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Health insurance plans now cover treatment for substance use disorders, addiction, and mental health disorders. With the passage of the Affordable Care Act, more Americans now have access to these forms of treatment. Rehabs that accept Aetna insurance are situated across the country and present a great option for policyholders looking for access to care.
If you’re looking for treatment for alcohol or drug abuse and have Aetna Insurance, you will receive at least partial coverage for rehab. Plans can vary in terms of what type of insurance coverage they provide or how long they will cover alcohol or drug rehab.
Behavioral healthcare services such as inpatient and outpatient rehab are typically covered by most Aetna insurance policies, but the amount of coverage available will vary based on the policy itself and the location, as well as the type of care, the level of care, and the duration of care.
In this article, we will look at Aetna insurance which covers a diverse range of mental and behavioral health services.
Founded in 1853 and active in all 50 states, Aetna is a healthcare company that provides a variety of health insurance plans and services to about 46 million members. The Aetna network of providers includes more than 700,000 doctors and specialists and about 1.2 million healthcare professionals
Aetna offers a variety of coverage options, including dental insurance, vision, insurance, and, of course, coverage for addiction treatment services.
In addition to a diverse range of mental and behavioral health services, Aetna insurance coverage includes options for policyholders that include detox, inpatient and residential rehabilitation, partial hospital treatment, and intensive outpatient treatment.
Unlike other insurance providers, Aetna recognizes that there are no one-size-fits-all substance abuse treatment plans for drug and alcohol abuse. As such, Aetna works with an individual’s needs to find the perfect addiction treatment solution.
Aetna offers drug and alcohol treatment coverage for a variety of types of treatment. The drug and alcohol rehab facilities they work with are screened to ensure the quality of care as well as sufficient follow-up care. Facilities are also ensured to be up-to-date on the latest technology and practices for addiction treatment.
What types of treatment Aetna will cover, as well as how much coverage is offered, is dependent on a person’s plan with the insurance company. However, thanks to the Mental Health Parity and Addiction Equity Act of 2008, insurance companies are required to provide some level of coverage for addiction treatment.
Your coverage will also depend on which state you live in. Additionally, individual and family plans can vary greatly in the level of regular health insurance coverage they offer for rehab treatment and addiction services.
Ensuring that your Aetna policy coverage includes addiction treatment is an important first step to getting on the path to recovery. There are several aspects of your plan to consider before choosing a rehab program.
At Rehabs Of Armerica, we specialize in pairing individuals with addiction treatment providers specific to their needs. This means that not only will we help you or your loved one find a treatment center that accepts Aetna, but we will also provide a treatment program that will give you or them the best chance of long-term recovery
There are several factors to consider before using your Aetna plan for drug and alcohol addiction treatment. One of these factors is finding out if the treatment facility you plan on attending is covered by your plan.
Determining which treatment programs and services you will need is also an important step in using your Aetna plan. This will allow you to make educated decisions on the treatment you pursue and ensure maximum insurance coverage.
If you have medical insurance through Aetna, the easiest way to verify your insurance benefits is by contacting Rehabs Of Armerica. Our admissions specialists will contact Aetna for you, and within five minutes, explain to you what you can expect when using your plan to cover addiction treatment.
Aetna’s rehab coverage applies to a variety of different drug and alcohol addiction services. What exactly your plan covers and what you will be required to pay out-of-pocket will be based on the type of plan you have and what health care services you are seeking out.
Some plans may require individuals to undergo a medical assessment before providing coverage for treatment. This is more common with intensive treatment services such as inpatient programs.
Services that are typically covered partially or fully by Aetna include the following substance abuse treatments:
Aetna additionally may provide coverage for more intensive addiction treatment such as inpatient and outpatient programs. Medication-assisted treatment is another common type of treatment covered by many Aetna plans.
Inpatient programs are the most intensive form of drug and alcohol addiction treatment. This type of treatment requires patients to live at a treatment facility for an extended period of time and is best suited to those with a more severe substance use disorder..
Inpatient programs consist of 24-hour supervision as well as the management of medication and mental health conditions. Patients work simultaneously on an individualized plan of recovery that is catered to their specific conditions and needs.
Inpatient treatment services may consist of:
Aetna does not cover all addiction treatment programs, similarly, not every inpatient program accepts Aetna Insurance. As such, it’s important to call ahead before attending treatment to prevent unwanted costs.
Outpatient programs are a step down from inpatient treatment and provide more freedom for patients. Outpatient facilities frequently provide care for those who are seeking treatment for the first time, or who are struggling with less severe addictions.
Outpatient services allow individuals to incorporate treatment into their everyday lives without forfeiting work, school, or family responsibilities. Many of the same services offered by inpatient rehab centers are offered in outpatient treatment on a less intensive basis.
