Navigating your addiction recovery journey is stressful enough without the added worry about paying for treatment. If you are reading this article, you are already taking treatment financing into your own hands.
Always remember that professional help is available, as well as financing to cover it. Aetna insurance supports you financially for making a positive change in alcohol and drug rehab treatments.
Hopefully, this article will reassure you that you are on the right track by seeking therapy through Aetna.
In the following article, we will explain the extent of Aetna insurance coverage for alcohol and drug rehab. Additionally, we will include the types of treatment available for troubled addicts and their support systems.
What Is Aetna Insurance?
Aetna has made healthcare more affordable and accessible to patients seeking alcohol and drug rehab treatments. Since its establishment, it has provided health insurance coverage to millions of Americans.
Aetna has extensive health insurance experience. The company goes above and beyond to cover medical bills and improve the overall quality of healthcare services.
Let’s go through Aetna health insurance plans in more detail:
- Health Maintenance Organization (HMO): An HMO gives you a primary care doctor who will refer you to other specialists.
- Preferred Provider Organization (PPO): A PPO allows you to choose your preferred healthcare professional from within the network of providers.
- Exclusive Provider Organization (EPO): An EPO is similar to an HMO, except you don’t need referrals within the provider network.
- Point of Service (POS): POS is highly flexible since it allows you to choose between the HMO and PPO plan benefits.
- Medicare Advantage Plans: Aetna adds dental and vision coverage to your initial Medicare benefits.
- Medicaid Plans: If your income determines your eligibility for insurance, Aetna offers more affordable healthcare in certain states.
Whatever your recovery journey might look like, Aetna is here to assist you on that path with its insurance plans.
What Does Aetna Cover for Rehab?
You might be asking what exactly falls under the Aetna insurance coverage for rehab. Aetna takes care of your expenses for a wide variety of substance use disorder treatments.
Overcoming substance abuse should never come at the expense of your financial stability. Let’s explore the types of treatments under Aetna and how to make the most out of them.
Inpatient and Outpatient Rehab Programs
Inpatient and outpatient programs are the two main methods of achieving sobriety.
Inpatient programs require patients to stay at a treatment facility full-time. Patients receive round-the-clock care and assistance from the staff in inpatient treatment centers. This treatment removes the outside world’s distractions while you develop a healthier lifestyle.
Outpatient programs allow you to schedule counseling sessions around your daily activities. You can still go to work or school and spend time with loved ones while you undergo treatment.
Now that you have an overview of Aetna coverage, let’s see how it extends to specific alcohol and drug rehab programs.
Does Aetna Cover Alcohol Rehab?
Aetna covers alcohol rehab as part of its goal to provide affordable healthcare to struggling patients. Check with your Aetna representative to determine which treatments are available for your diagnosis.
In the meantime, here is an overview of the exact rehab programs Aetna usually covers.
Coverage for Alcohol Detox and Rehab Programs
Aetna provides coverage for various treatments for alcohol recovery.
You can use your Aetna insurance to pay for medical detox. Undergoing detoxification is essential for getting your body rid of toxins from alcohol use. Doctors monitor your withdrawal symptoms and may prescribe medication to ease the discomfort during detoxification.
Then, Aetna extends coverage to both inpatient and outpatient alcohol rehab programs. Aetna manages partial hospitalization programs (PHP) and intensive outpatient programs (IOP) costs for patients needing step-down treatment.
Lastly, Aetna guarantees continuous support with therapy sessions for individuals and their families experiencing recovery. Your loved ones can assist you in managing addiction while receiving support themselves.
Does Aetna Cover Drug Rehab?
Aetna also covers drug rehab treatments, as it is committed to providing easier access to healthcare. The details of your Aetna insurance plan should list which treatment options require additional authorization or extra costs.
Let’s talk about the drug rehab services under Aetna in more detail.
Drug Detox and Rehabilitation Services
Your doctor will recommend inpatient or outpatient drug detox, depending on the intensity of your addiction. Aetna covers both.
An inpatient detox is suitable for people who experience more severe addiction issues and withdrawal symptoms. Outpatient detox is for patients with milder symptoms who are expected to manage cravings more easily.
Medication-Assisted Treatments (MAT)
Medication-assisted treatment (MAT) combines medication with therapy and counseling to treat addiction. It aims to ease withdrawal symptoms and restore brain chemistry that was imbalanced by drug use. MAT positively affects your mental health, which improves your recovery changes.
The most commonly used medications in MAT are methadone, naltrexone, and buprenorphine. They help prevent relapsing and overdosing on drugs. MAT is quite successful in assisting patients in making positive changes in recovery and improving overall health.
Choosing the right treatment to achieve sobriety is quite a challenge. But remember, you can always ask for help at any step during your research or decision-making.
In-Network vs. Out-of-Network Coverage by Aetna
The main difference between Aetna’s in-network and out-of-network coverage is its scope. In-network providers have an agreement with Aetna to provide discounted services to patients. On the other hand, out-of-network providers require them to pay for rehab services out of pocket.
How to Maximize Aetna Rehab Benefits
You should research Aetna health insurance to maximize its benefits and reduce out-of-pocket costs. This will help you decide on a custom treatment plan that does not negatively impact your budget.
Ensure you get the most out of your Aetna insurance in several ways.
Verify Coverage
Follow these steps for verifying coverage provided by Aetna:
- Review your policy: Read the Aetna policy handbook for your chosen insurance plan.
- Check the portal: The Aetna Members Portal includes a summary of your coverage.
- Read through FAQs: If you are still struggling to find the answer, check the frequently asked questions on the Aetna webpage.
Contact The Ridge Ohio
Some people prefer to contact The Ridge directly to learn about their coverage. You can do so by calling our compassionate admissions team at 513-657-2773.
Understand Policy Details
You should familiarize yourself with key terms frequently mentioned in insurance policies. They include:
- Deductibles: The out-of-pocket amount before your insurance starts is not eligible for reimbursement.
- Co-pays: The fixed amount you pay for rehab services after you meet the deductible.
- Co-insurance: The percentage of the treatment cost you must pay after meeting the deductible.
- Coverage limits: The limits on the number or duration of treatment sessions.
- Out-of-pocket maximum: The maximum amount you will pay per year of coverage.
- Individual vs. family coverage: The differences in coverage for your family members.
Key Takeaways
- If you have Aetna health insurance, your rehabilitation services might be covered by your plan.
- The Ridge Ohio can assist you in finding a facility for receiving therapy suitable for your condition.
- Do your research and contact The Ridge Ohio to learn more information about utilizing insurance benefits.
Frequently Asked Questions
Does Aetna cover luxury rehab facilities?
Yes, Aetna covers luxury rehab facilities. However, some facilities are out of the provider network. This means that you must pay out of pocket when obtaining care. Check your Aetna insurance policy to confirm whether the rehab facility you’re considering is covered.
How do I confirm if The Ridge Ohio is in-network with Aetna?
You can confirm whether The Ridge Ohio is in-network with Aetna by contacting The Ridge Ohio.
Is therapy included in Aetna’s addiction treatment plans?
Yes, therapy is included in Aetna’s addiction treatment plans. It covers the costs of individual counseling, group therapy, and family therapy. Before scheduling a session, an Aetna representative will tell you if your insurance plan requires pre-authorization.
Does Aetna cover extended-stay rehab programs?
Yes, Aetna covers extended-stay rehab programs, such as 30, 60, and 90-day stays.
