penalty fee.
Basic Coverage
If a catastrophic plan would take care of your needs, consider the Humana Basic 6600 plan, which is an HMO plan that only covers in-network providers. With this plan, your inpatient and outpatient care has no charge to you. The other choice is a plan of the same name, Humana Basic 6600, but in a PPO option that also covers out-of-network providers. When you stay in the network, you have no charge for inpatient and outpatient care. When you leave the network, expect a 25 percent co-insurance on both types of care.
Bronze Plans
The Humana Bronze 6300 plan is an HMO offering that comes with no charge for both outpatient and inpatient treatment in the network. Or try the PPO version of the Humana Bronze 6300 plan. This one has no charge when you visit a professional or facility in the network and a 25 percent co-insurance outside the network. Another bronze PPO choice is the Humana Bronze 4850 plan. With this one, you pay a 20 percent co-insurance for network inpatient and outpatient providers or a 40 percent co-insurance for non-network ones.
Silver Plans
The HMO option is the Humana Silver 4600 plan. This plan requires you to pay a 20 percent co-insurance, whether you choose an outpatient program or an inpatient rehab facility. For a PPO plan, you have two options. The Humana Silver 4250 plan costs a 20 percent co-insurance for network care or a 40 percent co-insurance for non-network care. The other choice is the Humana Silver 3650 plan. This plan costs nothing for inpatient and outpatient care in the network and a 25 percent co-insurance for those with out-of-network providers.
Gold Plans
Consider the Humana Gold 2500 plan, which is the HMO choice. This plan costs you a 20 percent co-insurance for inpatient and outpatient care after the deductible. There is also a Humana Gold 2500 plan that is a PPO option. It requires a 20 percent co-insurance of you for network care or a 40 percent co-insurance for non-network care.
Platinum Plans
For an HMO plan, choose the Humana Platinum 1000 plan. This plan has a lower deductible than the other metallic levels, and requires a 20 percent co-insurance for the care you need, regardless of whether you come and go from an outpatient option or you stay in an inpatient center. The PPO version of the Humana Platinum 1000 plan also has a 20 percent co-insurance when you get treatment within the network, with the option of a 40 percent co-insurance if you’d prefer to visit a provider outside that network.
Pick the plan that will best help you balance costs and coverage for the treatment that would help you best.
