Your Humana policy may cover the cost of some or all treatments associated with your Guardian IOP treatment plan, including group and individual therapy, family therapy, cognitive behavioral therapy and dialectical behavioral therapy, as well as relapse prevention training. Humana Behavioral Health programs typically cover Intensive Outpatient Programs such as psychological and social assessments, monitoring and treatment planning and education and counseling on maintaining recovery. Care under the direction of licensed social workers, psychologists, psychiatrists and psychiatric nurse practitioners are all covered under Humana Behavioral Health plans.
Individual out of pocket expenses for substance abuse treatment will vary depending on several factors. Each Humana Health Insurance plan has a deductible, which is the amount the patient must pay before health insurance begins coverage. Once the deductible is paid, the coinsurance amount is the percent coverage Humana offers. Coinsurance amounts can range anywhere from 60 to 95 percent of total medical costs. Your Humana plan may also require a copayment, which is a one-time service fee for products, like medications, or health facility visits. If your plan is a Health Maintenance Organization (HMO), you may receive better coverage for medical costs associated with in-network providers. If your plan is a Preferred Provider Organization (PPO), it may not matter which specialists you see.