Types of outpatient treatment include:
Typically, your Aetna insurance plan should offer coverage for a variety of outpatient programs and services. The exact amount of coverage will vary from plan to plan, and from one state to another.
Health insurance providers use a lot of acronyms (HMO, PPO, EPO, POS) and specialized terms which can be extremely confusing. In this section of the article, you will appreciate the different types of plans offered by Aetna and understand all available options. Hopefully, at the end of this, you will feel more confident about making the right decision.
These insurance plans include:
Additionally, Aetna offers several local plans supported by the national network of providers to better support patients at the community level.
A PPO policy is the best option for rehabilitation and addiction treatment because it provides a wider variety of better health networks and treatment centers to choose from. With this, they can choose from providers that are in-network and out-of-network with their insurance carrier, as well as in-state and out-of-state providers, giving them a better chance of finding the right treatment center for their needs and, as a result, a better chance of a successful recovery.
People who are managing a health condition but can’t afford higher monthly premiums may find that an HDHP saves them money in the long run.
In some states such as Delaware, Aetna’s insurance plans are categorized into four insurance tiers known as metal levels. The metal tiers are Bronze, Silver, Gold, and Platinum.
The Affordable Care Act requires each metal tier to cover a certain percentage of your health care costs.
Simply put, if you choose a bronze plan, overall you’ll pay about 40 percent of your healthcare costs, and your insurance company will pay about 60 percent. If you choose a gold plan, overall you’ll pay about 20 percent, and your insurance company will pay about 80 percent.
Metal tiers also vary in terms of monthly payments and out-of-pocket costs.
Simply put, Aetna offers insurance coverage across all fifty states of the United States. While policy types and plans offered can vary substantially from state to state and by region, if you would like more information on finding addiction treatment services specific to your state, visit our complete guides to each state and other resources below, with newly updated resources on Aetna insurance coverage now available for Arizona and California, with more state-specific Aetna guides coming soon.
The longer you avoid the substance abuse problem, the more of a problem it becomes. If you sprained your wrist tomorrow, you’d call your doctor for an appointment, so you should do the same thing when it comes to addiction.
We know that finding a rehab center is a confusing task, but we’re ready to help you navigate through the world of treatment centers. At Find The Best Rehabs, we help relieve part of the pressure that surrounds alcohol and substance abuse rehabilitation.
Call us if you’re worried about a loved one or you’re ready to take action about your own problem. We will share with you some insights on what substance abuse treatments your Aetna insurance covers, and the necessary steps to kickstart the process.
You may find that, although Aetna is accepted at a particular treatment facility and does provide coverage, you are left with a bill for part of the cost. There is a wide range of alternative methods to help cover any additional expenses. You can opt to pay through:
There are a number of different costs associated with drug rehab. Making sure you get the right insurance can ensure you get into the best drug rehab. You can obtain Aetna coverage for rehabilitation through the following means:
Aetna will cover various lengths of treatment in order to better serve you on your journey to wellness. Aetna will pay for the cost of, in whole or in part, the following lengths of treatment:
Using your Aetna insurance to cover some or all of addiction treatment can significantly reduce any financial stress associated with seeking help. Many Aetna insurance plans can reduce or eliminate the cost of alcohol and drug rehabs and services.
Speaking with our recovery representatives as well as a treatment specialist can help you better understand the treatment you need and the level of coverage you will receive. Contact Rehabs Of Armerica now to explore your options and get started on the road to recovery today!
It is not uncommon for people to seek treatment outside their home state. While this may initially seem less convenient, traveling for rehab can be extremely beneficial. One of the most significant benefits is that traveling for rehab allows you to take yourself out of your daily routine. By going somewhere new, you give yourself a fresh start in a safe environment that’s free of the distractions that may have initially caused your addictive behavior. It also brings more opportunities to find the right type of treatment program for your exact needs.
Aetna will pay for both local and out-of-state treatment. Depending on your plan, there are a variety of treatment facilities that are covered by Aetna nationwide. A facility need not be local to you to be in-network for your plan. Consult us at Rehabs Of Armerica to determine which facilities your insurance will cover for your alcohol addiction treatment.
Even though not all Aetna plans require service providers to be in-network, programs that are out-of-network may cost more. In some cases, pre-certification or authorization of a treatment program will be required. Such cases may include:
Pre-certification involves a review process to determine whether the requested service or program meets Aetna’s clinical criteria for coverage. Contact us at Rehabs Of Armerica to see if your substance abuse treatment will require pre-certification before you begin the program.
* Disclaimer: Rehabs Of Armerica is not affiliated with or endorsed by Aetna. Details about Aetna’s 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.
Anna M. joined Find Addiction Rehabs with extensive experience in the field of addiction treatment. As a former Nurse Practitioner in Miami, she found her passion for addiction treatment when a family member was lost to his disease. With each article and resource, she hopes to save other families from experiencing the anguish of a loved one’s passing due to drinking or drugs.
