Insurance and Addiction Treatment
Addiction Treatment Provided by
Aetna Health Insurance
If you are currently looking for a drug rehab, you have many choices to consider when selecting the perfect rehab for your needs. Among those considerations are the quality of care, evidence-based treatment programs, and the experience of treatment staff, among other concerns. While those factors are critical, arguably the most significant factor in choosing a treatment facility is whether they accept your insurance. Having solid addiction rehab insurance will give you peace of mind when it comes to receiving the best care possible. Most importantly, having excellent insurance can save you thousands of dollars in out-of-pocket costs.
There are many different insurance companies that offer addiction coverage. One of the biggest and most reputable of those insurance companies is Aetna. While Aetna has a long-standing reputation as a reputable company, does Aetna drug coverage cover the essential services clients need to get and stay sober? This article will further explore Aetna drug and alcohol rehabs and their coverage for both in and out-of-network.
If you have questions on Aetna substance abuse treatment and how it would cover your treatment stay, contact Casa Serena toll-free today, and learn more about women’s addiction treatment in Santa Barbara.
Aetna Rehab Centers
What is an Aetna Drug and Alcohol Rehab Center?
If searching for comprehensive addiction treatment as an Aetna policyholder, you may be wondering if there are Aetna drug and alcohol rehab centers in your area. The simple answer to that question is yes. Thanks to provisions in the Affordable Healthcare Act, insurance companies must provide some form of coverage for both substance abuse and mental health treatment. These services are deemed essential healthcare services by the United States government.
Since substance abuse and mental health treatment are considered essential services, rehab centers covered by Aetna must provide the following services:
-Behavioral health treatment, psychotherapy and counseling
-Mental and behavioral health inpatient services
-Substance use disorder treatment
Also, it is important to note that Aetna substance abuse treatment plans cannot deny you or charge you more for services if you have pre-existing conditions. Furthermore, there must be parity protections where limits are applied to mental health, and substance abuse services can't be more restrictive than limits applied to other medical and surgical services.
Since substance abuse and mental health treatment are considered essential services, rehab centers covered by Aetna must provide the following services:
-Behavioral health treatment, psychotherapy and counseling
-Mental and behavioral health inpatient services
-Substance use disorder treatment
Also, it is important to note that Aetna substance abuse treatment plans cannot deny you or charge you more for services if you have pre-existing conditions. Furthermore, there must be parity protections where limits are applied to mental health, and substance abuse services can't be more restrictive than limits applied to other medical and surgical services.
Casa Serena
What is Included in Aetna Insurance Programs?
While Aetna provides substantial benefits for substance abuse and mental health treatment, the services provided and the percentage of coverage varies from state to state and by the type of Aetna drug and alcohol rehab coverage you have from your employer. In general, the following services are covered by Aetna rehab facilities:
-Medical Detoxification Services: Detox helps clients safely and gradually wean themselves off of substances and minimizes the pain and discomfort associated with withdrawal
-Inpatient rehabilitation: Inpatient requires patients to live at the rehab facility or in nearby housing on the rehab's campus
-Outpatient treatment: Allows people to receive vital treatment services at the facility or other location while being able to remain at home
-Partial hospital treatment: A more intensive Santa Barbara outpatient treatment program for people who are at high risk for relapse because of a medical or mental health issue
-Intensive Outpatient Treatment: An outpatient option for those needing more intensive care compared to traditional outpatient programs but has the flexibility in allowing people to live at home
-Continuing Care Programs: Can include alumni programs, continue counseling and therapy, and transitional living homes
You must consult the summary of benefits for your Aetna women's rehab insurance to determine your coverage for these services if they are needed. Your summary of benefits will also provide you with the programs and services that may not be covered under your Aetna alcohol treatment policy. Contact customer service at Aetna if you have questions about coverage.
In general, inpatient and residential treatment costs considerably more than outpatient programs. However, services in both inpatient and outpatient programs are covered as long as those services are deemed medically necessary. This includes individual, group, and family therapy, detox services, mental health services, and meals, among other services. Usually, experimental therapies and some holistic therapy programs are not covered under an Aetna drug and alcohol rehab insurance plan.
