Using Your Aetna PPO Plan for Rehab Coverage
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When you’re searching for addiction treatment, it’s important that your insurance carrier provides the right substance abuse and mental health coverage for drug and alcohol rehab. There are certain insurance providers made available to individuals courtesy of the Affordable Care Act and the CARES Market, and clients often have questions regarding whether an addiction treatment facility accepts these forms of coverage.
Because of legislation written into the CARES Act, currently, all health insurance companies must provide some type of drug and alcohol treatment coverage. One of the biggest inquiries we receive at Rehabs Of Armerica is whether Aetna Insurance provides coverage for our substance abuse treatment and mental health services.
If you’re wondering about Aetna substance abuse treatment and Aetna PPO insurance rehab coverage, you might want to read this article in its entirety, as it covers important material that may have a direct effect on your drug and alcohol addiction treatment.
Keep reading to find out more about Aetna addiction treatment coverage and how Rehabs Of Armerica can provide accessible Aetna treatment programs today!
Aetna Insurance Coverage: Substance Abuse Treatment Eligibility
Aetna Insurance does cover addiction treatment. However, the extent to which this insurance company covers your addiction treatment depends heavily on your specific policy and a few other variables.
To better understand your Aetna PPO rehab coverage, or if you’re new to Aetna Health Insurance, it helps to have a clear picture of the specific policy information of this insurance company.
Your Aetna Health Insurance Plan
By virtue of the Mental Health Parity and Addiction Equity Act and the Affordable Care Act, insurance companies in the United States are obligated to offer their customers coverage for substance misuse disorders. As a consequence of this, Aetna’s health insurance policies do, in fact, include coverage for treatment for substance abuse and alcoholism. There is also the option of purchasing mental health insurance through Aetna.
Potential clients should be prepared to pay some out-of-pocket costs for their alcohol and drug rehab in treatment facilities because the amount of coverage for substance abuse treatment does vary from plan to plan. It is important to note, however, that the amount of coverage for drug and alcohol rehab does vary. In addition, some plans simply cover the detox process, while others include both detox and ongoing rehabilitation programs at drug and alcohol rehab.
In-Network Insurance Coverage and Other Specific Terms
Most PPO policies offered by Aetna Insurance coverage include some of out-of-network coverage; however, as is the case with all insurance plans, it is imperative that you verify with your administrator to determine what aspects of your plan are covered.
Prior to the approval of insurance coverage in substance abuse treatment facilities, it may be necessary, in certain circumstances, to obtain prior authorization. Though this is less common when it comes to Aetna PPO insurance rehab coverage, we can help make this process as smooth and seamless as possible.
Aetna’s substance abuse treatment policy flags for a pre-certification to verify that treatment is being administered by appropriately trained addiction counselors, medical professionals, and authorized treatment facilities. Your agent at Aetna Insurance must also be sure that the care you’re receiving will be beneficial to your situation, and we are able to help with all parts of this authorization if it is required.
HMO, PPO, and Other Plans
A Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) plan offered by an employer could provide coverage for Aetna Insurance rehabilitation services.
Your coverage for drug abuse will differ based on the type of Aetna PPO plan you have, in addition to a range of other considerations, such as the services you require during your stay at a treatment center and the mental health services you receive.
Rehabs Of Armerica can help provide knowledge about accessing treatment for substance abuse, as well as give options from top providers nationwide, while making use of your Aetna Insurance plan.
If you have questions regarding your Aetna PPO insurance rehab coverage or about the treatment process itself, you can contact our team of recovery representatives at Rehabs Of Armerica and we are more than happy to help get you the answers and help you deserve.
Terms to Know Regarding Your Aetna Health Insurance
Understanding the specifics of your Aetna Insurance coverage for rehabilitation is essential, but there are also a number of general insurance phrases that you should become familiar with first.
Coinsurance/Copay
When your Aetna Insurance coverage for rehabilitation begins to take effect, this is the amount that you will be responsible for paying for each health care service. For instance, if your coinsurance rate is ten percent, Aetna will ask payment from you for 10% of all costs that are covered while the policy pays the remaining 90% of those costs.
Deductible
The amount of money that must be paid out of pocket each year to your treatment provider before your health insurance coverage will begin to pay for your medical expenses.
Maximum Out of Pocket
This is the maximum amount that your Aetna rehabilitation coverage policy permits you to spend out of pocket before the insurance company begins paying for the full cost of your medical services.
Aetna PPO Insurance Rehab Coverage Premium
The amount of money that you pay on a basis (either monthly or annually) to your Aetna Insurance provider in exchange for coverage is known as the premium.
In most cases, those entering rehab must have their individual treatment plan approved by their primary care doctor. In addition, your treatment plan will be reviewed by Aetna before coverage is approved.
