Insurance is constantly changing, and it feels difficult to always have a grasp on what your insurance does and does not provide. Furthermore, when you are struggling with addiction, money should be the furthest thing from your mind. If you are here it most likely means you or a loved one is struggling with drug or alcohol addiction and wants to begin the recovery journey. We are glad you’re here. We at AKUA feel that finding the resources to cover your rehab treatment should be easy as you
begin this journey, so we have a team that will help you determine what your insurance covers. Here particularly, we are discussing Aetna insurance.
Many insurance policies set a predetermined limit on substance abuse treatment rather than looking at the individual as a whole. Recognizing there are no one-size-fits-all plans for drug and alcohol abuse, Aetna works with an individual’s needs to find an addiction treatment solution.
Aetna supports those who are looking to recover from a drug or alcohol addiction. Aetna works with an individual’s needs to find nearby treatment services. Aetna insurance policies have different options for Detox, Inpatient and Outpatient rehab, as well as other mental health services to help on your path to recovery. Depending on your individual Aetna insurance plan, your inpatient and outpatient rehab coverage will vary.
Aetna works with an individual’s needs to find nearby treatment for drug or alcohol addictions. Aetna insurance policies have different options for inpatient and outpatient rehab, as well as other services to help on your path to recovery.
• Drug rehabilitation
• Alcohol rehabilitation
• Detoxification
• Counseling for addiction treatment
• Mental Health Treatment
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.
To determine what your individual plan covers – including coinsurance, copays, and deductibles – you will need to contact your insurance provider. Additionally, you can click the button below to have a free & confidential conversation with a treatment provider to check your coverage.
With Aetna insurance, individuals may be covered for the following substance abuse treatments:
• Detoxification
• Inpatient rehabilitation
• Residential rehabilitation
• Partial hospital treatment
• Intensive outpatient treatment
• Continuing care programs
Mental illness affects millions of Americans, and is common among those with substance abuse issues. Insurance providers are legally required to cover mental health services. In many cases, mental health problems can co-occur with substance use, so it is important to address mental health concerns if you are seeking care for substance misuse and addiction.
Aetna typically covers individual therapy sessions for people with substance abuse issues and other mental health conditions. Aetna may cover therapy fully or partially depending upon the member’s plan.
Depending on your location and Aetna policy coverage, the costs associated with inpatient rehab programs may vary.
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.
Outpatient rehab coverage through Aetna is different for everyone. Various costs associated with rehab services are compiled below.
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.
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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.
Aetna’s in-network programs are all screened for quality care and adherence to modern principles.
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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Regardless of what your insurance provider will cover, there’s a wide range of alternative methods to help cover any expenses.
It’s important not to let costs of treatment deter you from getting help you need. Many alternative methods are available to help with addiction treatment expenses.
Akua Behavioral Health offers addiction treatment programs in a residential, community-based setting. Our clients stay in our home-like program, with 24-hour supervision to ensure their safety and comfort. Inpatient drug rehab gives clients the best chance at lasting recovery through highly-structured care for those struggling with drug, alcohol and/or their mental health.
Many clients stop experiencing withdrawal symptoms 3 to 7 days after starting our detox program. While the experience may vary due to various factors, Akua Behavioral Health is committed to providing our clients with safe and comfortable detox.
Akua Behavioral Health works with most major insurance plans to ensure quality addiction treatment is accessible for our clients.
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.
AKUA works closely with most HMO, EPO and PPO insurance plans including AmeriHealth, Humana, Allcare Health, Highmark, UPMC Health Plan, and are In-Network with Anthem Blue Cross, Aetna, Cigna, HealthNet, Blue Cross/Blue Shield, Magellen, HMC Health Works, Tricare, Western Health Advantage, Prime, Multi Plan, Triwest, and more.