Does Humana Insurance Cover Drug & Alcohol Rehab in South Florida?

Humana offers insurance plans that can cover the costs of drug and alcohol rehab at The Recovery Village at Baptist Health.

It can be challenging to pay for drug and alcohol rehab, but your Humana insurance plan can help. Explore Humana’s insurance plans and how The Recovery Village at Baptist Health can help you determine your coverage.

Humana Provider Overview

Humana Insurance is a health insurance company that has helped its policyholders lead healthier lives since 1961. With over 13 million members, its plans cover a range of health services, including substance abuse and mental health treatment.

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Humana Plans and Coverage Levels

Humana has two insurance plans: Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs).

• PPO plans: These plans allow members to see a variety of in-network and out-of-network providers without a referral. With a Humana PPO plan, in-network care has lower out-of-pocket costs.
• HMO plans: A Humana HMO plan allows members only to see a selection of in-network providers. Members must also choose a primary care physician, and out-of-network care is rarely covered.

In some states, Humana offers Medicare and Medicaid plans and coverage for active military members.

How To Check Your Humana Insurance Benefits

There are a few ways to check your Humana Insurance benefits.

Sign in to your MyHumana portal to access your benefits information.

• Call the number on the back of your member ID card and speak to a representative who can determine your eligibility and benefits.
• Contact The Recovery Village at Baptist Health and speak to a recovery advocate who can check your benefits over the phone.

Does Humana Insurance Cover Drug and Alcohol Rehab?

The Affordable Care Act requires all health insurance companies to provide coverage options for mental health services, including addiction treatment. In most cases, Humana Insurance will provide coverage for addiction treatment if using an in-network provider.

Coverage will depend on your policy, the type and location of treatment and the length of treatment. Out-of-network, private and luxury facilities are not typically covered.

Humana may cover medical detox, inpatient care and outpatient care.

Does Humana Cover Mental Health Services?

Humana covers mental health services under the Affordable Care Act. Coverage depends on your policy, the type of treatment received, and whether you use an in-network provider.

Our Florida Rehab facilities offer therapies that Humana may cover, including eye movement desensitization and reprocessing (EMDR) and cognitive behavioral (CBT) therapy.

Humana and Medication-Assisted Treatment (MAT)

Medication-assisted treatment (MAT) is an addiction treatment method that combines medication with traditional therapies.

Humana may cover some medications offered at both of our Florida rehab locations, including:

• Buprenorphine-naloxone (Suboxone)
• Lorazepam (Ativan)
• Clonazepam (Klonopin)

Humana Length of Treatment

While treatment length differs for everyone, most patients will spend 30, 60 or 90 days at an addiction treatment facility. This time allows patients to medically detox, establish new coping skills and plan for life after treatment.

How long Humana will cover treatment depends on your specific insurance plan and the state you live in.

Humana Coverage at The Recovery Village at Baptist Health

Your Humana insurance provides access to comprehensive addiction treatment at both of our South Florida facilities. Below is what Humana typically covers at each location.

At Our Palm Beach Inpatient Center — 4905 Lantana Rd, Lake Worth, FL 33463

• Medical Detox: Our clinical team provides round-the-clock medical supervision during withdrawal. Nurses monitor your vital signs, administer FDA-approved medications to ease withdrawal symptoms, and ensure your safety throughout the process. Alcohol and benzodiazepine withdrawal can cause seizures, delirium tremens, and other life-threatening complications without medical oversight. Humana PPO and HMO plans typically recognize medical detox as a necessary first step and provide coverage at in-network facilities like ours.
• Inpatient Residential Rehab: Our structured residential program immerses you in daily therapeutic programming while you live on-site at our Lake Worth campus. Each week includes multiple individual therapy sessions with a licensed counselor assigned to your case, daily group therapy on relapse prevention, emotional regulation, and communication skills, weekly family counseling to repair relationships and build support, and evidence-based therapies including CBT, EMDR, and DBT. You’ll also have access to our pool, fitness center, basketball courts, and outdoor areas. Humana evaluates inpatient coverage through ongoing utilization review. Learn more about our inpatient rehab program.
• Partial Hospitalization (PHP): When you’re ready to step down from inpatient care, PHP provides intensive day treatment five to seven days per week for four to six hours daily. You’ll continue therapy and clinical programming during the day while practicing skills in a less restrictive environment. Most Humana plans cover PHP when clinically recommended as a step-down from inpatient.
• Dual Diagnosis Treatment: Roughly half of people with substance use disorders also have a co-occurring mental health condition. At every level of care, our team screens for and treats depression, anxiety, PTSD, bipolar disorder, and ADHD alongside addiction. Treating both simultaneously is essential — research shows addressing only one significantly increases relapse risk. Humana covers mental health services under the ACA’s parity requirements. Learn more about our dual diagnosis program.

At Our Miami Outpatient Office — 8585 Sunset Drive, Suite 202, Miami, FL 33143

• Intensive Outpatient Program (IOP): IOP meets three to five days per week in sessions lasting approximately three hours each. This level is designed for patients transitioning from higher levels or those whose clinical needs allow them to begin recovery while maintaining daily responsibilities. Programming includes individual counseling, group therapy, relapse prevention education, and skills-building workshops. Humana typically covers IOP when recommended as part of a clinical treatment plan. Learn more about our IOP program.
• Standard Outpatient Therapy: Individual and group therapy on a less frequent schedule for sustained recovery support. Sessions focus on sobriety maintenance, trigger management, and building healthy relationships. Humana outpatient behavioral health benefits generally apply. Learn more about our outpatient program.
• Medication-Assisted Treatment (MAT): Our physicians prescribe FDA-approved medications to manage cravings and support recovery. For opioid use disorders, we may prescribe buprenorphine (Suboxone) or naltrexone (Vivitrol). For alcohol use disorders, acamprosate and naltrexone can reduce cravings. Most Humana plans cover MAT under pharmacy benefits, though formulary coverage varies. Our admissions team can review your Humana formulary. Learn more about MAT.

Humana In-Network Coverage in Florida

If you have a Humana insurance plan, going to an in-network addiction treatment facility can reduce your treatment costs. Both our Miami and Palm Beach locations accept Humana insurance and provide a range of addiction treatment services. Talk to a Humana representative or speak to a Recovery Advocate to determine your benefits and begin recovery today.