Humana Rehab and Heroin Detox Coverage
Heroin is an extremely addictive drug that can affect your personal life and put your health at risk. Unfortunately, overcoming an addiction to heroin can be very difficult, and professional treatment is often required.
Before you begin a treatment program, you must typically go through detox, which is a process designed to remove any remaining heroin from your body as safely as possible. This process can be expensive. However, if you have health insurance through Humana, some of your expenses may be covered by your policy.
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Humana offers two basic types of insurance policies: HMO policies (health maintenance organization) and PPO policies (preferred provider organization). These two types of policies have several notable differences that may affect your Humana Heroin Detox Coverage, including:
- Primary Care Physician Requirements - Both types of policies may require you to choose a primary care physician, or PCP. However, if you have an HMO, you will be required to get approval from your PCP before you can begin detox or any other type of addiction treatment. With a PPO plan, however, you can begin treatment without talking to your PCP.
- Network Requirements - Both PPO and HMO plans may have preferred provider networks. However, while a PPO plan will pay for both in-network and out-of-network care, you must use an in-network provider in order to qualify for benefits under an HMO policy.
Other Factors Affecting Humana Heroin Detox Coverage
Other aspects of your Humana policy may also affect the amount of benefits you receive. Some of the factors that may affect your Humana Heroin Detox Coverage include:
- Deductible - The deductible is the amount you must pay toward your own healthcare expenses for the year before your Humana Heroin Detox Coverage will begin.
- Copay - Some detox services may require you to pay a copay, which is a flat fee that will be due at the time of service.
- Coinsurance - After you have satisfied your plan's deductible, you may still be required to pay coinsurance for future services. Coinsurance is typically calculated as a predetermined percentage of the expenses you incur after you have met your deductible.
- Precertification - Some policies may require you to obtain authorization from Humana before you begin detoxification.
Please keep in mind that policies may vary considerably. If you have specific questions about your plan, consult your plan documents or contact Humana.