Treatment Programs for Substance Abuse: What Does Aetna Cover?
Aetna offers health insurance options in a number of states, but the extent to which your plan covers substance abuse treatment programs will vary. Whether or not your Aetna plan covers treatment programs will depend on your state’s regulations and whether you have employer provided insurance or an individual plan. For employer provided insurance plans, federal regulations may impact the level of coverage your plan provides for mental health and addiction treatment.
Whether or not your plan covers substance abuse treatment programs, you will most likely need to get your treatment and treatment services approved prior to enrolling in a program. Knowing what services are covered and how to get pre-approval can be challenging, so your best bet is to work with an experienced substance abuse treatment professional or facility. A professional can ensure that paperwork is submitted properly and develop a treatment program that will suit your needs and finances.
More On Aetna’s Coverage of Treatment Programs for Substance Abuse*
Most employers see the benefit of having mental health and addiction treatment coverage for their employees. If your Aetna insurance is provided by an employer who has mental heath and addiction options, then your treatment can probably be covered at levels similar to other hospital care. This is due to provisions that went into effect in 2010 under the Mental Health Parity and Addiction Equity act of 2008, which requires companies who cover more than 50 employees and who offer mental health and addiction benefits to cover these conditions in the same way they cover other medical conditions. Some companies also have Employee Assistance Programs that provide additional resources to assist you with recovery above and beyond treatment coverage.
Most of Aetna’s individual and family insurance options do not include coverage for mental health and addiction treatment. However, some states require health insurance to cover some addiction treatment expenses. The extent to which coverage is mandated varies and the best way to find out if your treatment is covered under state provisions is to check directly with Aetna.
Work with Aetna and Providers of Treatment Programs for Substance Abuse
Help is available on your path to recovery, but the first step is getting a clear picture of the resources to available to you. You may want to check with Aetna to find out what options your plan provides. Key questions to get started with are:
- Does my insurance plan cover substance abuse treatment?
- What substance abuse treatment facilities will accept my insurance?
- Is there a daily maximum coverage for inpatient stay at a drug rehab center?
- What services will my insurance cover at a drug rehab center?
Even if your insurance provider does not cover treatment for substance abuse, there are other resources to help you find the right program, financial aid, and other support. Contact us today for free information.
* Disclaimer: Rehabcenter.net is not affiliated with or endorsed by Aetna. Details about Aetna’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered.