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Updated on October 12, 2023
6 min read

Humana Health Insurance For Addiction Treatment

Vince Ayaga
Dr P. E. Pancoast, MD
Written by 
8 Sources Cited
Vince Ayaga
Written by 
8 Sources Cited

Does Humana Insurance Cover Drug and Alcohol Rehab?

Humana insurance can cover alcohol rehab because substance abuse falls under Humana Behavioral Health, a Humana subsidiary. Under the Affordable Care Act (ACA), all health insurance companies must provide coverage for substance abuse treatment.

The coverage includes treatment for alcohol use disorder (AUD), such as behavioral health treatments and inpatient treatment for mental health issues.

Humana coverage depends on a few factors, including: 

  • Your Humana health insurance plan
  • What state you live in
  • Whether the program is in-network or out-of-network
  • The treatment facility you choose
  • The length of your stay
  • Additional services

You’ll most likely have to cover at least some of the cost. Humana will cover the rest once you reach your deductible, which can vary based on your plan.

What Is Humana Health Insurance?

Humana is one of the largest health insurance providers in the United States. Humana health insurance plans typically focus on the following:

  • Employer health insurance plans
  • Dental and vision insurance
  • Preferred provider organization (PPO)
  • Health maintenance organization (HMO)
  • Supplemental and prescription plans
  • Humana medicare plans 

Humana also allows you to purchase a separate substance abuse coverage plan if your plan doesn’t include addiction treatment coverage. Check your Humana insurance benefits to see if you’re covered for addiction treatment.


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Behavioral Health Benefits Program

Humana Behavioral Health administers the Behavioral Health Benefits Program and provides coverage for substance abuse issues. It addresses AUD and related mental health issues like depression and bipolar disorder.

Some of the program’s services include:

  • Access to participating mental and substance abuse programs, hospitals, and individual healthcare providers
  • A Provider Lookup Tool to help you find nearby providers
  • Care coordination, including hospital stays
  • Patient care advocacy and care monitoring
  • Support and assistance for your behavioral health questions and inquiries

How to Check Humana Insurance Coverage 

To find out what benefits you are entitled to, call the Humana Behavioral Health Hotline. The number can be found on the back of your Humana insurance card. 

The eligibility number for Humana Behavioral Health Benefits is 1-800-777-6330. Using the Provider Lookup Tool, you can also check for in-network providers.

Getting an accurate price quote is essential when hiring any service provider. You don't want to be caught off guard by unexpected costs. However, it shouldn’t prevent you from seeking the care you need.

How to Use Humana Health Insurance for Rehab

First, visit your primary care physician. They’ll be able to refer you to a substance use treatment provider. 

When you’re using Humana to pay for rehab, you’ll need to provide some basic information, such as:

  • Your name
  • Phone number
  • Email
  • Insurance carrier
  • Member ID

Once you input this information, you’ll receive a response verifying your coverage and the treatment you may receive.


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Cost of Alcohol Rehab

Without insurance, the cost of rehab for alcohol use disorder (AUD) at a basic alcohol treatment facility is likely to cost around $5,700 per month.1 Basic facilities are more likely to be covered with insurance, but you’ll likely still have to pay some of the treatment cost.

Alcohol rehab costs vary widely, depending on two factors: 

1. Type of Facility

Drug and alcohol facilities with more amenities or are privately owned can be more expensive than facilities that don’t have as many resources. These facilities cost up to $17,500 per month, on average.

Insurance will likely not cover these facilities, and they usually serve wealthy patients. However, most rehab centers are nonprofits that provide a room with a bed, a bathroom, and a place to store your possessions. 

2. Type of Treatment

The type of treatment(s) you receive can significantly impact the cost. Outpatient treatment can cost $1,400 to $10,000 for 30 days.2 Inpatient treatment can cost around $5,000 to $20,000 for the same period.2

Inpatient treatment is typically more expensive. It involves around-the-clock care from professional staff in a hospital-type setting with beds, meals, and medical care.

Any treatment that involves medication will also cost more. Expenses for medication-assisted treatment (MAT) with naltrexone can add up to $14,000 annually.7


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Which Treatments Does Humana Behavioral Health Cover?

