Rehab Centers That Accept Humana Insurance in New York
Humana offers addiction treatment coverage through both commercial plans and Medicare Advantage options in New York. Humana is particularly strong in Medicare Advantage, making it a good option for seniors seeking addiction treatment. Their plans cover medical detox, residential care, outpatient services, and medication-assisted treatment. Network participation varies by plan and region - verify with Humana member services.
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Rehab Centers That Accept Humana Insurance in New York
Featured 30 Centers Accepting Humana
From 548 facilities that accept Humana, we've highlighted 30 starting points based on clear criteria.
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Showing 30 of 548 total facilities accepting Humana
What Humana Covers
Humana behavioral health benefits cover substance abuse treatment including medical detoxification, residential/inpatient programs, partial hospitalization, intensive outpatient care, and standard outpatient therapy. Humana Medicare Advantage plans often have lower copays than Original Medicare and may include additional benefits like transportation.
Deductible Status
Whether you've met your annual deductible
Example range: $1,000-$2,500 (varies by plan)
Network Status
In-network vs out-of-network rates
Per-Session Costs
Copays or coinsurance amount
Example range: $20-$40 per session copay or 20% coinsurance
Level of Care
Inpatient vs outpatient rates differ
Get your exact costs: Call 1-800-448-6262
Common Plan Structures
- HMO:Requires in-network care, lower costs
- PPO:Can use out-of-network, higher flexibility
- EPO:In-network only, no referrals needed
- POS:Hybrid of HMO and PPO
Plan Source Matters
- Employer plan:Group benefits vary by company
- Marketplace:ACA plans with metal tiers
- Strong Medicare Advantage plans
- Wellness programs included
- Telehealth options
- Care coordination
- Lower copays than many insurers
- Covers holistic approaches
- Smaller NY network than major carriers
- More common in other states
- Prior auth required for most services
- Network limited in rural areas
What to Have Ready Before Calling
💡 Having this ready reduces call time and ensures you get accurate information
1Call Your Benefits Line
Call 1-800-448-6262 or the number on your card
1-800-448-62622Ask These Questions
- • What is my deductible and how much have I met?
- • What is my copay for outpatient therapy?
- • Does my plan cover inpatient treatment?
- • Do I need prior authorization?
- • General coverage information for the insurance plan
- • Whether a specific facility is in-network
- • Typical copays and deductibles for the plan
- • Prior authorization requirements
- • General admission process questions
- • Specific treatment history or records
- • Whether someone is currently in treatment
- • Details about their specific claims
- • Dates of service or diagnoses
- • Any personal health information
How to Talk to Insurance as a Family Member:
"Hi, I'm calling to understand what addiction treatment benefits are covered under [plan type]. I'm not asking about a specific person's claims, just what the policy covers in general." This approach gets you the information you need while respecting privacy laws.
Ask for a formal denial letter that includes:
- Specific reason for denial
- Policy section reference
- Appeal rights and deadlines
You have the right to appeal. Most insurers have 2-3 levels of appeals. The facility's billing team can often help you with this process.
- Different level of care (e.g., IOP instead of inpatient)
- In-network facility alternatives
- Single-case agreement for out-of-network
Federal law requires insurers to cover mental health and substance abuse treatment at the same level as medical/surgical care. If denied, ask if the same restriction would apply to medical treatment.
Frequently Asked Questions About Humana
Ready to Use Your Humana for Treatment?
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