Aetna, one of the largest health insurance providers in the United States, works diligently to meet each patient’s needs. This is especially critical regarding alcohol or drug addiction, specifically on the subject of rehab.
Rehab centers aren’t cheap, so it’s important to determine your coverage options and benefits before committing to a program.
Here’s a breakdown of how your Aetna plan may be able to fund a future rehab stay:
Is Rehab Covered by Aetna?
The short answer is yes. Aetna offers open-access and copay-only health insurance plans that can help patients pay for drug rehabilitation treatment. It’s just a matter of analyzing your specific coverage benefits to see whether your current plan will work.
Aetna is available in all 50 U.S. states and boasts over 46 million active members.
Addiction Treatment Coverage
Aetna takes patient confidentiality seriously, and they have representatives available to answer your questions 24/7.
If you choose to go the online route, you can login to your account anytime and start a chat with a knowledgeable representative. These virtual health assistants can answer general health questions as well as specific inquiries about your plan and access to rehabilitation.
What are some topics you should ask them about?
Do you cover detox services?
Not only should you know if they cover these services, but for how long. Detox can be a massive expense, averaging up to $1,000 per day out of pocket.
The detoxification process is one of the most critical steps along the path to recovery, so it’s important to know how it is offered and covered by your Aetna plan.
Do you have inpatient and/or outpatient rehab?
It’s good to learn about both options so you can plan accordingly. An inpatient rehab experience can be difficult to coordinate around your job but offers the intensive support some need.
Outpatient programs are a little more flexible, but still typically require 10 hours per week of visitation to a nearby treatment center. The process can last up to six months in some cases.
Aetna policies might involve a set copay for both inpatient and outpatient rehab services.
How Many Total Days of Rehab are Covered?
Most treatment programs range from 30 to 90 days. Make sure you are aware of how many days your plan will cover, and determine what the best option will be for you.
Remember, it’s about which program gives you the best chance of long-term success. Many folks with addiction need at least three months to make significant progress.
Plan Specifics
Here are some facts about each Aetna plan level:
High-deductible plans
These plans may offer preventative care options, even before the deductible is met. Plus, coverage through a primary care physician may also be granted at that point.
Copay-only plans
These plans guarantee that costs are only copays, once you’ve paid your deductible. Primary care physician visits and generic drugs are also covered prior to your hitting the deductible mark.
Open-access plans
Here you will be able to choose your doctors, and they won’t require a referral.
What if My Aetna Plan Doesn’t Meet My Rehab Needs?
If you’re still unable to get rehab costs covered by Aetna, reach out to Workit Health to learn about alternative options.
We are here to help you along your path to recovery. Our experienced team has helped countless individuals overcome their alcohol and drug addiction problems. You don’t have to let these abuses cripple your life any longer. Contact our team and seek the treatment you deserve.