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Humana Health Insurance For Addiction Treatment

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Does Humana Cover Alcohol Rehab?

The Affordable Care Act (ACA) requires all health insurance companies to provide coverage for substance abuse treatment. This includes alcohol use disorder (AUD). Behavioral health treatments and inpatient treatment for mental health issues are also included. 

In the case of Humana, substance abuse falls under Humana Behavioral Health, a Humana subsidiary. 

The extent to which treatment cost is covered depends on a few things, including: 

  • Your particular Humana health insurance plan
  • What state you live in
  • Whether the program is in-network or out-of-network

The cost will also vary depending on which treatment facility you choose, the length of your stay, and any 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.

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Behavioral Health Benefits Program

The Behavioral Health Benefits Program is administered by Humana Behavioral Health and provides coverage for substance abuse issues. 

It addresses alcohol use disorder (AUD), as well as various related mental health issues such as depression and bipolar disorder.

Some of the program’s services include:

  • Access to participating mental and substance abuse programs, hospitals, and individual 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 with any questions regarding your behavioral health

Cost of Alcohol Rehab

Alcohol rehab costs vary widely based on two factors: 

1. Type of Facility

Drug and alcohol facilities that have 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.1

Insurance will most likely not cover these types of facilities. They usually serve wealthy patients.

However, the majority of rehab centers are non-profits. They provide the basics, including a room with a bed, a bathroom, and a place to store your possessions. 

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.

2. Type of Treatment

The type of treatment(s) you receive can significantly impact the cost.

For example, outpatient treatment can cost between $32 to $385 per week.2 Inpatient treatment can average $213 to $2,070 per week.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. Medication-assisted treatment (MAT) with naltrexone costs up to $14,000 per year.7, 8

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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

Detoxification is the first step toward sobriety for someone with AUD. During this phase, the person stops drinking to allow all the alcohol and toxins to leave their body. The process can be frightening, as it often leads to withdrawal symptoms that can be painful or even deadly. 

When the body becomes dependent on alcohol, brain and body chemistry change. The body depends on alcohol to keep some body systems running. Stopping alcohol suddenly without medical support can result in brain and body malfunction, fluid balance upset, and even seizures and death.

Similar occurrences may occur when a person’s body becomes dependent on other drugs.

For this reason, those with severe cases will detox at an inpatient facility, where medical professionals can monitor them. This 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, only a few days a week. Then they go home at night. 

Outpatient treatment is for mild AUDs and those with a more stable and supportive home environment.

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

Alcohol use disorder (AUD) often coincides with mental illness. This is known as a dual diagnosis, and the relationship is complex. Mental health issues can either drive an AUD or be a product of one.

Some mental health issues linked to AUD include:

It’s essential to treat both the AUD and mental illness at the same time through integrated treatment. This treatment model involves a mix of addiction and psychiatric medications and therapy. 

Some therapeutic approaches used to treat AUD include:

Keep in mind: The cost of addiction is often many times that of a successful treatment program.

Insurance Can Help Pay for Addiction Treatment

Call now to speak with a specialist about your insurance benefits.

How to Check Your Humana Behavioral Health 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. You can also check if a provider is in-network using the Provider Lookup Tool.

Getting an accurate price quote ahead of time is essential when hiring any service provider. You don't want to be caught off guard by unexpected costs. 

However, you shouldn’t let it prevent you from seeking the care you need.

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Updated on May 17, 2022
8 sources cited
  1. Beetham, Tamara. “Admission Practices And Cost Of Care For Opioid Use Disorder At Residential Addiction Treatment Programs In The US.” Health Affairs, vol. 40, no. 2, 2021.
  2. French, Michael T. “The Economic Costs of Substance Abuse Treatment: Updated Estimates and Cost Bands for Program Assessment and Reimbursement.” Journal of substance abuse treatment, vol. 35, no. 4, 2008, pp. 462-9. NCBI.
  3. HealthCare.Gov. “Mental health & substance abuse coverage.
  4. Humana. “Find a doctor.
  5. Humana Behavioral Health. “Behavioral Health Benefits.
  6. Kaskutas, Lee Ann. “Costs of day hospital and community residential chemical dependency treatment.” The journal of mental health policy and economics, vol. 11, no. 1, 2008, pp. 27-32. NCBI.
  7. National Institute on Drug Abuse. “How much does opioid treatment cost?” 2021.
  8. Office of the Federal Register. “TRICARE; Mental Health and Substance Use Disorder Treatment.

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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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