Rehab Centers That Accept Humana Insurance In Texas
If you’re searching for a way to pay the costs of drug or alcohol rehabilitation, rely on health insurance like Humana. This provider offers a number of individual plans in Texas that provide coverage for substance abuse, as well as mental and behavioral health concerns.
Humana Plans
You can choose from HMO, PPO and POS plans in Texas. The range of plans include Bronze (which covers less, but has lower premiums) to Silver, Gold, and Platinum (which has the highest coverage and premiums). The number in each plan (such as 4850) designates the deductible.
HMO Plans
HMO plans only cover providers that are inside the network. For example, the Humana Bronze 4850 HMO plan costs you a 20 percent co-insurance on both inpatient and outpatient care. And the Humana Bronze 6300 HMO-HDHP plan provides inpatient and outpatient services for mental health and substance abuse at no charge.
Higher up, you have the Humana Silver 4600 HMO plan. It covers in-network facilities and professionals with a 20 percent co-insurance to you for both inpatient and outpatient care.
With the Humana Gold 2500 HMO plan, expect to pay a 20 percent co-insurance for inpatient and outpatient care while the Humana Platinum 0 HMO plan has a $0 individual and family deductible. For inpatient and outpatient care, you are required to pay a 20 percent co-insurance.
Last, but not least, is the Humana Basic 6600 HMO plan. With this plan, you have no charge for inpatient and outpatient treatment when you go to providers in the network. Consider pre-authorization for any of these plans to get more coverage.
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PPO And POS Plans
There are an array of PPO and POS plans with Humana which have lower costs if you stay in the network, but which allow you to get care outside the network. For example, the Humana Basic 6600 PPO-HDHP plan covers you with no charge for in-network inpatient and outpatient care. Outside the network, the cost is a 25 percent co-insurance.
The Humana Bronze 6300 PPO-HDHP plan also has no charge for the in-network inpatient and outpatient care and a 25 percent co-insurance for services outside the network. Another choice is the Humana Bronze 4850 PPO plan, which requires a 20 percent co-insurance within the network or a 40 percent co-insurance outside the network for both inpatient and outpatient care.
The Humana Silver 4250 plan requires a 20 percent co-insurance for providers in the network or a 40 percent one for those outside the network. Meanwhile, the Humana Silver 3650 PPO plan, which benefits you for staying in the network with no charge for inpatient and outpatient services. It offers the same out-of-network care costs a 25 percent co-insurance.
The Humana Gold 2500 plan covers these types of care for a 20 percent co-insurance with a network provider or a 40 percent co-insurance with a non-network provider. For people with more disposable income, the Humana Platinum 1000 PPO plan is a good choice. It charges a 20 percent co-insurance in the network and a 40 percent one outside the network. Pre-authorization with any of the above-mentioned plans helps keep your costs down.
Keep Costs Down With Insurance
Overall, an insurance plan can help you manage the cost of treatment, especially if you stay within the plan network. This help could be the answer to getting the treatment you require. Please contact us at RehabCenter.net if you have any more questions. We can help you sort through your plans and find one that work the best for you.
