Aetna Rehab Facility
A great amount of rehab facilities work with Aetna, ours included, but what exactly is covered and how much they’ll pay is directly informed by your individual plan as well as which state you live in. We can assist you in finding out what you’re entitled to under your plan.
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Does Aetna Cover Drug Rehab?
The journey of recovery from addiction is both a lifelong one and one that doesn’t have to be undertaken alone. You give yourself or a loved one a much greater chance at success when you’re equipped with the right tools from the get-go.
Falling into an addiction, or slipping being the more appropriate word, can seem frictionless as it’s happening (of course, that’s not the case in hindsight) when compared to the process of pulling yourself out of it. Between the withdrawal that accompanies detox and the therapy that defines inpatient or outpatient care to untangle and uncover the root causes of substance abuse, there is a lot that goes into building a lasting sobriety.
Many hands make light work and in the case of taking your life back from the clutches of addiction, one of those helping hands comes in the form of health insurance.
Committing to treatment for substance abuse is just the first step on your path and it’s the beginning of forming the team that will define the rest of the way and a big role player on that team is your insurance company, Aetna.
Finding the right drug and alcohol rehab center for you, one that fits with your needs and feels right, is fantastic and you very much don’t need the added stress of having that derailed by insurance issues.
We understand the overwhelming nature of wading through the flood of information related to policies and what’s covered, especially at a time that already feels so utterly chaotic and messy, but the good news is that if you use Aetna insurance, there’s an excellent chance a portion of your costs associated with treatment will be covered. Because, after all, treatment or substance abuse disorders is considered an essential benefit now.
Aetna has been at this for a long while having been founded in 1853. And as one of the nation’s largest insurers, now a subsidiary of CVS Health Corporation, 39 million people rely on Aetna’s services and assistance in making the best decisions about their health care and spending. Over 22 million of those people being medical members.
Plans cover medical, pharmacy and dental as well as Medicare, Medicaid and medical management. Importantly, they also cover the behavioral health programs under which drug rehab would fall.
With a network of roughly 1.2 million health care professionals, north of 700,000 primary care doctors and specialists and over 5,700 hospitals spanning the country, they are well equipped to be there in your time of need.
If you’re not 100% of what your plan covers, don’t hesitate to reach out to our admissions team here at Thrive Treatment and we’d be more than happy to help you find out exactly what your plan covers in regard to addiction treatment services.
How Long Does Aetna Pay for Rehab?
Treatment for addiction doesn’t work on a fixed timeline.
Decisions made regarding the length of coverage are predicated and based on the severity of your addiction and what it takes to make sure you’re in the best condition possible at the conclusion of your treatment. The personalized rehab programs we create based on understanding your needs can last 4 weeks or they can stretch out to many months, Aetna takes that into account when making a determination on the time horizon that they’ll pay for.
And if you’re approaching the end of your program but aren’t quite there yet in terms of being truly ready to re-enter the world, and your day-to-day life, confident in the sobriety you’ve been building, it doesn’t necessarily mean everything just stops.
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What Does Aetna Cover for Rehab?
A great amount of rehab facilities work with Aetna, ours included, but what exactly is covered and how much they’ll pay is directly informed by your individual plan as well as which state you live in. Again, we can assist you in finding out what you’re entitled to under your plan.
In general though, Aetna rehab insurance will cover some portion of:
- Residential inpatient rehab
- Partial hospitalization treatment
- Intensive outpatient rehab
- General outpatient care
- Aftercare and continuing care programs (sometimes referred to as “alumni programs”)
In addition to their coverage of various types of treatment programs, Aetna takes a proactive approach by utilizing the evidence-based practice of Screening, Brief Intervention and Referral to Treatment (SBIRT) to help identify, reduce and prevent problematic use, abuse and dependence on alcohol and drugs.
As per their website, SBIRT aims to prevent the unhealthy consequences of alcohol and drug use and can help those who:
- May not have reached the diagnostic level of substance abuse disorder, or
- Have the disease of addiction to enter and stay with treatment
This helps reduce:
- Health care costs
- The severity of drug and alcohol use
- Risk of trauma
- The percentage of at-risk patients who go without specialized substance abuse treatment
Ultimately, if a service is considered a medical necessity, health insurance will cover some part of it
Circling back to what it might cost you, your deductible and copays all depend on your particular Aetna plan. A Health Maintenance Organization (HMO) plan, for example, will have lower monthly premiums and deductibles as well as a fixed copay but you’re required to use in-network providers. A Preferred Provider Organization (PPO) plan, on the other hand, is more expensive on the monthly premium side but gives you much more freedom in seeing specialists and out-of-network doctors.
Aetna has a wide range of other options, including:
- Point of Service (POS)
- Exclusive Provider Organization (EPO)
- High Deductible Health Plan (HDHP)
- Health Savings Account (HAS)
They’ve put together an extremely helpful guide on each here.
We Work with Most Insurance
At Thrive Treatment℠ we accept most private insurance plans and we are in network with Cigna, MHN Health Net, First Health, and Anthem Blue Cross. Additional payment options are available so don’t hesitate to give us a call so we can get you the help that you need.
Thrive Treatment’s Rehab Takes Aetna
Insurance shouldn’t stand between you and the dedicated care you need for a substance abuse disorder and at Thrive Treatment you can be assured we take Aetna insurance. The key thing is to know exactly what your plan covers and you can find that information out by either calling the phone number on the back of your card or logging into your secure member website to get a summary of your benefits.
Additionally, please feel free to reach out to us here, we’re more than willing to help you and take some of the weight off your shoulders.