Humana Behavioral Health covers a variety of treatments for substance and alcohol use disorder (AUD), including:


Detoxification involves stopping alcohol consumption and allowing all the toxins to leave your body. The process can be frightening because of withdrawal symptoms, which can be painful or deadly.

When the body becomes dependent on alcohol, the brain and body chemistry are affected. Suddenly stopping alcohol use without medical support can result in:

  • Body malfunction
  • Fluid balance upset
  • Seizures
  • Death

Because of this, those with severe cases will detox at an inpatient facility, where medical professionals can monitor them. This type of detox is known as a medically assisted detox.

Inpatient Treatment

Inpatient treatment takes place at a licensed residential treatment center. These centers offer around-the-clock support and specialized care. A person who receives this type of treatment generally has a severe AUD or an unstable home environment.

Outpatient Treatment

With outpatient treatment, a person can carry out their normal activities because the treatment fits their schedule. Program attendance is usually for several hours per day, a few days a week.

Outpatient treatment is for mild AUDs and those with a more stable and supportive home environment. They can also go home at night or after their treatment is done for the day. 

Medication-Assisted Treatment (MAT)

Medication-assisted treatment (MAT) involves using medication to manage withdrawal symptoms and cravings. It's often used in combination with inpatient treatment and counseling.

Common medications approved to treat AUD include:

  • Acamprosate (Campral)
  • Disulfiram (Antabuse) 
  • Naltrexone (Vivitrol)

All three of these drugs are FDA-approved for MAT to treat alcoholism. 

Behavioral Health Treatment

Behavioral treatments focus on changing problematic drinking behaviors through counseling. Some therapeutic approaches used to treat AUD include:

AUD often coincides with mental illness. This occurrence is known as a dual diagnosis, and the relationship is complex. Some mental health issues linked to AUD include:

Can You Use Humana for Out-of-Network Treatment Centers?

A Humana insurance plan won’t cover out-of-network treatment facilities. You’ll have to cover out-of-pocket costs for yourself.

In rare cases where an out-of-network facility is covered, you’ll have to pay higher deductibles and copays. Humana will also require a referral from a doctor before they cover treatment.


Humana is an insurance provider that covers the cost of various healthcare needs, including alcohol and drug addiction treatment. 

How much Humana plans cover depends on various factors, such as the type of facility, the location, and the treatment required. Humana insurance plans don’t usually cover out-of-network treatment facilities.

Regarding substance abuse, Humana offers coverage for various treatment options. These include medical treatments and behavioral therapies. 

To find out what benefits you are entitled to, call the Humana Behavioral Health Hotline. 

Updated on October 12, 2023
8 sources cited
Updated on October 12, 2023
All Alcoholrehabhelp content is medically reviewed or fact checked to ensure as much factual accuracy as possible.

We have strict sourcing guidelines and only link to reputable media sites, academic research institutions and, whenever possible, medically peer reviewed studies.
  1. Beetham et al. “Admission Practices And Cost Of Care For Opioid Use Disorder At Residential Addiction Treatment Programs In The US.” Health Affairs, 2021.
  2. Average Cost of Drug Rehab.” National Center for Drug Abuse Statistics, 2022.
  3. French et al. “The Economic Costs of Substance Abuse Treatment: Updated Estimates and Cost Bands for Program Assessment and Reimbursement.” Journal of Substance Abuse Treatment, 2008.
  4. HealthCare.Gov. “Mental health & substance abuse coverage.” U.S. Centers for Medicare & Medicaid Services.
  5. Find a doctor.” Humana, 2021.
  6. Behavioral Health Benefits.” Humana Behavioral Health. 
  7. U.S. Department of Health and Human Services. “How much does opioid treatment cost?” National Institute on Drug Abuse, 2021.
  8. Office of the Secretary, Department of Defense. “TRICARE; Mental Health and Substance Use Disorder Treatment.” Office of the Federal Register, 2016.
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All content created by Alcohol Rehab Help is sourced from current scientific research and fact-checked by an addiction counseling expert. However, the information provided by Alcohol Rehab Help is not a substitute for professional treatment advice.
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