-Medical Detoxification Services: Detox helps clients safely and gradually wean themselves off of substances and minimizes the pain and discomfort associated with withdrawal
-Inpatient rehabilitation: Inpatient requires patients to live at the rehab facility or in nearby housing on the rehab's campus
-Outpatient treatment: Allows people to receive vital treatment services at the facility or other location while being able to remain at home
-Partial hospital treatment: A more intensive Santa Barbara outpatient treatment program for people who are at high risk for relapse because of a medical or mental health issue
-Intensive Outpatient Treatment: An outpatient option for those needing more intensive care compared to traditional outpatient programs but has the flexibility in allowing people to live at home
-Continuing Care Programs: Can include alumni programs, continue counseling and therapy, and transitional living homes
You must consult the summary of benefits for your Aetna women's rehab insurance to determine your coverage for these services if they are needed. Your summary of benefits will also provide you with the programs and services that may not be covered under your Aetna alcohol treatment policy. Contact customer service at Aetna if you have questions about coverage.
In general, inpatient and residential treatment costs considerably more than outpatient programs. However, services in both inpatient and outpatient programs are covered as long as those services are deemed medically necessary. This includes individual, group, and family therapy, detox services, mental health services, and meals, among other services. Usually, experimental therapies and some holistic therapy programs are not covered under an Aetna drug and alcohol rehab insurance plan.
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In-Network Addiction Treatment Coverage
In-Network and Out-of-Network Coverage and Costs
As you review your Aetna insurance alcohol rehab program, you have two choices of coverage: in-network and out-of-network. This section will briefly explain the two types of coverage and generally what insurance will cover and what may need to be paid out of pocket. An in-network provider is one who has a contract to provide treatment services to Aetna policyholders. As a result, people who choose an in-network provider will pay cheaper rates. This can be seen in lower copays, coinsurance and deductibles. There may be certain services that in-network providers may completely cover.
Out-of-network providers may provide essential treatment services but will do so at a much higher rate. Covered services generally are subject to higher copays, coinsurance, and deductibles. There may be out-of-network providers who don't provide some services at all, and all costs will be out-of-pocket. For non-covered services, providers may charge a higher rate than most out-of-network rates. In those cases, you may have to talk to the facility if there are alternative forms of payment.
Length of Treatment at Casa Serena
How Long Does Aetna Insurance Cover Rehab?
When you enter an Aetna alcohol treatment rehab, you should be able to stay in treatment as long as it takes to address your issues thoroughly. Generally, inpatient programs run 30-90 days, while outpatient programs last 9-14 weeks on average. As a whole, Aetna will cover a portion of the cost of treatment as long as you need it since more extended treatment programs increase the chances of long-term recovery. However, the period that Aetna substance abuse treatment insurance covers depends on the type of plan you have, the level of coverage, and the state you reside in.
Admissions Team at Casa Serena
How Can You Check your Aetna Drug Coverage?
Before you make the commitment to a treatment facility, you need to know what coverage you have for services under your Aetna addiction insurance. You want to contact Aetna at the phone number provided on your insurance card. You also will want to look at your policy brochure to determine what specific services are covered under your plan. You also want to talk to the admissions specialist at the facility you are considering attending.
Admissions staff are experienced in understanding Aetna addiction rehab insurance, and they can evaluate your plan to see which services are covered and not covered. If essential services are uncovered, the admissions specialist may provide alternatives for payment, including sliding fee scales or scholarships.
Women's Addiction Treatment
Casa Serena Accepts Aetna Insurance
If searching for a women's rehab center in Southern California, Casa Serena is your first choice. For six decades, we have helped countless numbers of addicts find long-term health, happiness, and recovery. We are a premier Aetna rehab facility that will thoroughly review your plan to determine the costs associated with treatment. In some cases, your insurance will cover 100 percent of your treatment expenses.
Call us today and begin your healing journey with our top-rated women's residential rehab programs.