They provide coverage for all therapy modalities proven to reach healthy and desired outcomes, including: This is a way of ensuring appropriate care and reimbursement for each of its members. It’s important and vital to Humana that all mental healthcare is based on evidence, clinical rigor, and the given diagnosis. This way, your mental health care stays between you and your therapist - not the insurance company and anyone who has access to your insurance account information. If you would prefer that your therapist doesn’t disclose your diagnosis with Humana, consider your out-of-network options. They’ll share this diagnosis with Humana as a way of accounting for coverage. When you start therapy, your therapist will designate a diagnosis for your condition, situation, or goals. From that mission, Humana provides coverage for a wide range of mental health conditions. What types of mental health conditions does Humana cover?īoosting mental health is part of the Humana mission. If you’re concerned about the cost of therapy, there are many ways to decrease the impact on your budget such as sliding scale fees or joining a support group. It’s typically most cost-effective to see a therapist in-network with Humana. Some plans offer coverage for out-of-network therapists as well, ranging from 25% - 45% coinsurance, which means that you’ll be responsible for that amount of the session fee each time you see your therapist. While therapy costs depend on your specific plan, expect to pay a copayment of between $25 - $100 per visit with your in-network therapist. How much does therapy cost with my Humana plan? You’ll speak with a Humana customer service representative who can answer your questions. You might also call the phone number on the back of your Humana health insurance card to learn more about your specific plan details and mental health benefits coverage. Example Humana Summary of Benefits, with outpatient mental health section highlighted There, you’ll find the coverage rates for both in-network and out-of-network therapy visits. When you find your Summary and Benefits document, which is generally found online through your Humana portal, look for the “mental health services” line. This makes it easy for you to figure out how much therapy coverage your Humana plans allows - and to calculate how much therapy will cost you. The Summary and Benefits document lists out the coverage provided for each service type, usually in a line-by-line format. How do I check if my Humana plan covers therapy?Įach Humana plan comes with its own Summary and Benefits document. Humana Behavioral Health, the arm of the health insurance company that provides mental health benefits, includes a team of care managers to help you understand your benefits and guide you in your search for a budget-friendly therapist. The amount of coverage, however, depends on your location, your therapist’s provider status, and your exact plan type. While Humana is a sizable health insurance company that offers dozens of plans, all of their plans have mental health benefits. Yes, Humana health insurance plans offer therapy coverage. Humana Behavioral Health is a subsidiary of Humana and is the company responsible for offering therapy coverage for its members through the management of a therapist network. They provide health insurance coverage - through HMO, PPOs, FFS, and SNP plans - for millions of Americans across the country, which typically includes mental health benefits like therapy. Humana is a large health insurance company that aims to support healthy lives across the lifespan.
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