Key Takeaways
- Aetna health insurance covers drug and alcohol rehab, along with mental health services and behavioral health services, under most plans.
- Aetna typically covers detox, inpatient rehab, outpatient rehab, partial hospitalization programs, and aftercare, though your coverage details depend on your specific plan.
- The Affordable Care Act requires health insurance plans to treat substance use disorders and mental health treatment as essential health benefits.
- Aetna uses clinical policy bulletins and medical necessity criteria to determine which addiction treatment services your plan covers.
- Unlike many insurance providers, Aetna sometimes offers out-of-network coverage, giving you more flexibility in choosing rehab centers.
- The Lakes Treatment Center accepts Aetna and provides inpatient and outpatient rehab, medication-assisted treatment, and long-term aftercare support.
If you are struggling with substance misuse, don’t let the cost of treatment stop you from seeking the help that you need. There are several programs available to assist you in paying for the costs of substance misuse treatment, which can be expensive. One of those resources is through insurance, such as Aetna drug rehab coverage.
This post will take a look at what Aetna drug rehab coverage is and how it can help you pay for substance misuse treatment. We’ll also talk about how you may identify in-network programs that are covered by your insurance coverage and give the therapy you need.
What is Aetna?
Aetna is among the largest health care firms in the United States, offering a wide array of insurance policies and plans. With a history of almost 170 years, the organization is dedicated to individualized support, wellness, and long-term health management.
Another benefit of Aetna insurance is that you will have access to one of the largest healthcare provider networks in the country. So no matter where you reside or what treatment you require, you are sure to locate an in-network hospital or provider.
Is Drug Rehab Covered By Aetna Insurance?
The good news is that if you are seeking an insurance carrier or already use Aetna insurance, they offer drug rehab coverage. Thus, if you need to undergo treatment for substance misuse and cannot pay the full cost yourself, you might be able to get insurance to cover it.
Aetna offers three types of insurance coverage, including:
- Open access plans: These plans let you select your own doctors, without referrals or a primary care physician.
- Co-pay-only plans: You’re only responsible for your deductible and co-pays with these plans.
- High deductible plans: These types of plans offer preventative care treatments that you can get before you meet your deductible.
It is also worth noting that Aetna, unlike many other insurance carriers, sometimes covers out-of-network institutions and providers. So if you’d like to participate in a program at an out-of-network treatment center, you may have greater freedom. However, you will need to check your unique policy to understand whether or not this is possible.
Aetna Drug Rehab: Treatment Options For Those With the Insurance
And if you’re one of the Aetna policyholders, you need to know what kind of coverage you have regarding drug rehab programs. Always do your homework ahead of time, because not every policy or plan is going to be the same in what they cover.
That said, here are the substance addiction treatment programs that may be covered by Aetna:
- Detox: Depending on your plan, detox may be medically supervised or medication-assisted — meaning you’re going through the withdrawal process while under the observation of a skilled medical care team.
- Residential Treatment: Many Aetna plans include residential treatment programs, meaning you can do your program on-site with 24/7 access to your care team and addiction resources.
Outpatient Treatment: Most Aetna insurance policies will cover outpatient drug rehab treatment and any associated resources, including therapy. - Partial Hospital Treatment: You may have coverage available for partial hospital treatment. This type of treatment includes many of the same resources as a residential treatment program.
- Aftercare Options: Aetna insurance can assist you with the costs of aftercare options, including alumni programs, therapy, life-skills training, and counseling.
Obtaining Addiction Treatment With Aetna Insurance
Once you know what Aetna drug rehab coverage offers, your next step is to start your treatment program. There are a few things you need to do first to make sure that you are getting the most out of your insurance coverage and decreasing your out-of-pocket spending.
Know Your Plan
Prior to starting your search for drug treatment programs in your area, you need to investigate your plan first. There are three kinds of insurance plans that Aetna offers, each one having its benefits and cons. There are various things that can influence the coverage you can receive and the facilities you have access to.
The best method to get a feel for how your plan operates is to visit the Aetna website. You can examine the details of your policy and take advantage of educational tools there. Or, if you are still having trouble understanding how your plan works, you can also call Aetna directly and talk to an advisor.
