Humana Health InsuranceAt our Delray Beach, Florida and Portland, Maine locations the Guardian Intensive Outpatient Program offers comprehensive gender-specific and age-specific treatment programs for adults recovering from substance abuse. Choosing an IOP can in some cases be a much less expensive option than residential treatment. The Intensive Outpatient Program offers structure and programming similar to residential treatment facilities, while allowing clients to return to their home each evening, and the freedom to continue working as appropriate.

In addition, your Guardian IOP program may still be covered by, or preferred, by your Humana Health Insurance. Except where prohibited by law, some health insurance companies will require treatment at an outpatient program before providing coverage for residential treatment. For assistance clarifying your coverage and payment options, please contact a Guardian IOP Recovery Specialist who can help you understand your specific Humana health insurance policy and benefits.

A stress free recovery plan at Guardian IOP means we will work with Humana to ensure your coverage is maximized. Cost should never be a barrier to life-changing treatment, which is why we accept most major insurance plans, including Humana. Your Humana coverage may also include Humana Behavioral Health, which offers benefits for a wide range of personal issues including depression, anxiety, and bi-polar disorder in addition to your substance abuse treatment.

In the healthcare business since 1961, Humana medically insures over 13 million Americans and operates in all 50 states and is widely accepted. Humana Behavioral Health has been a subsidiary of Humana since 2005 and focuses on Humana’s ongoing commitment to the integrated health model which considers both body and mind. Over 65,000 credentialed psychiatrists, psychologists, social workers, licensed professional counselors and nurse practitioners make up the Humana Behavioral Health network.

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.

In addition to the terms and conditions of your particular Humana policy, your individualized treatment plan at Guardian IOP, the length of your time in the program and the services you receive will all contribute to costs that are specific to you. Humana may require pre-authorization for some Intensive Outpatient Program services. This can be as easy as getting a referral from your primary care provider. Routine services such as individual and family therapy, or psychiatric medication management normally do not require pre-authorization.

To determine your exact benefit coverage and to if preauthorization or a referral is necessary for your intensive outpatient services, contact us online or call a Guardian IOP Recovery Specialists today 877-412-9068 or Contact Us online. Our specialists are on hand to help you understand your Humana benefits. With just a 20 minute phone conversation, we can determine if our Intensive Outpatient Program is right for you, if your needs include treatment for any co-occurring mental health disorders, and what your financial responsibility will look like while in our care at either our Delray, Florida or Portland, Maine location.