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Reviewed by Humana, Inc., is one of the leading health insurance providers in the U.S., providing medical services to over 16 million people nationwide and over 2.6 million in Florida.
From comprehensive Medicare Advantage and Prescription Drug Plans to specialized offerings like TRICARE and Medicaid, Humana’s extensive network in Florida ensures that its members receive the highest standard of care for every need.
If you are a Humana member in Florida and you are unsure about your coverage for alcohol or drug addiction treatment, keep reading to discover the full range of drug and alcohol rehab Florida benefits available to you.
Table Of Contents:
- Does Humana Insurance Cover Drug Rehab In Florida?
- Types of Humana Insurance Coverage for Drug Rehab
- Humana Mental Health Coverage
- How Much Does Drug Rehab Cost In Florida?
- How to Pay For Rehab with Humana in Florida?
- Rehabs in Florida That Accept Humana Insurance
- Humana Treatment Centers Florida โ Bottom Line
- People Also Ask
Does Humana Insurance Cover Drug Rehab In Florida?
The opioid crisis in Florida is grim, with a 35% increase in opioid-related deaths in 2020, with fentanyl detected in over 3,200 of the 5,000 overdose deaths that year.
With an overdose death rate of 25.5 per 100,000 residents, standing at 23.19% above the national average, and overdose deaths being 214% higher than in other U.S. counties from 2014 to 2020, Florida offers a network of 712 drug rehab centers either for inpatient or outpatient treatment.
Thanks to the introduction of the Affordable Care Act (ACA), popularly known as Obamacare, Humana health insurance in Florida can provide some degree of support for drug rehab services in one of these facilities. The specific scope of coverage, including the types of treatments covered and associated costs like deductibles and out-of-pocket expenses, can vary depending on the particular Humana plan and the regulations of the state of Florida.
Types of Humana Insurance Coverage for Drug Rehab
Humana health insurance typically covers medically necessary services for treating substance abuse, provided state-licensed facilities or hospitals deliver them.ย Your insurance plan may cover some or all of the costs for:
- Inpatient Treatment: Provides 24/7 care in a structured environment.
- Partial Hospitalization (PHP): Intensive outpatient program with daily structured treatment.
- Intensive Outpatient Program (IOP): Less intensive outpatient care with regularly scheduled sessions.
- Outpatient Treatment: Flexible treatment with individual and group therapy sessions.
- Drug Detox: Medically supervised withdrawal from substances.
- Medication-Assisted Treatment (MAT): Combines therapy with medications for opioid or alcohol addiction.
- Co-occurring disorder treatment: Addressing both substance abuse and mental health conditions.
Always check your plan details or consult a Humana representative to understand your benefits. Typically, details about drug rehab coverage, co-pays, and any necessary referrals or pre-authorizations can be found by reviewing your policy details or contacting Humana customer service directly.
Humana Mental Health Coverage
Most Humana insurance plans cover therapy for mental health issues. In the same way the Affordable Care Act mandates substance abuse treatment as an essential health benefit, inpatient mental and behavioral health care is also included.
However, while Humana generally covers therapy, coverage for issues like grief, relationship problems, or career counseling might be more limited as these may only sometimes meet strict medical necessity criteria. In Florida, Humana’s mental health coverage may include:
- Cognitive-behavioral therapy (CBT)
- Dialectical behavior therapy (DBT)
- Eye movement desensitization and reprocessing (EMDR)
- Psychodynamic therapy
- Acceptance and commitment therapy (ACT)
- Medication management for prescription and monitoring of psychiatric medications
- Crisis intervention
- Day treatment for children
- Drug and alcohol screening and assessment
- Counseling for individuals, groups, and families
Humana covers mental health disorders identified in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), such as depression, anxiety, bipolar disorder, and post-traumatic stress disorder (PTSD).
Mental health benefits are provided with equal coverage limits, meaning there are no lifetime or annual dollar limits specifically for mental health services, aligning them with the coverage for other medical benefits.
How Much Does Drug Rehab Cost In Florida?
