Humana health insurance serves millions of members nationwide, including military Veterans with plans to complement their Department of Veteran’s Affairs (VA) benefits.1
This page will discuss using Humana insurance to cover addiction treatment costs for military Veterans.
Does Humana Cover Rehab?
Yes, Humana for Veterans insurance covers rehab, although the extent of that coverage will vary based on the type of plan.
Federal mandates like the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) not only require insurers to cover mental health and substance use treatment,2 but also ensure that these services are covered to the same extent as treatment of other medical conditions.3
Some of the treatment programs that may be covered by Humana include:
- Detox.
- Inpatient treatment program
- Outpatient treatment program
- Medications for opioid use disorder (MOUD).
What Does Humana Insurance Not Cover?
The extent of rehab coverage and what treatments are covered may vary depending on the individual plan; however, certain addiction treatment programs are likely not covered by any insurance policy.
Programs that insurers won’t cover typically include alternative, holistic, or non-evidence-based treatments. That said, treatment centers that are covered by Humana insurance may sometimes provide alternative treatments (yoga, meditation, acupuncture) to augment their evidence-based approaches.
How Do I Use Humana to Pay for Rehab?
The first step in using Humana to pay for rehab is to find a treatment center that accepts Humana insurance.
Rehab centers that are in-network with Humana contract directly with the insurer to provide service at discounted rates, resulting in lower out-of-pocket costs. Some facilities may accept Humana in an out-of-network capacity, but the cost will likely be higher than through an in-network provider.4
Some treatments and services require prior authorization. This process is to verify that your treatment is medically necessary and cost-effective.5 Discuss any potential preauthorization with a Humana representative or your primary care physician.
American Addiction Centers (AAC) admissions navigators at can also assist with this process.
What States Does Humana Service?
Humana serves medical insurance members in the following states:6
- Arizona
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Michigan
- Mississippi
- Nevada
- Ohio
- Tennessee
- Texas
- Wisconsin
What Health Plans are Offered by Humana Insurance?
Humana insurance offers members various plans that fall into 2 categories. These categories include the following:7
- Health Maintenance Organization (HMO): This type of plan has doctors, hospitals, and other healthcare providers within the network. You select from these providers, and the cost for services is already set. This keeps your costs low. HMOs have a large network of providers, so you have plenty of places from which to choose.
- Preferred Provider Organization (PPO): A PPO also has a network of preferred providers that are in-network. However, you can also go to an out-of-network provider with a referral. Monthly premiums for PPO plans are usually higher than HMO plans.
Does Humana Include Medicaid and Medicare?
Humana offers the Humana Medicare Advantage (MA) plan and the Humana Healthy Horizons Medicaid plan.8,9
Medicare and Medicaid are federal and state-government funded healthcare benefits programs for elderly people, people with certain disabilities, children, and pregnant people.10
You qualify for Medicare if you are:8
- Over the age of 65.
- Under 65 years old with a qualifying disability.
- Diagnosed with an end-stage kidney disease that requires dialysis or a kidney transplant.
Eligibility for Medicaid varies based on income requirements that are specific to each state. Check with your state for income guidelines to see if you qualify for Medicaid.10
Medicare or Medicaid won’t replace your VA coverage; instead, it serves as a complementary coverage, providing Vets with additional benefits.8,11
Do I Need Humana if I Have VA Benefits?
There are advantages to keeping both private insurance (e.g., Humana) and VA benefits.11
Often, when you have private insurance (like Humana) and VA benefits, you can use your additional coverage to pay for some—or all—of the remaining balance for treatment. For example, if you owe copayments for non-service-connected treatment, funds from Humana may be used to cover them. Additionally, you may apply VA healthcare charges toward your Humana annual deductible.11
Use Your VA or Humana Coverage at AAC Facilities
Addiction is treatable; get help today.
Call to learn more about the evidence-based treatment provided in AAC facilities across the United States, how to use insurance to cover the cost of rehab, and other payment options.
You can also verify your coverage by completing the confidential form below.