With Banyan rehab locations across the nation, we recognize the challenges individuals face when searching for addiction treatment. Below is a guide on Aetna rehab coverage that includes policy information, covered services, addiction facilities that accept Aetna, and how to verify your rehab coverage. Discover the specifics of Aetna alcohol rehab coverage and take the first steps towards a healthier, substance-free life.
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What Is Aetna Insurance?
Aetna is a health insurance company that provides a range of health care products and services, including medical, pharmaceutical, dental, behavioral health, and vision plans. It offers coverage for individuals, employers, and government-sponsored plans. Aetna is one of the major health insurance providers in the United States. It was acquired by CVS Health in 2018. Together, they form a comprehensive healthcare company providing a wide array of services to consumers.
Health insurance plans offered by Aetna include for individuals, families, and employers. These plans typically cover medical expenses, including doctor visits, hospital stays, prescription medications, preventive care, and other healthcare services. Aetna may also provide coverage for mental health services, including addiction treatment and rehabilitation. It is important to note that the specific details of coverage can vary based on the individual's insurance plan, so it's recommended to review the terms and conditions of the policy or contact Aetna directly for accurate and personalized information about their insurance offerings.
Aetna Drug Rehab Coverage
Yes, an Aetna health insurance plan will typically cover at least a portion of addiction treatment. Based on your Aetna plan, your treatment may be covered in full or in part. Aetna was established in 1853 and is currently operational in all 50 states. Its network covers 1.2 million healthcare workers, nearly 700,000 primary care physicians, over 5,700 hospitals, and specialists.
Over 46 million people are enrolled in the company's various health plans, which include dental, vision, and health insurance. The Affordable Care Act (ACA) mandates that nearly all health plans in the US, including Aetna, cover 10 specific medical services. These are known as essential health benefits. Mental and behavioral health care is one of the 10 essential health benefits (EHBs) that most health plans are required to provide to some degree.
Your Aetna rehab plan must specifically cover treatment for SUDs, behavioral health services, and inpatient mental and behavioral health services that are medically necessary in some capacity. It's crucial to remember that, even with this requirement, the type of plan you choose will determine how much coverage you receive. For instance, your plan might only pay for a portion of the expenses related to receiving rehab treatment at specific institutions. Before committing to treatment, it's crucial to contact your Aetna provider to learn about the costs and coverage.
You can also call addiction treatment centers directly and ask whether they accept your Aetna plan. This is particularly true if the center is a Banyan Treatment Centers facility, as staff is trained to help answer any of your questions, including insurance-related topics.
Aetna Plan Types That Cover Rehab
Aetna provides high-deductible plans, copay-only plans, and open-access plans:
- Open-access plans allow you to select the doctors you see. Both a referral and a primary care physician are not necessary for them.
- Copay-only plans ensure that the only expenses you incur after meeting your deductible are copays; primary care visits and generic medications are covered before reaching your deductible.
- High-deductible plans provide preventative care services before the deductible is met, the option of a health savings account, and occasionally coverage through a primary care physician before the deductible is met (with a copay). You can access the specifics of your plan by logging into the member website.
What Types of Addiction Does Aetna Cover?
If you have Aetna health insurance, you may qualify for the following Aetna addiction treatment programs:
- Medical detox.
- Inpatient/residential rehabilitation.
- Partial hospital treatment.
- Intensive outpatient treatment.
- Continuing care programs (“alumni” programs).
Verify your rehab insurance coverage or contact Aetna to confirm your level of coverage, if any, for out-of-network providers.
How to Verify Aetna Addiction Treatment Coverage
Aetna Health Insurance offers numerous insurance plans, each with varying levels of coverage. Your plan may cover the cost of your addiction treatment. With locations across the nation, Banyan Treatment Centers provides various levels of care.
