See if your insurance covers substance abuse treatment.
Having a substance abuse problem is incredibly difficult and will have an impact on every aspect of a person’s life, as well as the community as a whole. Now recognized as a mental health disorder, treatment for addiction is available and usually covered to some extent by insurance providers including Aetna. Finding out exactly what you are covered for can be quite overwhelming and stressful.
Overview About Aetna
Aetna was founded in 1850, making it one of the oldest insurance companies in the country. Originally offering only life insurance policies, they have grown to also offer other types of insurance. Today, some 40 million Americans have insurance policies through them. The benefits they offer can cover issues such as substance abuse rehabilitation, but also emergency medical services, preventive health care, vision services and dental services.
Does Aetna Cover Rehab?
Aetna insurance offers a range of different plans. Most of these cover substance abuse and alcohol rehab, therapeutic services, and detox. The insurance company offers various plans, each with their own specifications in terms of what is covered. This is why it is very important that you check your policy or ask a member of staff at your chosen rehab facility to do it for you so that you know exactly what your personal out of pocket expenses will be.
Many of the insurance policies that Aetna offers also cover alcohol and drug rehab services. If you have a plan through Aetna and they manage it, you have the opportunity to start on the road to recovery. Substance abuse issues can be addressed, and you do not have to sink yourself into unmanageable debt to access it.
With the presence of these policies, those who are addicted to alcohol, prescription drugs, or illicit drugs will have realized that there is now help out there for them. With the right support and care, they can completely rehabilitate and regain control over their lives. Without these policies, only a few people in this country may get the treatment that they so desperately need because of the costs involved with substance abuse rehabilitation. Those who are insured with Aetna may find that there is a significant provision for the cost of drug rehabilitation.
This includes outpatient counseling, individual therapy, inpatient rehab treatment, hospital-based drug and alcohol rehab treatment, medically supervised detox and more. Thanks to this, Aetna patients can obtain the treatment that they need without being overly burdened by the cost.
In order to make sure that you receive the substance abuse treatment that is specific to your needs and that this is covered by your Aetna insurance, you need to speak to the insurance provider about your policy.
You could also speak to the substance abuse rehab center you are considering and ask them to perform a check for you. This is free and confidential and will help you ensure you truly can gain a productive, healthy and meaningful life at a price that you can afford.
Aetna insurance has set itself the goal to make sure that individuals and the people they care about are able to maintain a happy and healthy life. If you or a loved one are struggling with addiction call: (866) 578-7471.
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Coverage for Behavioral Health Rehab
Aetna’s health insurance provision includes behavioral health. The company aims to ensure that medical and behavioral health treatment is offered in an integrated way with a focus on both prevention and early identification. They also cover any services that are deemed necessary. Aetna representatives work tirelessly to make sure that you can get the help that you need in order to become healthy. Some of the tools at your disposal include:
- The ability to identify disorders as early as possible and receiving treatment before they escalate
- The ability to create a health management plan suitable to your individual needs
- The ability to access integrated care in behavioral and medical health services
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Extensive Rehab Treatment Authorization
You will not be required to seek pre-certification or authorization to receive outpatient behavioral health care, including addiction and substance abuse treatment. You only need to visit a primary physician who will refer you to a center. However, if you require more extensive services, then you will need to seek authorization.
If you hope to access any of the following services through your Aetna plan, you will be required to seek authorization and precertification:
- Neuropsychological testing and evaluation
- Psychological testing and evaluation
- Outpatient electroconvulsive therapy
- Amytal interview
- Intensive outpatient programs
- Outpatient detox
- Psychiatric home care
- Inpatient treatment services
- Partial hospitalization programs
- Admission to residential treatment centers
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Specific Aetna Rehab Policies
Not every program offered by Aetna includes substance abuse treatment. Only very few programs will cover you for intensive services above and beyond outpatient care. You will be able to find coverage with authorization and pre-certification if you have any of the following policies that Aetna offers:
- Aetna Choice POS
- Aetna Golden Choice
- Aetna Golden Medicare Plan
- Aetna Choice POS II
- Aetna HealthFund
- Aetna Open Access
- Elect Choice HMO
- Elect Choice
- Aetna Open Access Managed Choice
- Aetna Open Access HMO
- Managed Choice
- Quality Point of Service
- Open Choice
Some of the self-funded plans that Aetna offers have specific requirements for precertification, which you should have been informed of when you purchased your policy. Some plans are not owned by Aetna, although they do administer them, while there are others that will need you to seek pre-authorization for an outpatient service, as well as for all other possible services.
Aetna can be contacted 24/7, 365 days per year so that you would be able to get the answers you need in terms of what you are covered for. If you aren’t sure, you can contact them and they will give you all the answers you need. This service is 100 percent confidential, free with zero obligation. Your member ID card will list the telephone number for your Aetna representative. By calling (866) 578-7471 you can determine what your insurance plan covers to decide on how you will proceed with your rehabilitation.