Aetna Insurance Coverage for Drug and Alcohol Addiction Treatment

The financial burden of addiction treatment can be overwhelming. People suffering from drug or alcohol addiction often find it challenging to pay for the cost of rehabilitation. However, many payment options, such as Aetna Health Insurance drug rehab coverage, can help lessen the expense.

According to the Centers for Disease Control and Prevention (CDC), substance use disorders are a significant problem in the United States. The long-term negative consequences of drug abuse include brain and behavioral changes that lead to chronic diseases, social issues, and work or education-related difficulties.

The Affordable Care Act (ACA) mandates marketplace insurers and private insurance companies to offer coverage for essential health benefits. But it is important to talk with our Intake Coordination team about your plan to determine the amount of alcohol and drug rehab coverage you have.

Aetna offers ample coverage for SUD treatment and therapy. Keep reading to learn more about addiction treatment coverage with Aetna Insurance at Exclusive Hawaii Rehab!

Experience True Healing

Our deeply-caring staff and the surrounding natural beauty offer an unparalleled healing experience.

Aetna Insurance Addiction Treatment

Founded in 1853, Aetna is an insurance company that is active across the nation. Its network includes multiple healthcare professionals, primary care doctors, medical specialists, and healthcare facilities.

Aetna offers marketplace insurance plans that cover part or all the costs of addiction rehab programs. If you have Aetna health insurance and need treatment at a drug and alcohol rehab facility, our exclusive Hawaii rehab center is here to help.

Affordable Care Act regulations state that insurance companies should pay for addiction treatment services. Behavioral health services such as psychotherapy, counseling, and inpatient mental health and drug abuse treatment should be included in all health insurance plans according to the ACA.

The state you live in, the type of health insurance you have, the length of time you need to be in treatment, and whether or not you go to a facility that is part of your insurance provider’s network can affect how much policyholders will have to spend as out-of-pocket costs for addiction treatment.

Understanding Aetna Insurance

Aetna Health Insurance Drug Rehab - Aetna Insurance Copay

While familiarizing yourself with the specifics of your Aetna rehabilitation coverage is crucial, it can also help to have an essential awareness of some standard insurance terms, like:

  • Coinsurance or Copay: This is the amount you must pay for healthcare services after Aetna rehab coverage commences. If your policy’s coinsurance rate is 30%, Aetna will expect you to pay 30% of all covered costs.
  • Deductible: The total amount you are responsible for paying annually before your health insurance begins to pay for any of your medical costs.
  • Out-of-Pocket Maximum: This is the maximum out-of-pocket expense you’ll have to pay before Aetna begins paying for all of your healthcare expenses related to your rehabilitation.
  • Aetna Insurance Premium: The premium is the regular payment made to the insurance company for the policy coverage.

Aetna Insurance Covers Various SUDs and Mental Health Conditions

To support those with mental health and substance abuse problems, the government mandates that all insurance providers offer coverage for SUDs. Although policies vary, Aetna usually pays for substance use disorders like:

Does Aetna Cover Mental Health Care?

Mental Health Care

Aetna also provides coverage for mental health care. To improve the chances of long-term sobriety, it is essential to treat co-occurring mental health disorders and addiction through a structured dual-diagnosis treatment plan.

Aetna often covers therapies like cognitive behavioral therapy (CBT), eye movement desensitization and reprocessing (EMDR), and biofeedback therapy.

Confirming Aetna Drug Rehab Coverage for Substance Abuse Treatment

Before choosing a rehab treatment center, you should check your Aetna policy benefits to determine how much of the cost the insurance company will cover and how much you will be responsible for paying out of pocket.

You can contact our customer care team if you have any queries about the services offered by your policy.

Knowing how your Aetna insurance plan works might ease your mind throughout your time in alcohol or drug rehab. It would be best if you did not worry about finances while concentrating on getting well and staying well.

The cost of rehabilitation following a long struggle with substance abuse varies widely from one person to the next. You can expect different outcomes depending on where you go, what program you join, and what services you receive.

Before choosing a rehabilitation center, you should check your Aetna policy benefits to see how much of the total cost will be covered by insurance and how much will be your responsibility.

