Recreate Life Counseling provides partial hospitalization (PHP) and intensive outpatient (IOP) treatment for substance use and mental health in Boynton Beach, Florida. If you have a Humana card, this page explains which Humana plans still exist, how each one handles addiction treatment, what you can expect to pay, and how to check your coverage before you start.
Our admissions team verifies Humana benefits for free. Network status and your exact cost depend on which Humana plan you hold, so we confirm both and give you a written estimate before you commit to anything.
Which Humana plan do you have?
Humana looks very different than it did a few years ago. In 2023 it announced it would leave the employer group commercial medical business, and that exit was phased in over the following two years. Humana had already stopped selling individual marketplace plans. So if your Humana card came from an employer plan, it has likely been replaced by another carrier, and that carrier’s rules now apply.
Most people who carry a Humana card today fall into one of these groups:
| Humana coverage | Who has it | What it means for treatment |
|---|---|---|
| Humana Military (TRICARE East) | Military families and retirees in the TRICARE East Region, which includes Florida | TRICARE rules apply, not Humana commercial rules. See our TRICARE page. |
| Humana Medicare Advantage | People 65 and older or with qualifying disabilities | Medicare rules and a Humana network apply. Ask admissions whether your plan can be used here. |
| Older employer or individual Humana plans | Members whose plan has not yet been replaced | The plan’s own network, deductible and authorization rules apply until it ends. |
The fastest way to know which applies to you is the name and logo on your card. A card that says Humana Military or TRICARE is a military plan. Bring whatever card you have to the benefits check and we will sort out which rules apply.
Does Humana cover substance abuse treatment?
Humana plans that are still active cover medically necessary substance abuse treatment and mental health care. Federal parity law prevents a plan from limiting addiction care more strictly than medical or surgical care, and the Affordable Care Act lists mental health and substance use disorder services as essential health benefits for most plans.
Coverage still comes with conditions. Most Humana plans require:
- Medical necessity. A clinical assessment has to show the level of care fits your needs.
- Preauthorization for higher levels of care such as inpatient treatment and partial hospitalization, and sometimes for IOP.
- A provider in the Humana behavioral health network, or a plan that pays for out-of-network care.
Inpatient and outpatient rehab coverage
Humana plans cover the full continuum of care, from detox to outpatient therapy. Recreate provides the outpatient levels. If you need withdrawal management or 24-hour care first, we refer you to a partner program and bring you into ours when you are ready to step down.
| Level of care | Typical Humana coverage | At Recreate |
|---|---|---|
| Detox programs | Covered when medically necessary, usually with preauthorization | Referral to a partner detox |
| Inpatient and residential treatment centers | Covered with preauthorization | Referral |
| Partial hospitalization (PHP) | Covered as an outpatient behavioral and rehab service, usually with preauthorization | Yes |
| Intensive outpatient (IOP) | Covered, with authorization rules that vary by plan | Yes |
| Individual, group and family therapy | Covered | Yes, as part of PHP and IOP |
| Co-occurring mental health conditions | Covered under the same behavioral health benefit | Yes |
Outpatient rehab services cost the plan and you less than inpatient rehab services, which is one reason PHP and IOP are approved readily when they fit. If you are at risk of severe withdrawal or are not safe, the right first step is a hospital or detox program, and we help arrange that.
Does Humana cover Suboxone and methadone?
Medication-assisted treatment for opioid use disorder is generally covered, but it often runs through different parts of the plan. Suboxone (buprenorphine and naloxone) is a prescription medicine, so it is usually billed to the pharmacy benefit and may need prior authorization. Methadone treatment for addiction can only be given at certified methadone clinics, called opioid treatment programs, which bill the medical benefit.
At Recreate, we coordinate medication-assisted treatment and medication management with your prescribing provider while you attend PHP or IOP, so counseling and medication work together. Treatment coordination is part of what admissions handles from the start.
In-network vs. out-of-network providers
Network status is the biggest driver of cost. An in-network provider has a contract with your Humana plan that sets the rate and limits what you can be billed. An out-of-network facility has no contract, so the plan pays less or nothing, and the provider can bill you the difference.
| Plan type | In-network providers | Out-of-network facility |
|---|---|---|
| HMO | Covered after copays. Often needs a doctor referral. | Not covered except in emergencies |
| PPO | Covered at the plan’s best rate | Covered at a lower rate, often with higher deductibles |
Humana uses its own network of mental health care providers for behavioral health. We confirm whether Recreate is in network for your specific plan during the benefits check, rather than assuming.
What you will pay, and options for non-covered costs
Your share depends on your deductible, copays and coinsurance cost sharing, and your out-of-pocket maximum. Once you reach the out-of-pocket maximum, the plan pays the full allowed amount for covered in-network care for the rest of the plan year. A full PHP and IOP course often reaches that ceiling, which is worth knowing when you compare costs.
If part of your care is not covered, plan holders still have options:
- Ask admissions about self-pay rates and payment options for the portion your plan does not pay.
- Check whether a health savings account or flexible spending account can cover copays and the deductible.
- Ask your employer whether an employee assistance program offers free counseling sessions that can bridge the gap.
How to verify Humana coverage and start treatment
- Have your Humana ID card ready. We need the member ID and the plan name on the front.
- Call us or complete the confidential form on this page. Our admissions team takes your information and a few details about what is going on.
- We contact Humana to confirm active coverage, network status, deductible and copays, and preauthorization requirements for PHP or IOP.
- You get a written estimate before you agree to anything.
- If you move forward, we complete a clinical assessment, request authorization, and schedule your start date.
You can also check yourself by calling the member service number on the back of your card and asking a member service specialist two questions: is Recreate Life Counseling in Boynton Beach, Florida in network for behavioral health on my plan, and what are my benefits for partial hospitalization and intensive outpatient treatment.
Programs and therapies at Recreate
Inside PHP and IOP, treatment combines individual therapy, group therapy and family therapy with evidence-based approaches such as cognitive behavioral therapy, dialectical behavior therapy and trauma therapy including EMDR. Holistic approaches to recovery, such as yoga and art, are used as a complement. Before discharge, you build a relapse prevention plan and an aftercare plan.
Recreate Life Counseling is accredited by The Joint Commission and licensed by the Florida Department of Children and Families.
Frequently asked questions
My employer plan used to be Humana. What now? If your employer moved to a new carrier, your coverage follows the new plan. Bring the new card to the benefits check. We have guides for Blue Cross Blue Shield, Aetna and Cigna.
Does Humana require preauthorization for rehab? Usually yes for inpatient treatment and partial hospitalization, and some plans require it for IOP. We request it before your first day.
Does Humana cover mental health treatment without a substance use problem? Yes. Mental health counseling and PHP or IOP for depression, anxiety and trauma are covered under the same behavioral health benefit.
I have TRICARE through Humana Military. Does this page apply? No. TRICARE has its own rules for referrals and costs, explained on our TRICARE page.
What if Humana denies coverage? You can appeal. Our admissions team can explain the next step and support it with clinical documentation.
Written by: The Recreate Life Counseling Editorial Team
Published on: April 1, 2019
Updated on: November 11, 2026
