Rehab Centers That Accept Humana Insurance In Alabama
Drug or alcohol treatment can be just the lifeline you need to get out of your current situation and start over. But many rehab programs can be expensive, which might make you wonder whether treatment is within your reach. Searching for programs in your area should show you a wide variety of options at various price ranges.
Regardless of the style of treatment you choose, a health insurance plan can be the answer to reducing your treatment costs even further. A health insurance plan will take care of a portion of your office visits, inpatient care or outpatient care, and you can keep the costs even lower by choosing providers within the carrier’s network. These tips can make treatment much easier to fit into the average budget. Humana offers plans in Alabama that will provide coverage for your substance abuse and/or mental health needs.
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Humana Coverage in Alabama
In Alabama, Humana has an individual health insurance plan at every metallic level associated with the health insurance marketplace. If you choose plans at the lower end of the range, including bronze and silver, you can expect to spend less each month on your payments while receiving a smaller portion of your treatment covered by Humana.
Plans at the higher end, which include gold and platinum, cover a higher percentage of care while costing more each month. There is also a catastrophic plan you can choose for basic coverage. All of these Humana plans will help you pay for the substance abuse or addiction treatment you need, in addition to mental health services if you’re battling a co-occurring disorder.
Alabama Plans and Their Substance Abuse Benefits
These are the various Humana plans you can sign up for in Alabama, along with the coverage you can expect from each plan for the type of care you need. The number you see in each plan’s name tells you the deductible you will need to pay, as an individual who receives care within the network, before the mental health and substance abuse coverage goes into effect.
The plan offered by Humana at the bronze level is the Humana Bronze 6300 PPO-HDHP plan. On this plan, you are not responsible for any payments for inpatient and outpatient mental health and substance abuse care when you stay within the network. You pay a 25 percent co-insurance if you seek treatment outside the network. At the next level up, the Humana Silver 4600 PPO plan comes with a co-insurance cost of 20 percent for inpatient and outpatient care within the network or 40 percent outside of it.
The gold level offering is the Humana Gold 2500 PPO plan. In the network, your costs for inpatient and outpatient care would be a 20 percent co-insurance, while the cost to you goes up to a 40 percent co-insurance when you visit out-of-network providers. At the highest level offered, you can choose to sign up for the Humana Platinum 1000 PPO plan. This plan also has a 20 percent co-insurance for network inpatient and outpatient services and a 40 percent one for providers outside the network. With all of these plans, you might end up with a penalty for inpatient care unless you get it pre-authorized by the insurance carrier.
If you would prefer catastrophic coverage over one of the metallic level plans on the marketplace, choose the Humana Basic 6600 PPO plan. This plan comes with no charge for inpatient and outpatient services within the network and a 25 percent co-insurance for the same care outside the network. To keep from paying a penalty, you might need to get advanced approval for inpatient treatment.
Treatment Is Possible
With the help of an individual health insurance plan, drug or alcohol treatment and mental health services become more affordable. This makes treatment a viable option if the thought of paying for it was previously keeping you from entering a program. That’s great news if you’re ready to take the path to a new future.