Our admissions team can help verify insurance benefits for you. To discuss your insurance coverage, please call one of our admissions navigators.

Experience True Healing

Our deeply-caring staff and the surrounding natural beauty offer an unparalleled healing experience.

Aetna Health Insurance Plans

The amount that insurance will cover depends on your specific Aetna medical insurance plan. Aetna offers a wide range of plans, such as:

  • Health maintenance organization (HMO) plans: These plans have low monthly premiums and deductibles. You often have to pay a copayment when you receive treatment from doctors, hospitals, or specialists.
  •  Point of service (POS) plans: You must choose a primary care physician (PCP) who will then refer you to specialists as needed.
  • Exclusive provider organization (EPO) plans: These plans have a considerably more extensive network than other options but only pay for the care provided by in-network providers.
  • Preferred provider organization (PPO) plans: For either in-network or out-of-network care, select provider organization plans do not necessitate a recommendation from primary care physician visits. PPO plans are popular because of their low copayments but high premiums.
  • High-deductible health plans: Higher deductibles and lower monthly premiums are standard with high-deductible health plans. A healthcare savings account is frequently included to help with out-of-pocket costs.

Aetna supplements healthcare costs, including those for drug and alcohol treatment, through government insurance programs like Medicare and Medicaid.

The Medicare Advantage plans offered by Aetna are meant to supplement traditional Medicare by providing members with a broader range of coverage and, in many circumstances, lower out-of-pocket expenses.

Treatment for substance abuse is covered under Medicare Advantage plans, which can be either an HMO, POS, or PPO plan.

Aetna policyholders can get the most out of their benefits by getting therapy at a center in the insurance company’s network. Even if you go to a center that is part of your insurance network, you may still have to pay some of the cost of your addiction treatment out of pocket.

Going to an out-of-network facility for drug or alcohol treatment may also require you to pay out of pocket for the total cost of your care. If you need financial assistance, find out if the rehabilitation center offers payment plans.

How Long Does Aetna Insurance Cover Drug Rehab?

Aetna Insurance Cover Drug Rehab

Depending on the plan and the type of services provided, Aetna may pay for rehabilitation for varying amounts of time. In Aetna’s policies, you can choose from various levels of coverage. Monthly rates, deductibles, and included services vary per tier, and a wide range of drug rehabilitation programs exist.

The Aetna insurance drug rehabilitation program is personalized to each patient. A longer duration of treatment is more beneficial for chronic and long-term addictions. Long-term treatment participants in therapy for 90 days or more have a higher chance of achieving and maintaining sobriety.

We can help verify your Aetna insurance plan coverage.

Alternative Payment Options if Your Policy Doesn’t Cover the Total Rehab Expenses

Drug and alcohol addiction treatment can be costly. Don’t let the possibility that Aetna won’t cover all your addiction rehab costs stop you from getting help. You have access to various payment options other than health insurance providers when choosing to enter rehab.

It is essential to remember that there are other options available choices if you are having problems raising the money for rehab services. They include:

  1. Payment plans that allow you to pay for rehab in affordable monthly amounts.
  2. You may be eligible for a reduced rate for rehabilitation services based on a sliding scale that considers factors such as your household income.
  3. The Substance Abuse and Mental Health Services Administration (SAMHSA) and private treatment centers offer grants and scholarships to help cover the cost of rehab care.
  4. The Healthcare Marketplace where individuals may compare and shop for affordable private health insurance plans
  5. Healthcare credit cards and healthcare loans help cover the costs of medical care.
  6. Make use of your health savings account HSA or credit card.

It would be best to research before deciding on a treatment to stay within your budget. Get in touch with our admissions staff if you need help finding funding for drug and alcohol treatment beyond what is provided by Aetna.

Finding the right addiction treatment for you can be difficult, but we’re here to assist. Don’t hesitate to contact one of our admissions navigators if you are worried about a loved one or are ready to start the road to recovery.

Effective Aetna Substance Abuse Treatment

Aetna Substance Abuse Treatment

Drug addiction is a chronic illness that requires comprehensive treatment plans. Aetna will cover part or all of your drug rehab treatment based on your specific plan.