If your Aetna plan has a co-payment, Rehabs Of Armerica will let you know the exact amount before you commit to attending any facility. Plans sold through the Health Insurance Marketplace must cover ten “essential health benefits” as mandated by the Affordable Care Act. Help for mental health issues, such as addiction recovery, is included.
Entering a Treatment Center with Aetna Insurance
After finding rehabs that accept Aetna insurance with one of our accredited treatment center partners, you’ll go through a comprehensive and trauma-informed Intake process – the first step to succesful behavioral health treatment.
When you arrive at the facility of your choosing, experienced and compassionate staff will do everything they can to ensure that you pay as little as possible for the high-quality care you require. All the facilities we work with are familiar with the provisions and coverage of Aetna PPO plans, and will assist to help make sure you have access to all the treatment options you need!
Aetna Substance Abuse Treatment and Behavioral Health Treatment Coverage
If you are planning to use Aetna PPO insurance rehab coverage and want assistance figuring out the details of your plan, contact us today. Our dedicated team can give you a breakdown of costs and coverage details, often within minutes!
After the admissions process, you can truly begin your treatment. Conditions such as addiction, anxiety, depression, personality disorders, body dysmorphic disorder, and panic disorder can all be treated in a residential setting in a behavioral health center.
One or more of the following services may be useful to you depending on the type of assistance you are seeking:
- Medical detox
- Residential treatment
- Dual diagnosis therapy
- and other options
What is Addressed During Inpatient Addiction Treatment?
Addiction, anxiety, depression, personality disorders, body dysmorphic disorder, and panic disorder are just some of the mental health illnesses that can be helped in a residential environment at a Behavioral Health Center. The symptoms of these mental health problems can vary, but they all have the potential to disrupt your personal life and make it harder to engage in the activities you enjoy.
Depending on the severity of your mental health issue and the kind of help you need, you may benefit from one or more of the following services:
- Group therapy sessions
- Individual talk therapy
- Family therapy
- Medication-assisted treatment
Trauma-Based Care
Substance abuse disorders are much more common among those who suffered some type of trauma than among the general population. Combat veterans and those who witnessed violence while serving in the armed forces are at an increased risk, in addition to anyone that’s ever suffered any type of mental or physical abuse.
Post-traumatic stress disorder (PTSD) is also more common among trauma victims and can lead to symptoms such as flashbacks, nightmares, anxiety, and other issues that can make it hard to function in daily life.
Because of these distinct issues, Rehabs Of Armerica is proud to partner with facilities that offer services tailored to trauma survivors. Treatment for trauma, post-traumatic stress disorder (PTSD), and substance abuse are all available to you through these programs.
Because an Aetna PPO insurance rehab can potentially cover so many different types of behavioral health care, getting the exact care you need is less of a hassle.
Aftercare Following Addiction Treatment
It’s crucial to have aftercare services after finishing residential treatment in order to keep on track. As part of an aftercare program, the facility you attend will offer regular assessments, community support, and other individualized services based on your needs and choices.
Clients exit treatment and if they’re not prepared, suffering a relapse could be a reality, especially if the proper aftercare measures aren’t taken.
This can include getting your family involved and organizing the best support structure possible. While it’s not always family that is supportive and helpful, if you don’t have people on your side holding you accountable for your sobriety, it can become very difficult – especially in the first few months, to maintain the strength to stay sober.
For these reasons, the facilities we partner with also provide relapse risk assessments and offer relapse prevention classes to help you avoid drinking or using again. It is all a part of what an effective aftercare package consists of – a vital foundation for your recovery journey.
Use Your Aetna PPO Plan to Get Top Treatment Now
At Rehabs Of Armerica, we have years of experience in dealing with Aetna. If you’re having difficulties finding out whether they provide coverage for rehab services, or if you have any other inquiries regarding your health insurance provider and what is included in your policy, contact us now.
We have experts standing by waiting to answer your questions or handle any pre-approval requests you have. Don’t be afraid to contact us yourself regarding pre-authorization, we are happy to help make the process of Admission as easy as possible!
For more information on our nationwide selection of treatment programs, contact one of our recovery representatives today. All calls are completely confidential and discreet, so please reach out now and get options for a firm footing in recovery!
* Disclaimer: Rehabs Of Armerica is not affiliated with or endorsed by Aetna. Details about Aetna’s PPO coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.
Edward lives and works in South Florida and has been a part of its recovery community for many years. With a B.A. in English Literature from the University of Massachusetts, he works to help Find Addiction Rehabs as both a writer and marketer. Edward loves to share his passion for the field through writing about addiction topics, effective treatment for addiction, and behavioral health as a whole. Alongside personal experience, Edward has deep connections to the mental health treatment industry, having worked as a medical office manager for a psychiatric consortium for many years.
