When it comes to substance abuse rehabilitation, one of the largest factors is often pricing. Do you accept my insurance? How much will it cost me? Without proper coverage, addiction treatment can often be an expensive investment – so much so that people are either unable to obtain proper treatment or are drowned in debt when they leave.
Finding an in-network facility is the easiest way to ensure you are receiving the best care possible with little-to-no out of pocket costs. Coalition Recovery is currently an in-network provider with Aetna for substance abuse treatment, but you can explore other options by either calling a representative or using their provider locator online and by verifying your insurance today.
Coalition Recovery is a modern approach to addiction treatment by utilizing evidence-based therapies including medication alongside counseling and therapy. Our facility offers the full continuum of care: from detox all the way through to outpatient care.
We Accept Aetna Insurances
By partnering with Aetna insurance, Coalition Recovery can now accept anyone with an Aetna Insurance policy – whether they are Out-of-Network or In-Network policies (HMO or PPO).
Aetna Insurance
Many insurance companies limit substance abuse treatment by setting a fixed limitation on the amount of treatment instead of taking a look at the individual as a whole. Recognizing there are no one-size-fits-all plans for alcohol and drug abuse, Aetna works with a person’s needs to find an addiction treatment strategy that works best for them.
Aetna Healthcare Addiction Resources
Aetna’s customer service center provides resources anytime, day or night. It offers a treatment finder with therapists and treatment options near you.
Aetna Policy Coverage for Substance Abuse
To identify what your individual plan covers– consisting of coinsurance, copays and deductibles– you may need to call your insurance provider.
With Aetna , individuals might be covered for the following drug abuse treatments:
- Detoxification
- Inpatient rehabilitation
- Residential rehabilitation
- Partial hospital treatment
- Intensive outpatient treatment
- Continuing care programs
Aetna uses open-access plans, copay only plans, and high-deductible plans.
Open-access plans allow you to pick your medical professionals; they do not need a referral, and they do not need a medical care physician. Copay-only plans may ensure that your expenses after paying your deductible are only copays, with medical care physician visits and generic drugs covered before you reach your deductible. High-deductible plans use preventative care services before the deductible is reached. To see your plan’s information, you can log into the member website.
Aetna provides numerous local plans supported by the national network of service providers to best support clients at the neighborhood level. At Coalition Recovery, our facilities frequently provide care for patients of Schaller Anderson Aetna Better Health networks of New York and Ohio.
Aetna Covering Drug & Alcohol Rehab
Learn more about your health protection through the Aetna member account. This online dashboard allows you to view your coverage information, make claims, search for service providers, and a lot more.
Simply visiting provides you access to a variety of resources for Aetna users. You can also go to the Find a Doctor portion of their site to look for providers. You can discover information on all kinds of providers there, including specialists and centers that deal with drug abuse and drug addiction.
Aetna also supplies patients with a virtual health assistant who can respond to basic health concerns, as well as questions about Aetna coverage. They also provide a mobile health app so you can handle your health information from wherever.
For behavioral and mental conditions, you are given access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care medical professionals. Oftentimes, psychological health problems can co-occur with drug abuse. Therefore, if you believe you may be struggling with both mental health and substance abuse, it is imperative that you find a dual-diagnosis facility. Dual diagnosis facilities like Coalition Recovery offer separate therapies and treatment for both disorders.
Addiction Treatment Length Aetna Will Cover
The length of treatment Aetna will cover will vary depending on the individual – not the plan. So, based on how fast a person progresses through the program will dictate how many days are covered. Therefore, Aetna will cover the amount of time necessary for an individual to fully recover in treatment. Oftentimes they will provide extensions or cover a higher level of care if an individual is not progressing naturally.
If you’re not ready to seek treatment due to the fact that you’re worried about what others might think, you’ll be glad that you have Aetna. Aetna uses members 24/7 assistance, and they can help you find a medical professional or rehab center quickly.
Anything said to your agent is kept private, and they will be discreet when it pertains to your needs and privacy. The insurance company’s plan requires a combination of personal treatment and 12-step programs to deal with prescription drug addiction, and the duration of your stay depends on your progress.
When you call your insurer, you may want to ask the agent some inquiries about your coverage. Some concerns include:
- Which programs in my location accept Aetna?
- Do you cover substance abuse evaluation?
- Do you cover detox services? The number of days?
- Do you cover inpatient rehab?
- How many days of rehab do you cover?
- Do you cover outpatient rehab
Do Treatment Centers Need to be In-Network?
Despite the fact that not all Aetna plans require service providers to be in-network, programs that are out-of-network might cost more. It’s also significant to note that programs not in Aetna’s network have actually not been screened for treatment that is consistent with present standards of practice. Aetna’s PPO (in-network) programs are all evaluated for quality care and adherence to modern methods.
Sometimes, pre-certification or permission of a treatment program will be required. Such cases might include:
- Inpatient admissions
- Outpatient detoxification
- Residential Treatment Center admissions
- Intensive Outpatient Programs
- Partial Hospitalization Programs
Pre-certification involves a review procedure to determine whether the requested service or program meets Aetna’s clinical criteria for coverage. Make certain to consult with your insurance service provider to see if your drug abuse treatment will need pre-certification before you start the program.
Aetna Coverage for Inpatient Treatment
Depending on your location and Aetna policy protection, the expenses associated with inpatient rehab programs may differ.
Aetna Coverage for Outpatient Treatment
Outpatient rehab protection through Aetna varies for everyone.
Costs of Treatment
For in-network PPO inpatient services, some Aetna plans have 0 percent coinsurance– insurance that kicks in as soon as you pay your full deductible. Other plans may require a copay per admission for different services.
In regards to out-of-network service providers, coverage differs 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 often need a pre-certification, otherwise there may be a penalty. Talk with your provider to identify the type of treatment your policy may cover.
How to Cover What Insurance Won’t.
You don’t need to utilize the insurance when you decide to explore rehab. There are numerous other ways to finance your treatment and get the aid you need. Some ways to pay for rehab consist of:.
- Payment plans: You pay off rehab in economical installations.
- Sliding scale: The treatment center decreases your cost to something you can reasonably afford– normally based upon your income level.
- Grants or scholarships: The Drug Abuse and Mental Health Services Administration (SAMHSA), as well as private rehabs, offer grants and scholarships to spend for people who can’t pay for treatment.
- Purchase budget-friendly insurance on the Healthcare Marketplace.
- Crowdfunding websites, such as GoFundMe or IndieGoGo.
Ensure to do extensive investigation when looking for rehab so that you can find one that meets your financial requirements.