Research Clinics
The next thing you need to do is to find out about the substance misuse treatment centers that you might want to go to. The simplest method to do this is through the Aetna website, which offers a comprehensive database of in-network providers and facilities. But, depending on your plan, you may also be able to gain coverage for out-of-network care.
You will have to cross-check the in-network facilities and also the treatment programs that are covered by Aetna.
Budget For Your Out-of-Pocket Costs
If you do have drug rehab coverage, it is probable that you will still have out-of-pocket costs for your addiction treatment. So it’s best to plan ahead for these kinds of expenses so that you’re not caught off guard.
For this, you need to understand what your plan covers, including what your deductible or co-payments would be. To have a better understanding of your out-of-pocket expenditures, you should look into treatment facilities that offer clear pricing. You’ll also want to think about whether or not you’ll have to pay for any medications during therapy.
Why Aetna Policy Holders Choose The Lakes Treatment Center
One of our aims at The Lakes Treatment Center is to help those who struggle with substance misuse obtain the care they need. And we are accomplishing this in part by taking a wide array of insurance plans, including those provided by Aetna.
So, if you have an Aetna plan, many of the substance abuse treatment programs that we have at The Lakes Treatment Center are open to you. You will be able to gain:
- Therapeutic Resources: The Lakes Treatment Center places a heavy emphasis on therapeutic resources and ongoing treatment. This is why we provide several sorts of therapies, including physical, art, evidence-based, family, group, and mindfulness therapy.
- Local Treatment: You may have to travel to seek substance abuse treatment, which could be less accessible for your condition. That’s why, if you choose an outpatient program, it’s so important to choose a local treatment center such as The Lakes Treatment Center.
- Inpatient and Outpatient Treatment: The Lakes Treatment Center provides both inpatient and outpatient treatment programs, so you can select the option that best meets your needs and goals.
- Medication-Assisted Treatment: We offer medically supervised detox for those who are concerned about the withdrawal process, so you can experience withdrawal safely under the supervision of medical professionals. We also offer medication-aided detox to make the detox process safer and easier.
- Aftercare Tools: What happens after you complete your treatment program is just as essential as the program itself. That’s why we offer aftercare tools to help support your recovery over the long term.
Join a Drug Rehab Program Today: The Lakes Treatment Center
If you are struggling with addiction, the last thing you want to be concerned about is the cost of treatment. But regrettably, this is one big hurdle that might prevent many people from getting the substance misuse therapy that they need. This is why you should seek an insurance policy that helps you pay for drug rehab, such as the coverage offered by Aetna.
At The Lakes Treatment Center, we recognize that the cost of substance misuse treatment can be a barrier to people. We take several different insurance policies to cover things like outpatient and inpatient treatment, therapy and detox.
Ready to begin your recovery journey and sign up for a drug rehab program? If this is the case, contact us immediately at The Lakes Treatment Center to discover more about what insurance policies we take.
Frequently Asked Questions About Aetna Drug Rehab
Does Aetna cover mental health treatment?
Yes. Aetna plans include mental health services and behavioral health coverage alongside addiction care. If you have co-occurring conditions, your plan can cover integrated treatment that addresses your mental health and substance use together.
Does Aetna cover medication assisted treatment?
Most Aetna plans cover medication assisted treatment (MAT), which combines approved medications with counseling and therapy. Coverage for specific medications is guided by Aetna’s clinical policy bulletins and medical necessity criteria, so confirm the details with your plan.
What levels of outpatient care does Aetna cover?
Aetna generally covers the full range of outpatient care, including standard outpatient therapy, intensive outpatient programs, and partial hospitalization programs. Outpatient rehab often includes individual and group therapy and lets you continue living at home during treatment.
Can I use Aetna at an out-of-network rehab center?
Sometimes. Aetna is one of the few insurance providers that may offer out of network coverage for addiction treatment, though your share of the costs will usually be higher than with in-network care. Check your specific policy to see whether out of network providers are included.
How do I verify my Aetna coverage at The Lakes Treatment Center?
Contact our admissions team and we will verify your Aetna health insurance benefits for you. We can walk you through your expected costs, confirm which of our programs your Aetna plan covers, and help you take the first step toward recovery.
