The first and most crucial step of your addiction recovery is to seek professional treatment. However, many worry that they won’t be able to afford treatment. Aetna drug rehab coverage is determined to help you find an addiction treatment solution that works for your unique needs.
“Aetna’s customer service center provides recovery resources anytime, day or night. It helps find treatment options and counselors nearby.”
Through their Continuing Care programs, Aetna hopes to offer ongoing support to addiction treatment and recovery. Like many other health insurance companies, Aetna is making evidence-based treatment for substance abuse part of everyone’s health care plan.
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Aetna Drug Rehab Coverage
Of course, each insurance plan is very different. To know precisely what your insurance coverage offers in terms of coinsurance, copays, and deductibles, you have to contact your provider. Overall, Aetna drug rehab coverage extends to these treatment options:
- Inpatient rehabilitation
- Residential rehab
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Aftercare recovery programs
Inpatient Treatment Coverage
Inpatient drug rehab coverage will vary according to your location and policy coverage. The final cost associated with inpatient rehab will vary. In some cases, they might cover recovery by 100%. Other times it might be 80%, leaving you to cover only 20%.
For many in-network inpatient rehab treatment centers, some Aetna plans offer 0 percent coinsurance. Others might require a copy per admission for various services.
If you’re choosing an out-of-network provider, some plans will require a 30 to 50 percent coinsurance cost. However, keep in mind out-of-network addiction centers often require pre-certification; otherwise, there could be a penalty.
Outpatient Treatment Coverage
When it comes to outpatient treatment, the coverage and cost vary tremendously. It all depends on the type of outpatient treatment plan you follow, what services are incorporated, the frequency of treatments, and so on.
For outpatient programs, many have the option of a fixed coinsurance percentage. In comparison, others will have a set copay per visit. You have to discuss with your insurance provider to determine the extent of your policy’s coverage and your best available options.
Workit Health for Aetna Members
Here’s one of the biggest differentiators when it comes to substance abuse coverage through insurance. Aetna’s Workit Health program gives you access to digital rehab through its network of addiction specialists. The program is meant to help you quit alcohol, opioids, mental health, or other behavioral health problems with online therapy opportunities.
Like traditional addiction treatment, Workit Health gives you the ultimate support from counselors and clinicians under Aetna’s coverage. Through telehealth consultations with an addiction clinician, you can start a medication-assisted treatment (MAT) to begin your addiction recovery journey.
As you progress through your treatment plan, you’ll have continuous access to Workit Coaching, which helps with addictive behaviors, substance abuse, and other behaviors like gambling. These are private and confidential online therapy sessions from a licensed counselor.
Of course, online addiction treatment isn’t for everyone. We believe that these services are excellent choices for a comprehensive aftercare recovery program. You should talk to an addiction specialist first to determine if this is the best option for you.
How to Verify Coverage
The first step to reap the benefits of your insurance plan is to verify coverage. Contact your insurance provider to help you find treatment facilities in your area that are in-network. Additionally, you can always reach out to our admissions office. Use our insurance verification form to find out if your insurance policy covers drug rehab.
More than that, you want to ask about what’s covered under your policy and for how long will these benefits extend. Sometimes people need to be in a rehab center for 30 days or 90 days. After all, addiction recovery is a long-term process. Some insurance companies will stop covering after a specific period. Our admission specialists can help you find out the length of your coverage.
How to Pay for Rehab If My Aetna Plan Doesn’t Cover It
Don’t let your insurance stop you from seeking substance abuse treatment. There’s no better time to seek treatment for drug abuse than today. After all, seeking help for your addiction will be the best investment you’ll ever make for yourself. Your path to recovery can still happen.
At Lighthouse Recovery Institute, we offer various payment plans to help you afford treatment. Other alternatives include seeking out a loan. You can also check if your company’s insurance provides employee assistance programs that could cover drug rehab. You’ll be surprised how many family members and friends are willing to help you pay for your treatment program.
Stop using money or your financial situation as an excuse for seeking drug or alcohol addiction treatment. If you or someone you know is struggling with substance abuse, contact us today to get started. We’ll look at your Aetna insurance policy and verify what’s covered. If you don’t have coverage through your insurance, we’ll work tirelessly to find other alternatives. Our priority is to help you find the help you need to get better.