Therapists Accepting Humana
8,335 in-network mental health providers across 52 states
Updated
Humana, one of the largest health insurance companies in the United States, provides coverage for over 8,300 in-network mental health professionals across all 52 states. Humana plans - whether employer-sponsored, individual market, Medicare Advantage, or Medicaid - typically include mental health benefits, though coverage details vary by plan type and state.
To access your Humana mental health benefits, log into the Humana member portal or call the behavioral health number on your insurance card. Most Humana plans cover therapy without requiring a primary care referral - you can directly schedule appointments with in-network therapists. Copays typically range from $15-$50 per session depending on plan tier.
Humana has invested in integrated care models, particularly for older adults and complex medical cases. If you're a Humana Medicare Advantage member with multiple health conditions, your mental health treatment can be coordinated with your primary care and specialist care, often through Humana's nurse care coordination programs.
Humana Coverage at a Glance
8,335
In-Network Providers
52
States Covered
$136
Avg Session Fee
$20-$380
Fee Range
Top Specialties Among Humana Therapists
Number of Humana-accepting therapists specializing in each area (from 87K+ therapist profiles)
Understanding Your Humana Therapy Benefits
Humana's behavioral health benefit structure depends on your specific plan. Most commercial Humana plans cover individual psychotherapy at 80-100% of the allowed amount after meeting your deductible, with copays between $20-$40 per visit for in-network providers. Virtual therapy visits are reimbursed at the same rate as in-person visits with no additional restrictions.
Humana has simplified its prior authorization process for behavioral health in recent years. Most routine outpatient psychotherapy can begin immediately without authorization, with Humana conducting post-review within 10 business days. This streamlined approach reduces delays in starting mental health treatment.
For Humana Medicare Advantage members, mental health benefits typically include therapy at $0-$40 copays with no visit limits. Most Humana MA plans waive the 190-day lifetime limit on psychiatric hospitalization and offer no prior authorization requirement for the first 12 outpatient therapy sessions per year.
Humana's out-of-network benefit for behavioral health typically covers 50-70% coinsurance after a higher deductible. Balance billing is possible with out-of-network providers, so always request a cost estimate before starting out-of-network therapy. Humana provides estimates of "allowed amounts" to help you understand potential out-of-pocket costs.
What Humana Covers for Mental Health
Humana covers all major evidence-based therapy modalities without requiring special authorization or clinical justification. Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), acceptance-based therapies, and trauma-focused treatments are all standard covered services.
Substance abuse treatment and addiction counseling are comprehensively covered by Humana plans following federal parity requirements. Coverage includes individual counseling, group therapy, Medication-Assisted Treatment (MAT), and intensive outpatient programs. Humana has partnerships with major addiction treatment networks.
Family and couples therapy are covered by Humana plans. Multi-person session codes (90846-90847) are reimbursable without requiring individual diagnoses for each participant. Humana's coding guidelines are relatively flexible, allowing therapists to appropriately bill for relational work.
Psychological testing including ADHD evaluations, neuropsychological assessments, and autism spectrum assessments are covered by most Humana plans. Testing typically requires prior authorization, which Humana processes within 2-5 business days. Coverage is particularly robust for Medicare Advantage members.
Find a Therapist Near You
Browse our directory of 30,144 verified therapist profiles with detailed information about specialties, fees, and availability.
Browse TherapistsFrequently Asked Questions About Humana Therapy Coverage
How many therapists accept Humana?
Based on our data covering 87,000+ therapist profiles, approximately 8,335 therapists accept Humana across 52 states. This makes Humana one of the more widely accepted insurance plans for mental health services in the United States.
What specialties can I find with Humana coverage?
Therapists accepting Humana cover a wide range of specialties including Anxiety (5,275 providers), Depression (4,318 providers), Trauma and PTSD (3,081 providers), Relationship Issues (1,660 providers), ADHD (1,404 providers). This breadth of coverage means you can find specialized care for most mental health concerns.
How much does therapy cost with Humana?
Among therapists who accept Humana, listed session fees average around $136, ranging from $20 to $380. Your actual out-of-pocket cost depends on your specific plan's copay, coinsurance, and deductible. Many in-network visits have a copay of $20-$60. Contact your plan for exact benefit details.
Can I see a Humana therapist online?
Yes. Most Humana plans now cover telehealth therapy at the same rate as in-person visits. Many therapists in our directory who accept Humana offer virtual sessions, giving you access to in-network care from anywhere in your plan's service area.
How do I verify my Humana therapy benefits?
Call the member services number on the back of your Humana card and ask about your behavioral health benefits. Key questions: What is my copay for outpatient therapy? Do I need a referral? What is my deductible for behavioral health? Is there a session limit? You can also check the Humana member portal online.
Are there Humana therapists who speak languages other than English?
Yes. Therapists accepting Humana include providers who speak Spanish (387), French (54), Hindi (46), Arabic (26), Urdu (26) and more. Multilingual therapists can provide more effective treatment when you're working through complex emotions in your primary language.