Using Humana Insurance for Addiction Treatment

Humana is a national insurance company that provides individual and family health insurance, along with group plans and Medicare Advantage plans. They operate in a variety of states, including Nevada.¹

If you have Humana health insurance, you might wonder if you can get addiction treatment in Nevada using your insurance coverage. The answer is yes, you can. Humana is in-network with several recovery facilities in Nevada, including Desert Hope Treatment Center.

Does Humana Insurance Cover Substance Abuse Treatment?

Yes, Humana insurance should cover some or all of your addiction treatment.

Under the Affordable Care Act (ACA), most marketplace health insurance plans offer at least some coverage for mental health and substance misuse disorders. This coverage is considered an essential benefit of health insurance and applies to most insurance plans offered in Nevada. It’s also supported by the Mental Health Parity and Addition Equity Act, which requires plans that provide coverage for mental health to do so at the same level as primary health services.^{2, 3}

How much coverage you receive will depend on your specific health insurance plan and the treatment center you choose. Humana rehab coverage will pay less—and perhaps not at all—if you choose an out-of-network provider.

A Health Maintenance Organization (HMO) plan is coordinated by a primary care provider, which is your primary doctor.⁴ This doctor provides referrals for specialty treatment, including substance use disorder treatment. An HMO will require a referral and an in-network treatment center for you to take advantage of your insurance coverage.

A Preferred Provider Organization (PPO) plan doesn’t require a primary care referral. You may be able to receive coverage even outside the Humana provider network, but the out-of-pocket costs will be much less if you stay in-network.⁴

Find out if your insurance will cover some of your addiction treatment costs by filling out this . The process is easy, and you’ll know how much coverage you can receive in just a few minutes.

Which Types of Addiction Treatment Are Covered by Humana in Nevada?

Humana insurance for rehab may cover medication-assisted treatment (MAT), inpatient treatment, and counseling.⁵

Since there are various addiction treatment options, you’ll want to work with your doctor or specialist to determine the right kind for your needs. These options include:⁶

• Medical Detox: This can be the first stage of treatment for those who still have substance(s) in their systems. Medical detox helps patients safely withdraw from drugs or alcohol in a medically supervised environment.
• Inpatient: During inpatient treatment, patients live at the treatment facility, where medical and clinical professionals provide intensive counseling, coping skills, and a variety of other health-building activities.
• Outpatient: Outpatient programs offer counseling and treatment a few days a week, for a couple of hours per day. Patients continue to live at home and attend work or school.
• Telehealth: Telehealth is an option that allows people to seek outpatient treatment remotely, using videoconferencing technology.

Desert Hope offers all levels of care at our addiction treatment facility in Las Vegas, Nevada. The program that’s right for you will depend on several factors, including your history of substance use, your home environment, and the specific drugs you’ve been using. You can work with a medical professional to find the right fit.

How Do I Use Humana to Pay for Rehab?

In order to use Humana to pay for rehab, you might need a referral from your doctor, and Humana may require documentation that the specific treatment is medically necessary. However, you can instantly check what level of coverage your plan will offer by entering your information in our free and secure .

Talk to your primary care doctor about your substance use. Be honest, so they can assess your true needs. From there, you or your doctor can contact Humana directly to find out what you need to do to get your insurance approved. Before you begin treatment, review preauthorization requirements and other details with an insurance company representative.

Unfortunately, if you don’t follow the correct steps, you might not get as much coverage from Humana for your treatment as you should. If you have any questions, call us at to discuss your health benefits with one of our admissions navigators. We’re here to help you get on the road to recovery.

Cost of Drug & Alcohol Rehab with Humana Insurance

The exact cost of rehab in Nevada with Humana will depend on your specific insurance coverage. With all insurance plans, you will pay a deductible before insurance coverage starts.

The amount of the deductible varies based on your plan. Once insurance coverage begins, the insurance pays a portion, and you pay a portion. The amount you pay is known as a copayment or coinsurance. Together, your deductible and copayment or coinsurance are known as “out-of-pocket costs.”

If you’re concerned about affording the out-of-pocket costs associated with treatment, we can help. You have many options when it comes to paying for rehab.

Benefits of Paying for Treatment with Humana

The biggest advantage of finding a rehab that takes Humana insurance is that you’ll have help paying for the care you need. This makes treatment more accessible and helps increase the chance you’ll stay sober once you start on your new path.

Drug Addiction in Nevada

Substance use disorder is a significant problem in Nevada. The state has an average of 55.5 opioid prescriptions per 100 people, compared to 51.4 nationally.⁷ And 372 drug overdose deaths involved opioids in 2018.⁷

Opioids aren’t the only problem drug, either. When asked if they used nonmedical marijuana to get high in the past 30 days, 14.3% of Nevada adults said yes.⁸ Approximately 15% of Nevada adults are considered binge drinkers, and another 5.9% are considered heavy drinkers.⁸

No matter the substance you may struggle with, you can break free and live a new life.  Simply fill out the form below to learn more about what kind of treatment your insurance might cover. Our admissions navigators are available 24/7 and ready to help you take the next step forward on the path to sobriety.