The Sunshine State ranks 21st for the cheapest residential rehab.ย You can expect to pay an average of $1,705 per episode (typically 30 days) for outpatient rehab. The average drug rehab cost of a 30-day inpatient rehab program in Florida is around $56,640.
If you donโt have insurance, 13 facilities in the state can provide free drug rehab treatment.
How to Pay For Rehab with Humana in Florida?
The first step to paying for rehab with Humana in Florida is understanding your specific plan. Humana offers various plans, each with different coverage levels and costs. To check your Humana insurance Florida for rehab coverage, you can follow these steps:
- Humana login: Log into the Humana online portal for detailed information about your plan benefits.
- Review your plan details: Examine your plan documents for deductibles, copayments, and out-of-pocket maximums.
- Contact Humana: If you have questions, contact Humana’s customer service directly.
Healthy Horizonsยฎ: Humana Medicaid in Florida
Healthy Horizonsยฎ is a Medicaid Managed Care plan offered by Humana in Florida. It provides healthcare coverage to eligible individuals who meet specific income and resource guidelines. If you qualify for Medicaid and are enrolled in Healthy Horizonsยฎ, you may have coverage for substance abuse treatment.
Rehabs in Florida That Accept Humana Insurance
As a large health insurance provider, Humana partners with a vast network of treatment facilities across Florida and potentially in other states, depending on your plan’s coverage. Two treatment centers are in-network options with Humana Health Insurance Florida:
- Legacy Healing Centers Florida uses a holistic treatment approach to help adults achieve long-lasting recovery.
- River Oaks Treatment Center offers evidence-based rehabilitation with hotel-like accommodations.
While this list provides a couple of options, it is essential to verify insurance coverage directly with the facility before starting treatment or checking our full drug rehab Florida list.
Humana Treatment Centers Florida โ Bottom Line
In Florida, Humana’s coverage is both broad and diverse, providing essential benefits such as medical, vision, hearing, and behavioral health services.
Whether through long-term care coverage for COVID-19 support or addiction services designed to help its members achieve sobriety, Humana is committed to adapting to evolving healthcare needs. To find a suitable rehab facility, consider Humana’s in-network choices to avoid higher costs.
Start your search for a Humana-accepted rehab facility by using online resources or contacting Humana directly for more information about addiction treatment.
People Also Ask
Does Humana have coverage in Florida?
Yes, Humana has extensive coverage in Florida, serving over 2.6 million members through various health plans, including Medicare Advantage, Medicaid, and commercial employer group plans.
What is Humana Medicaid called in Florida?
Humana Medicaid in Florida is called Humana Healthy Horizons. It provides comprehensive coverage, including medical, vision, hearing, prescription drug benefits, behavioral health services, and access to long-term care.
Does Humana cover mental health?
Humana covers mental health services, offering behavioral health benefits as part of its health plans, including counseling, therapy, and psychiatric care.
Page Sources
- Humanaโs economic impact in Florida totals $48 billion. https://press.humana.com/news/news-details/2023/Humanas-Economic-Impact-in-Florida-Totals-48-Billion/default.aspx#gsc.tab=0
- Wentz, J. (2021, May 13). Fentanyl overdose crisis rages on during COVID pandemic. Health News Florida. https://health.wusf.usf.edu/health-news-florida/2021-05-13/fentanyl-overdose-crisis-rages-on-during-covid-pandemic
- Drug overdose death Statistics [2023]: Opioids, fentanyl & more. (2024, May 3). NCDAS. https://drugabusestatistics.org/drug-overdose-deaths/
- Tutella, F. Drug overdose deaths higher among American visitors to Florida than rest of US. Penn State University. https://www.psu.edu/news/research/story/drug-overdose-deaths-higher-among-american-visitors-florida-rest-us/
- National Survey of Substance Abuse Treatment Services. (2021, July 14). https://www.samhsa.gov/data/data-we-collect/n-ssats-national-survey-substance-abuse-treatment-services
- Average Cost of Drug Rehab [2023]: by Type, State & More. (2024, May 2). NCDAS. https://drugabusestatistics.org/cost-of-rehab/