If you are considering the opportunity to receive mental health treatment in Florida, you have probably thought about how to pay for it.
Humana health insurance plans can lessen the cost of treatment, leaving you with out-of-pocket expenses that are, in many cases, significantly less than paying for treatment yourself.
That’s why Mark Behavioral Health works with Humana to provide coverage in Florida for a variety of mental health conditions, removing the financial barrier to the treatment you need.
About Humana Coverage for Inpatient Mental Health Treatment in Florida
Humana began offering coverage for healthcare services in 1961. They now serve millions of members offering Medicaid, Medicare, and family/individual insurance plans.
In 2011, Humana had just over 11 million members while in 2023, they had almost 17 million members. They also actively screen members for social needs that affect their mental health and well-being.
Humana coverage includes mental health services like therapy, counseling, inpatient programs, and more. Mark Behavioral Health works with Humana health plans, making treatment for mental health conditions more accessible to people throughout Florida with these plans.
How Does Florida Humana Insurance Coverage Work for Mental Health Recovery?
Humana also offers coverage for treatment programs related to your mental health needs. These programs can include outpatient and residential treatment.
While most Humana plans cover outpatient treatment, you may need to contact a Human representative to learn whether your health insurance plan includes inpatient benefits.
You may have co-payments, deductibles, or a certain plan tier that affects the amount of coverage for your chosen treatment program and the amount you will pay.
When you apply for Mark Behavioral Health’s residential treatment program in Florida, we can help you understand your coverage with Humana and clarify the details of your plan.
Does Humana in Florida Cover Inpatient Mental Health Treatment?
Because of the Mental Health Parity and Addiction Equity Act, insurance companies must provide coverage for mental health and addiction treatment.
However, coverage for behavioral health services and the level of care at which they are provided may vary from insurance provider to insurance provider and even from plan to plan.
Medicaid and Medicare Advantage plans through Humana offer coverage for outpatient programs but may require prior authorization for residential or inpatient treatment services.
For other plans, the amount of coverage and treatment length for mental health disorders may vary. It’s best to contact a representative from Humana to learn more about your health coverage.
Or, you can reach out to Mark Behavioral Health in Florida, and we can help you understand the particulars of your coverage.
Other Mental Health Programs in Florida Covered by Humana
Humana offers coverage for a variety of mental health treatment programs. It is always best to check with Humana about the specifics of your plan and not to assume something is covered.
In general, Humana plans in Florida cover:
- Inpatient treatment: This includes residential treatment as both levels of care give you a place to stay in a treatment center for at least 30 days. But this may require prior authorization.
- Partial hospitalization program (PHP): PHP is a highly structured outpatient program covering 8 hours a day, five days a week. Some plans include coverage for people under 21.
- Intensive outpatient program (IOP): IOP is a less-intensive outpatient treatment program that provides fewer hours over fewer days in the week.
- Outpatient program (OP): OP is the least intensive level of outpatient care that offers therapeutic sessions.
It’s important to note that if you are facing substance abuse, substance use disorder, or dual diagnosis, you can find coverage for residential and outpatient treatment through Humana.
While Mark Behavioral Health does not address these issues, we can refer you to quality treatment centers that do.
Mental Health Therapies in Florida Covered by Humana
Depending on your Florida health plan, Humana covers a variety of evidence-based therapies that address your individual needs as you begin treatment for mental illness.
Therapies covered by Humana include the following:
- Cognitive behavioral therapy teaches you to address unhealthy thought patterns and replace them with healthy ones.
- Individual therapy provides a confidential space for you to talk about sensitive things that are behind your mental health condition.
- Group therapy allows you to learn from others and to support them.
- Dialectical behavior therapy addresses emotional regulation and acceptance and is key to addressing personality disorders.
- Grief therapy addresses the complex and difficult process of grieving.
- PTSD treatment is for individuals who face lingering and recurring effects of trauma.
- Sexual trauma therapy addresses those who have endured sexual assault or abuse.
Humana also covers therapies related to substance abuse treatment and may also offer coverage for treatment options like medication-assisted treatment (MAT). If you or a loved one needs this kind of treatment, Mark Behavioral Health can refer you to quality care.
Types of Mental Health Disorders Covered by Humana in Florida
Humana covers a variety of mental health disorders that affect people living in Florida.
These mental health disorders include the following:
- ADHD, which affects your ability to concentrate and regulate impulse control
- Anxiety disorders which include a range of disorders that create symptoms of abnormal fear and worry
- Bipolar disorders which include depressive and manic symptoms
- Depressive disorders that affect your outlook and ability to concentrate
- PTSD which describes lingering feelings of fear and anxiety after a traumatic event
- Schizoaffective disorders and schizophrenia which describe hallucinations and delusions that disrupt daily life
Inpatient Mental Health Services Covered by Humana in Florida
Humana covers more than just therapies for mental health treatment in Florida.
Coverage for inpatient treatment includes:
- Trauma-informed care: which guides other therapeutic interventions toward a healing approach and not just a cognitive one.
- Crisis interventions: these interventions help clients through episodes of crisis so they can concentrate on receiving proper treatment.
- Peer support groups: support groups are important to long-term mental health recovery and management.
- Medication management: Humana offers help with medication by covering medically needed prescriptions.
- Case management: Case management helps you with practical tasks such as finding community resources to help you after treatment.
How Much Do Inpatient Florida Mental Health Programs Cost with Humana?
The cost of inpatient treatment in Florida using Humana health coverage can vary depending on your insurance plan or your treatment plan.
While your monthly premiums will remain stable, other out-of-pocket expenses may change depending on whether you work with an in-network provider or an out-of-network provider.
These out-of-pocket expenses include:
- Deductible
- Coinsurance
- Copay
At Mark Behavioral Health, we work with the individual needs of our clients to help you find payment options for the out-of-pocket expenses that remain.
How to Check Your Humana Coverage for Inpatient Mental Health Care in Florida
If you want to know more about your insurance plan and what it covers for residential care at Mark Behavioral Health, you can call Humana directly. Their representatives will be able to help you understand the details of your coverage.
The second thing you can do is call us at Mark Behavioral Health. We can verify your insurance, help you understand what’s covered, and match you with the right program.
Verify Your Humana Coverage and Start Mental Health Treatment in Florida
Thanks to insurance coverage, the barrier to getting quality mental health treatment is lower than what it would be otherwise.
That’s why Mark Behavioral Health works with a variety of health insurance companies serving Florida, so everyone who needs treatment can get it.
Call us today to learn how you can get started with the mental health treatment you need.
