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Aetna Insurance Coverage for Drug and Alcohol Rehab

Learn more about Aetna drug & alcohol rehab coverage.

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Aetna insurance covers many addiction treatment services.

Rolling Hills Recovery Center accepts a variety of Aetna insurance coverage.

Paying for Treatment

Drug Rehab That Accepts Aetna Insurance

Aetna is one of the most popular health insurance providers in the United States. If you have Aetna insurance, you may wonder if it covers addiction treatment. The good news is that Aetna does cover addiction treatment, but there are a few things to keep in mind. 

This post will discuss how Aetna’s health insurance can cover addiction treatment expenses. We will also provide tips for getting the most out of your coverage. So, read on if you want information about using Aetna health insurance to cover addiction treatment!

Table of Contents

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Understanding Insurance

What Is Aetna Insurance?

Aetna health insurance is a type of health insurance that covers both mental health and addiction treatment. Aetna health insurance has an excellent Medicare Advantage insurance plan.

It is an insurance plan provided by Medicare and is a type of supplemental health insurance available to seniors. 

It is an excellent choice for elders who have Medicare Part A and Part B. The coverage for Aetna health insurance is provided by Medicare, which means the insurance plan will be free of any deductibles or copayments. The Aetna health insurance plan will also be free of any coinsurance.

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Knowing Your Options

Does Aetna Insurance Cover Addiction Treatment?

Aetna health insurance covers addiction treatment. It will cover all the inpatient and outpatient treatment and medication costs. Aetna health insurance will be similar to the coverage for Medicare Advantage insurance.

You can use your Aetna health insurance to pay for the treatment you need, and you will not be charged for any deductibles or copayments.

Did You Know Rolling Hills Recovery Center Accepts Aetna Insurance?

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Getting Insurance

How Can Someone Get Aetna Health Insurance?

If you have an addiction, you may wonder how to get Aetna health insurance. You can get this type of insurance through an insurance agent or broker. They can help you with the paperwork and claims you need to make. They can assist you in finding the right insurance plan for your addiction treatment.

Aetna health insurance is a good option for seniors struggling with addiction. It will help them to get the treatment that they need. It will also help them to stay away from expensive rehab centers.

Contact an insurance agent or broker if you have questions about Aetna health insurance. They can help you find the best insurance plan for your addiction treatment.

What To Know About Your Aetna Insurance

Our Admissions Experts Will Help You Navigate This Difficult Information.
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Co-Insurance

Typically, co-insurance percentage range from 20% to 40%, and the insurance company clears the rest.

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Deductibles

The amount you pay out-of-pocket for treatment before the health plan starts helping with payments.

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Copayment

Co-pay is a fixed amount you must clear (usually when you receive treatment) for covered treatment services.

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What Will Aetna Cover?

Does Aetna Pay for Addiction Treatment?

There are certain costs for drug addiction treatment that Aetna will reimburse. Depending on your Aetna insurance, you may or may not be covered for drug and alcohol addiction treatment. The Affordable Care Act mandates that all health insurance policies, including Aetna, must pay for a portion of the cost of addiction treatment. 

Addiction rehab centers may help you to better your path to redemption if you reach out to Aetna, which provides members with assistance around the clock and can assist you in finding a program fast. 

Aetna’s support team may be reached by dialing the phone reference number of your claim form. Care Advocates are people who are assigned to you by Aetna to assist you with any issues or queries you may have concerning therapy for drug use disorders.

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What Will Aetna Cover?

Types of Addiction Treatment Aetna Covers

A variety of treatment options for drug use disorders (substance abuse) may be covered by Aetna insurance, such as:

  • Residential rehabilitation.

  • Intensive outpatient treatment.

  • Inpatient rehabilitation.

  • Detoxification.

  • Partial hospitalization.

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Plans Available

Aetna Addiction Treatment Plans

Two types of Aetna policies are available.

Preferred Provider Organizations (PPO)

Aetna’s preferred provider organization (PPO) is one of the most common Aetna health insurance plans. You can buy this type of health insurance directly from Aetna. You will be able to use your Aetna health insurance to cover the treatment that you need.

Health Maintenance Organizations (HMO)

You can use Aetna insurance to pay for the same range of addiction treatment programs as the preferred provider organization. You will have to pay the deductible and be responsible for the copayments. You will also be responsible for the coinsurance.

Members should select the Aetna insurance policy which best meets their financial needs. It is up to you and your family’s medical requirements and frequency of use to determine which option is best for you.

Aetna Silver Plans

Silver packages have higher monthly payments, better coverage, and lower costs than bronze policies. These policies are perfect for you if you often go to the physician. All healthcare costs are covered by Aetna when the limit is reached.

Aetna Gold Plans

In terms of cost per month, gold plans are the most expensive. People who need to see a specialist and take prescription medicine may choose a gold health insurance plan. Aetna pays 90% of all medical costs after this plan reaches the baseline.

Aetna Bronze Plans

Affordable copays are available with Bronze plans; nevertheless, greater deductibles and more money need to be paid out of cash. People who seldom visit the doctor and want to keep their monthly costs low can consider these plans. Aetna bronze plans pay around 70% of healthcare expenditure when the insurance pays.

The CDC reports that the total cost of drug abuse in the United States in 2010 was $193 billion. This includes expenses related to healthcare, incarceration, and lost productivity.

Aetna health insurance is a way to help people to stay away from expensive addiction treatment centers and expensive rehab centers.

Aetna Coverage for Inpatient and Outpatient

Aetna Coverage for Inpatient Treatment

According to your region and Aetna insurance coverage, the expenses connected with inpatient treatment facilities may differ. You may be eligible for a zero percent copay for in-network inpatient care under select Aetna plans.

Other plans may mandate a copayment for each admittance to specific services. Out-of-network suppliers’ coverage varies by area and program type regarding out-of-pocket expenses. Outside the plan’s network, you may be responsible for 30 to 50 percent of the cost of care.

Before enrolling in an out-of-network program, you may be required to submit a pre-certification form. Speak to your insurance provider to determine what kind of therapy is covered.

Aetna Coverage for Outpatient Treatment

Everyone’s experience with Aetna’s intensive outpatient program insurance is unique. The following is a breakdown of the various expenses connected with rehabilitation services. Specific Aetna plans may not cover outpatient services, and the copay may be predetermined. 

One of the most popular options is a flat cost for each appointment. The area and the kind of insurance plan are the most critical criteria in determining participation or copayments.

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Conclusion

Mental health and addiction are two areas long neglected in the United States. Only about 43 percent of people with mental illness receive treatment each year. This number is even lower for those suffering from addiction, with only about 10 percent receiving treatment. Aetna’s decision to cover mental health and addiction treatment is vital in changing this trend.

Written By:

Geoffrey Andaria mental health writer at rolling hills recovery center
Rolling Hills Recovery Center

Mental Health Writer

About Author:

Geoffrey Andaria is an experienced mental health content writer and editor. With a B.A. in English and Journalism, Geoffrey is highly educated in freelance articles and research. Having taken courses on social work, Geoffrey is adamant about providing valuable and educational information to individuals affected by mental health and the disease of addiction.

Medically Reviewed By:

Carl Williams, medical content reviewer at rolling hills recovery center
Rolling Hills Recovery Center

Expert Contributor

About Reviewer:

Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.

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