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Deciding to find mental health care can be an overwhelming step in your wellness journey. The last thing you should have to worry about when seeking mental health services is the cost of your treatment. Humana health insurance can help you pay for several different types of mental health care.
Thanks to the Affordable Care Act, all major health insurance companies must provide coverage for mental health services. As long as you have a qualifying mental health diagnosis from a healthcare provider, your Humana mental health coverage can substantially reduce your overall treatment cost.
Furthermore, you cannot be denied health insurance coverage if you have a pre-existing mental health condition. Excluding people from health insurance plans due to pre-existing mental illness was outlawed in the Affordable Care Act. If you need mental health care but don’t have insurance, you can always sign up for a new health insurance plan.
Humana mental health coverage can pay for some or all of the cost of a wide range of different treatment options. Some of the most common mental health conditions that people seek treatment for include:
These mental illnesses and several others are treatable conditions that can be helped by targeted behavioral health treatment.
Your Humana mental health coverage can pay for multiple different types and styles of mental health treatment services. Importantly, the type of treatment covered by your insurance can depend on several factors.
Humana insurance has many benefits and packages available to its customers. It is important to recognize that your particular health plan may cover only certain types of treatment services.
In general, Humana mental health coverage may include the following:
The exact style of treatment that you’re seeking may or may not be covered by your plan. For example, if you are specifically seeking inpatient treatment, your Humana insurance may only cover outpatient treatment.Â
Determining what is covered in your plan will take several steps on your part. If you discover that the type of treatment you had in mind is not covered under your plan, try not to be discouraged. Healthcare providers can design a treatment plan that addresses your needs and works within the boundaries of your health insurance coverage.
The easiest way to find out the level of behavioral health coverage you have with your health insurance plan is to call the number on the back of your insurance card. This will connect you directly to a representative of your insurance company, who can explain the different levels of coverage offered by your health insurance.
Alternatively, you can always call the team at Future Now Detox to check whether your Humana insurance will cover the cost of your desired treatment.Â
Our team of mental health professionals is accustomed to dealing with complex health insurance plans and can help you determine what the best course of action for your behavioral health treatment plan will be.
Typically, the only requirement for receiving mental health benefits is having a diagnosed disorder that can benefit from evidence-based treatment methods. Mental health services are considered to be essential health benefits, which means that you are entitled to have the cost of the help you need covered by your insurance company.
Even with Humana mental health coverage, you may be responsible for several of the costs of behavioral health care. Determining how much you can expect to pay for treatment depends on several variables, which we’ve outlined below.
The first part to consider when using your Humana health insurance for mental health care is your deductible. Your deductible is the amount you must pay before your insurance begins to cover your costs.
If you have a deductible of $500, for instance, you need to pay the first $500 of any health services before your insurance company begins to pick up the bill.
Your deductible resets every year and applies to all medical treatments. So if you’ve already spent $500 at doctor’s offices, hospital visits, or other treatments throughout the year, you no longer need to meet your deductible in order for your insurance to pay.
Coinsurance is the cost that you need to pay after meeting your deductible. Coinsurance is calculated in percentages. For example, if you have a 10% coinsurance rate, you are expected to pay for 10% of applicable healthcare services after meeting your deductible.
Copayments are another fee that can be added on after you meet your deductible. Copayments are flat-fee rates for specific services. For instance, you might pay $20 when you visit a doctor’s office or $15 when picking up a prescription.
Your out-of-pocket max reflects the total amount you could be expected to pay before your insurance covers 100% of your costs. Out-of-pocket max is a set dollar limit, and any payment you make for healthcare contributes to meeting your out-of-pocket max. That includes your deductible, coinsurance, and copayments.
For example, if you have a $2,000 out-of-pocket max, a $500 deductible, and a 10% coinsurance rate, you can expect to:
Learning your specific deductible, coinsurance, copayments, and out-of-pocket maximums can help you determine the overall cost of treatment.
When you’re ready to begin getting the treatment you need, reach out to the team at Future Now Detox by calling (856) 681-9693 or filling out our confidential online contact form.
We understand the importance of accessibility and affordability, which is why we have partnered with several insurance companies to better service you. We accept most major insurance providers and private health insurance. Our team is available 24/7 to assist you in navigating your insurance coverage. If you don’t have insurance, we are here to help you understand the options available for you or a loved one.
Take the first step toward recovering from addiction by calling Future Now Detox at (866) 419-3899, or verify your insurance by clicking the button below.Â
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