Aetna’s guidelines for treating substance abuse are based on the same evidence-based techniques used to diagnose alcoholism and other addictions by the American Society of Addiction Medicine.

The following are some questions you can expect to be asked during your initial consultation with an addiction specialist. These questions will help the specialist identify the level of therapy you may be eligible for under your insurance plan.

  • How long have you been abusing the drug?
  • How long has it been since you last got drunk or high?
  • Do you have a history of treatment?
  • Do you want to find a way to maintain your sobriety or recovery?

Below are some of the most common drug rehab services according to the National Institute on Drug Abuse (NIDA):

Medical Detoxification

Medically supervised detoxification from alcohol or drugs is usually the first step in a comprehensive addiction treatment program. During detox at Exclusive Hawaii Rehab, you’ll be closely monitored by doctors around the clock. Addiction specialists may prescribe medications to ease withdrawal symptoms and keep you safe.

Inpatient Treatment

Inpatient care requires clients to live in a drug rehab facility during treatment. Residential or inpatient substance abuse treatment centers offer group and individual therapy.

This treatment plan is great for many people who have tried other treatment approaches without success, live in environments that aren’t supportive of their sobriety and have dual-diagnosis or co-occurring mental health disorders.

Partial Hospitalization Programs (PHP)

Clients can maintain their current living arrangements while participating in PHP treatment plans. These intensive programs are sometimes referred to as “day treatment.”

Intensive Outpatient Programs (IOP)

These outpatient programs require clients to attend therapy at least three times per week. Participants in such programs can keep their current living arrangements and work schedules.

Outpatient Rehab Treatment Programs

Outpatient Rehab Treatment Program

You can see a doctor or therapist during the day, attend a group session or a recovery meeting, and then return home for the night if you’re receiving treatment from an outpatient facility. This setting allows patients to focus on their recovery without sacrificing home, school, or work responsibilities.

When choosing a substance abuse treatment plan, weighing all your options is essential.

Continuous Care

Aftercare services are a priority for Aetna’s Continuing Care initiatives.

Aetna often organizes social gatherings to mark a special occasion or a successful recovery. People recovering from drug and alcohol addiction alcoholics and who have completed treatment programs come together for social and emotional support.

Aftercare programs are extremely beneficial because they keep individuals engaged in their communities by supplying them with consistent tools and inspiration. Some standard aftercare programs include support groups like Alcoholics Anonymous and Narcotics Anonymous.

Experience True Healing

Our deeply-caring staff and the surrounding natural beauty offer an unparalleled healing experience.

What are the Benefits of Exclusive Hawaii Rehab?

While many people need drug addiction treatment in the United States, it may be challenging to locate a suitable program. There are many rehab centers in the nation, and you might find one that’s not too far from your residence. However, every establishment is different.

The types of addictions they address, the types of care they provide, and the types of housing they offer vary widely amongst facilities. Most people who need rehabilitation get treatment in serene and beautiful Hawaii. This is because of multiple benefits like:

Your Environment Influences Addiction Recovery

How you feel in your surroundings might have a significant positive or harmful effect on your recovery.

For example, staying close to home may put you near people, places, and things your brain links to drug abuse. But Hawaii’s beautiful landscapes and beaches will ease your worries.

Drug rehab in Hawaii offers a much-needed escape from the stresses of daily life.

A Wide Range of Drug Addiction Therapies

A Wide Range of Drug Addiction Therapies

Various rehab centers use different approaches. So, evaluate each alternative and pick the one that works best for you and your goals. Hawaii drug rehabilitation programs provide a comprehensive and holistic approach to healing.

Stay Anonymous

Since Hawaii is a distant island and isolated, patients can maintain their privacy while receiving therapy there. Many people travel out of state for treatment to get away from critics and scrutiny back home.

Adverse reactions to your efforts to become sober closer to your home or even your home state could discourage you from seeking treatment. Hawaii provides a place to rest and recuperate from prying eyes because of its distance from your usual port of call.

Call us today at (808) 725-2065 or through our online contact form for professional medical advice on Aetna addiction treatment plans at Exclusive Hawaii Rehab.