HUMANA INSURANCE AND ADDICTION TREATMENT
As Portland, Maine’s premier substance-specific medical detox, Pine Tree Recovery Center’s mission is to help members of the Portland community heal physically, emotionally and spiritually. This includes ensuring that anyone who wishes to use insurance to participate in treatment with us can do so. After reviewing the frequently asked questions about your Humana health insurance below, call us anytime for more information, or to begin the admissions and assessment process.
Does Pine Tree Recovery Center Accept Humana Health Insurance?
Yes. Although the limits of each individual’s coverage will vary. Variables include your policy’s deductible, co-pay and co-insurance amounts, your past history of treatment for drug or alcohol abuse, and the type of plan you have, be it HMO or PPO, for example. Your Human insurance may also include Humana Behavioral Health coverage, which provides confidential support for a wide range of mental health and substance abuse concerns. If your plan indeed includes mental health or substance abuse coverage, the limits on that coverage can be no less favorable than limits for medical or surgical benefits, according to the federal Mental Health Parity and Addiction Equity Act of 2008.
Will Humana Cover the Entirety of my Treatment?
As one of the nation’s largest health care providers, Humana covers 13 million Americans in all 50 states and is accepted widely. Your Humana policy may cover some or all of the costs associated with detoxification treatment and related medications, as well as some or all of the cost of therapeutic services as an inpatient or outpatient client. These services may include group and personal therapy, family therapy, and other aftercare programs.
The limits of your coverage are affected first and foremost by your specific plan. If your plan was purchased through the Health Insurance Marketplace, it will be categorized as bronze, silver, gold or platinum. Typically, bronze level plans have high deductibles, and cover approximately 60% of total medical care costs. On the opposite end of the spectrum, platinum level plans have low deductibles, and may cover up to 90% of medical care costs. Marketplace plans include Humana Behavioral Health, while employer based plans may or may not.
Humana also offers a wide range of both HMO and PPO health insurance plans. If your plan is a Health Maintenance Organization Plan, you insurance will be maximized when you receive care at an in-network facility. If your plan is a Preferred Provider Organization plan, you may have access to a wider range of facilities, doctors, and care providers. Lesser known plans include Exclusive Provider Organizations, or EMO policies, which operate similar to an HMO, and HDHP or High Deductible Health Plans, which operate similar to an HMO.
Your out of pocket expenses will also depend upon your past history of treatment for substance abuse, the details of your individualized treatment plan at Pine Tree Recovery, and your policy’s deductible and co-pay requirements. Depending on your specific policy, substance abuse recovery services may require pre-authorization. Pre-authorization may entail providing documentation that includes referrals from your primary care provider.
How Can I Find Out if My Individualized Treatment Plan is Covered?
Your individualized treatment plan at Pine Tree Recovery is specifically for YOU. This means the fastest and easiest way to find out what your specific coverage is, and what your individualized treatment plan may look like is to call us at 888-601-0135 to speak with a Pine Tree Recovery Specialist. Rest assured that Pine Tree Recovery Center works closely with Humana to verify and maximize your benefits. We believe in the efficacy of our services and will fight to ensure that anyone who wishes to use insurance to participate in treatment with us can do so.
I Have Humana Health Insurance, How Should I Begin?
Contact a Pine Tree Recovery Specialist today to help ease your concerns and understand your insurance benefits. We are available 24 hours a day, 7 days a week online or call us at 888-601-0135 to answer questions about your policy and how you’re covered.
Accepting Most Major Insurance
Below is a list of the most common insurance we accept. If you do not see your insurance listed below, we may still be able to provide treatment services through your insurance plans. Call us today to learn more and to have a representative verify your benefits at no cost to you.