Rehab Centers That Accept Humana Insurance In Montana
Recovering from an addiction to drugs or alcohol starts with finding the right treatment facility. Depending on personal goals and a current insurance policy, the best solutions to help with long-term plans will vary. Humana policies in Montana allow individuals to seek treatment in an appropriate rehab facility, but the details of coverage and the options available to help with any health concerns associated with drugs or alcohol will depend on an employer and the policies that a company offers.
Coverage in Montana
Humana coverage in Montana is available through an employer-provided policy with Aetna or as part of a Medicare policy. Medicare policies offer limited coverage for substance abuse and mental health disorders, so some individuals also purchase supplemental policies to address further concerns. The coverage through an employer depends on the goals of the company, the number of employees and the options the company owner or representatives select for the group.
In Montana, employer-provided policies through Aetna generally offer standard solutions for mental health disorders and addictions. Most employers offer a standard and basic policy option, but the details vary between companies and groups. A group policy can also offer more comprehensive solutions for substance abuse, but the details in any policy depend on the standards of the business rather than the insurance provider.
Aetna offers coverage through employers throughout the state. In most cases, the coverage in a basic or standard policy will help with inpatient and outpatient treatment programs for mental health disorders and addictions, but the exact amount of coverage varies. Most standard policies cover a set percentage of the treatment costs after an individual pays the stated deductible. Co-insurance rates are usually lower when working with an in-network treatment provider rather than an out-of-network program.
While the exact details will vary between policies, most plans cover roughly 60 to 80 percent of the treatment costs for mental health disorders or substance use disorders. In some cases, the policies cover a smaller portion of the costs in an out-of-network program, so pay attention to any details about the co-insurance and co-payment costs. Expect some variation in the deductibles in the policies. Deductibles will vary between plans, but can range from $500 per year to $6,000 per year for each individual. Some policies have a maximum deductible for families, so read the details to determine the exact figures.
Exceptions in a Policy
Exceptions in any policy depend on the details of the plan and the limitations set by the insurance provider. Aetna policies usually set exceptions on specific types of treatments, such as acupuncture or massage therapy, rather than treatment for substance abuse or a mental health disorder. The coverage can also exclude specific treatment facilities or out-of-network programs, so evaluate the details of any stated exceptions in the policy before starting a treatment plan for addiction or a mental health disorder.
While exceptions usually exclude a specific type of treatment, limitations in a policy focus on keeping the costs within a set range. For example, some policies limit the duration of treatment in an inpatient program to 28 or 30 days. Policies can also limit coverage to out-of-network programs or types of treatment options.
Treatment Options
Although the details of a policy help narrow down the number of programs that help with long-term goals, the best facility for personal needs will vary. Before selecting a program, compare different options and look for the facility that offers the tools that are most appropriate for personal goals.
In general, treatment programs fall into two main categories: inpatient and outpatient programs. The types of treatments in the programs vary, but most facilities offer traditional treatments like counseling, group therapy and treatments for co-occurring disorders. Traditional treatments work on setting up a healthy support network and addressing the underlying causes of addiction. It can help identify the reasons an individual uses drugs or alcohol so that a program can address the situation.
Holistic and evidence-based treatments usually offer more comprehensive solutions for long-term goals. For example, evidence-based treatment plans use cognitive-behavioral therapy to identify the thought processes that cause addiction and then alter personal actions to prevent future abuse of a substance. Holistic programs, on the other hand, take a whole-person approach to recovery and focus on improving emotional, physical and mental health. It addresses every factor of substance abuse and works on finding the best tools for the individual. In any program, an individual must also detox from the substance to help reduce the risk of a relapse.
Selecting a Program
Selecting a program for substance abuse recovery starts with identifying the goals and needs of the individual. A professional treatment program in Montana allows individuals to find realistic solutions and start working on improving their lifestyle. For more details about treatment options, use the tools at RehabCenter.net.
