A treatment center will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, 14 ways to cure a headache without medication limitations, and exclusions of the member’s contract at time of service. Aetna rehab coverage offers different health insurance options to help decrease the cost of addiction treatment in a variety of centers. Continue reading this article for more information on insurance plans and their coverage.
Is Partial Hospitalization Covered By Aetna?
The following are rehab programs and rehab services which may be covered. Aetna is an insurance carrier that currently provides coverage to more than 39 million people. With such widespread coverage, it may be fairly easy to find drug rehab centers that accept your insurance coverage.
Does Aetna Cover Rehab?
Finally, verify if your chosen rehab facility is part of Aetna’s in-network provider network. Using in-network providers will maximize the coverage benefits you receive from your plan and minimize any out-of-pocket costs you might incur. People can use their savings to pay for the remaining health care costs. Other ways to help pay for the difference are reverse mortgages, annuities and trusts.
Does Aetna Cover Rehab for All Types of Addiction?
However, what it covers can vary depending on the type of policy, where the insured is located, and whether or not it is through an employer. Aetna rehab coverage is contingent upon the insured getting a referral from a doctor before entering into active rehabilitation treatment. As such, users cannot randomly check into a center of their choosing and still expect to use company insurance for rehab. While Aetna covers the majority of substance abuse treatment programs, individuals may still have to come up with money for copayments and any services not covered by their plan. Insurance plans through Aetna cover an array of evidence-based treatments and levels of care.
This approach was introduced by John David Sinclair, a researcher who discovered that naltrexone could be used to block alcohol-reinforcing effects. It is sometimes described as targeting naltrexone to use only when needed. The Sinclair Method is an option if you want to reduce your drinking, but don’t necessarily want to abstain from alcohol altogether. Percent of drug rehab costs covered can range from 40 percent to 80 percent. Aetna coverage will not pay for your portion of treatment costs (coinsurance) or treatments not covered by Aetna policies.
Is Massachusetts Intensive Outpatient Treatment Covered By Aetna?
This is a separate charge from a deductible and is usually more expensive for specialized services such as addiction care. A deductible is the amount of money paid out-of-pocket for covered services before the health plan kicks in. For example, fentanyl patch if the deductible for your plan is $1,500, you will need to pay that amount out of pocket before insurance will start covering services. When purchased on the Health Insurance Marketplace, plans come in Gold, Silver, and Bronze coverage levels.
Another important consideration when searching for Aetna insurance is whether the plan is an HMO, PPO, or POS.
With a high-deductible plan, the insured pays low premium amounts but must cover more of their healthcare expenses out of pocket before Aetna rehab coverage kicks in. While some opt for these plans to save money, it can often cost them more in the long run. Aetna does cover rehab for drugs and alcohol as part of its substance use disorder treatment benefits.
Clients may need to seek a referral from their primary care doctor before their Aetna plan will kick in. Aetna covers medication-assisted treatment for all members using a list of approved drugs. While Suboxone was removed from the list in 2023, there granada house review is a generic form of the drug that Aetna will cover. These researchers are poised to share new evidence as it emerges that will help other communities make data-driven changes so they can implement what is most efficient in justice settings.
Aetna is a private insurance company that offers addiction treatment and mental health coverage. Insurance coverage is a major consideration in choosing a drug rehab facility. Many people cannot commit to addiction treatment before sorting out the financial details first.
Check out our blog posts and resource links for the latest information on substance abuse. AddictionResource aims to present the most accurate, trustworthy, and up-to-date medical content to our readers. Our team does their best for our readers to help them stay informed about vital healthcare decisions.
- It can also serve as a step toward sobriety while minimizing the need for medically-supervised detox in residential alcohol treatment.
- The insurance provider can give detailed information about the payable amount.
- Fundamentally, an individual’s best or only option to receive addiction treatment should not have to be during incarceration.
The amount of coverage it provides varies based on a person’s insurance plan and chosen therapist. For example, if the therapist is from the network, the therapy may cost between $15-$50 per session after meeting the deductible. But if the therapist is not in-network, the person has to pay the therapist’s full fee at the time of the session. Aetna will also cover mental health treatment as well as dual diagnosis treatment for co-occurring mental health and substance use disorders.
However, it eliminates deductibles, making the company insurance more affordable. To get information on what an individual plan covers, which includes coinsurance, copays, and deductibles, contact the insurance provider. Aetna has carefully selected the health care providers in its network to ensure that members receive high quality care. For further information, contact a rehabilitation facility that will work with you to achieve the best outcome by addressing your financial and health concerns.
Dual diagnosis treatment is essential for people with co-occurring mental health and substance use disorders. Nonresidential treatment programs such as day treatment, also known as PHPs, are in-network with most plans offered by Aetna. It can also serve as a step toward sobriety while minimizing the need for medically-supervised detox in residential alcohol treatment. Unlike some other more expensive treatment options, the Sinclair Method is cost-effective and can be done at home. If you’re an Aetna member, check into your insurance coverage before looking at a rehab facility. This process can be overwhelming, which is why our Massachusetts rehab center can help.
The specific eligibility criteria can vary based on the type of plan and the level of coverage. You should contact the facility before arrival so you don’t waste the time and money to travel to the rehab center only to be denied. Aetna insurance will cover behavioral therapy as well as medication therapy that can be effective in treating conditions such as depression. In some cases, the Sinclair Method can be a great start toward recovery. If you are interested in trying the Sinclair Method, start by talking to your doctor.
Contacting the provider can help one get information on what their program covers. With the right help on the recovery path, living a better and healthy life is possible. So, the insurance coverage does extend to drug and alcohol rehabilitation.