Aetna Insurance

Many insurance policies set a predetermined limit onsubstance abuse treatment rather than looking at the individual as a whole. Recognizing there are no one-size-fits-all plans fordrug andalcohol abuse, Aetna works with an individual’s needs to find a solution.Find a rehab that accepts Aetna insurance today.

Check Your Insurance Coverage

Aetna may cover the cost of your addiction treatment.

Start browsing treatment centers that are in-network with your insurance provider.

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Aetna Healthcare Addiction Resources

Aetna is committed to patient follow-up with their Continuing Care programs. Members meet weekly and offer support for the “alumni” of various treatment programs. Sometimes social events are organized to celebrate an achievement or recent recovery. The results from programs like these are significant – they keep individuals affiliated in their community with on-going support.

Aetna Policy Coverage For Substance Abuse

To determine what your individual plan covers – including coinsurance, copays, and deductibles – you will need to contact your insurance provider. Additionally, you cancontact a treatment provider to have a free and confidential conversation to check your coverage.

With Aetna insurance, individuals may be covered for the following substance abuse treatments:

• Detoxification
• Inpatient rehabilitation
• Partial hospital treatment
• Intensive outpatient treatment
• Aftercare programs

Do Treatment Centers Need To Be In-Network?

Even though not all Aetna plans require service providers to be in-network, programs that are out-of-network may cost more. It’s also important to note that programs not in Aetna’s network have not been screened for treatment that is consistent with current standards of practice.

In some cases, pre-certification or authorization of a treatment program will be required. Such cases may include:

• Inpatient admissions
• Outpatient detoxification
• Residential treatment center admissions
• Intensive outpatient programs
• Partial hospitalization programs

Pre-certification involves a review process to determine whether the requested service or program meets Aetna’s clinical criteria for coverage. Be sure to check with your insurance provider to see if your substance abuse treatment will require pre-certification before you begin the program.

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Aetna Coverage For Inpatient Treatment

Depending on your location and Aetna policy coverage, the costs associated with inpatient rehab programs may vary.

Inpatient Rehab Service And Costs

For in-network inpatient services, some Aetna plans have 0% coinsurance – insurance that kicks in once you pay your full deductible. Other plans may require a copay per admission for different services.

In regards to out-of-network providers, coverage varies based on location and the type of plan. Some plans may not cover any form of treatment that’s out-of-network; however, others have 30 to 50 percent coinsurance. Out-of-network programs frequently require a pre-certification, otherwise there will be a penalty per occurrence. Talk with your provider to determine the type of treatment your policy will cover.

Aetna Coverage For Outpatient Treatment

Outpatient rehab coverage through Aetna is different for everyone. Various costs associated with rehab services are compiled below.

Outpatient Rehab Services And Costs

Certain Aetna policies may not have an option for any outpatient services or may involve a fixed coinsurance percentage. Several other plans have a set copay per visit. The largest factors of coinsurance or copays are location and type of insurance coverage.

Speak with your insurance provider to get more information. Aetna’s 24-hour phone line allows customers to connect with a member services professional who can provide the answers you need about your policy’s coverage.

How Can I Pay The Costs Not Covered By My Aetna Plan?

Regardless of what your insurance provider will cover, there’s a wide range of alternative methods to help cover any expenses.

For more information on treatment options,contact a treatment provider today.