Since 1850, Aetna has grown to provide insurance benefits for over 36 million individuals in the United States, making it the third-largest insurance provider in the country. As part of its objective to provide exceptional quality of care and benefits to individuals, Aetna works with many different rehab centers covering a broad spectrum of treatment plans and benefits. These plans include vision, dental, medical emergency, mental health, alcohol addiction, and drug abuse.
Does Aetna cover alcohol and drug treatment?
For people dealing with substance addiction, rehabilitation facilities are the best place to get help. However, the cost of rehabilitation is a big problem to deal with. Fortunately, people who have Aetna Health Plan & Insurance plans are likely covered for some or all the cost of treatment depending on the extent of the coverage. Under its behavioral health program, Aetna covers alcohol and drug rehabilitation
. The precise details of the coverage may vary depending on an individual's home state's regulations, the contract between Aetna and the rehabilitation center, and whether the individual has employer-provided insurance or an individual plan. Aetna members who want to start recovery are allowed to use their "in-network" coverage, which lets them pay less money. Members who go to a rehab center that is "out-of-network" may still able to get help from Aetna, but will more than likely be required to pay more out-of-pocket expenses. This flexibility of Aetna drug rehab coverage
allows members to receive the best treatment services they specifically need for their condition.
Does Aetna cover Inpatient and Outpatient alcohol and drug treatment?
Addiction treatment for members of Aetna Health Plan & Insurance is based on an accredited physician's medical assessment and referral. After a process of screening, physicians will decide if there's a need for medical assistance during detox and rehabilitation, whether in an outpatient or inpatient setting. The duration of rehab treatment will also depend upon the physician's initial diagnosis of the severity of the addiction. Some insurance plans for inpatient services covered under Aetna insurance are quite thorough. For instance, once patients are diagnosed with an addiction along with mental health problem (which is technically called a co-occurring disorder or dual diagnosis), Aetna will cover the addiction treatment needed. There are dozens upon dozens of possible combinations of mental disorders and substance addictions, so each health plan is specific and individually tailored depending on the treatment needed for members with disparate diagnoses.
What alcohol and drug treatment services does Aetna cover?Aetna drug rehab coverage
offers an array of addiction treatment benefits, depending on the specific policy which the client holds. At Aetna, the rehab services covered may include:
- Hospital detoxification
- Hospital-based inpatient rehab
- Inpatient admission
- Residential treatment services
- Individual therapy
- Intensive outpatient program
- Outpatient counseling
How much does Aetna cover alcohol and drug treatment?
Because Aetna offers such a variety of health coverage, the total cost of drug rehabilitation covered under Aetna insurance will depend on the type of treatment needed, the plan holder's policy, and other factors. The length of treatment prescribed, whether the plan is employer-provided or individual, and the amount of the plan holder's deductible and co-payments are all weighed and measured before Aetna offers up an exact coverage figure. In the past, for some cases, Aetna covered $10,000 worth of treatment, and occasionally $20,000 and $30,000 based on the aforementioned variables. Any other concerns a plan holder has about getting insurance coverage for drug rehab should be discussed with the rehab center and the insurance provider.
How duration of alcohol and drug treatment does Aetna cover?
It is important to know that healthcare plans have higher deductible than any other type of medical treatment. Thus, the amount of time a client will be allowed to stay in alcohol rehabilitation will also tend to be limited. Drug rehab covered by Aetna
ranges from 28 to 30 days, but can last as long as 60 or 90 days, and even up to 12 months depending on each individual's case and circumstances. If you or someone you love needs to stay longer in rehab for further medical addiction treatment, you are required to pay the remaining balance of the treatment costs which Aetna will not cover after the recommended month.
How can I get Aetna insurance for alcohol and drug treatment?
Once you've chosen a plan that interests you and addresses you or your loved one's specific needs, you may submit an online application through Aetna's secure website. It's important to remember that you cannot apply by phone. You need to complete your application form and submit your payment during the first month of coverage, and then Aetna will notify you regarding your application via email. For people who want a much faster and more hassle-free way of getting insurance coverage for drug addiction treatment under Aetna insurance
, you can contact us through our helpline at (877) 257-7997
and our knowledgeable representatives can start crafting a policy around you.
Verifying Aetna Insurance coverage for alcohol and drug treatment
The type of drug rehab covered by Aetna may vary, and the treatment center of your choice can help you verify your benefits. But if you want an easy and hassle-free way to verify your insurance coverage, you may contact our knowledgeable representatives for help 24/7.
Do you have any questions? Call us today!
If you have any questions regarding Aetna insurance and healthcare coverage about drug and alcohol rehabilitation, call (877) 257-7997
get accurate and immediate information. A team of knowledgeable representatives will be pleased to inform you about insurance options and policies that Aetna offers. For people dealing with substance abuse dependency, consistent support, proper medical care, and personalized attention are necessary ingredients for overcoming addiction. Along with Aetna healthcare, different rehab facilities across the country are in place to help people fighting the tiresome battle against addiction. We can also assist you in finding the most trusted, respected, and reliable rehab center that can best meet your needs. Kindly give us a call anytime at (877) 257-7997