Rehab Centers That Accept Aetna Insurance in New Mexico

Treating an addiction in New Mexico requires the right type of insurance policy and Aetna insurance works with employers to provide coverage to employees through group policies. These policies allow employers to work with the needs of employees and ensure that they offer appropriate coverage. Furthermore, policies from different states still handle the costs of treatments in New Mexico as part of an out-of-network treatment program.

Coverage Variations

Aetna offers two policy options: the one-to-one employer policy and the traditional choice plan. The one-to-one employer policy primarily works with small companies that require coverage, but do not have the large number of employees required for more comprehensive options. It offers basic coverage that handles most health concerns, including mental health disorders and addiction treatments, so that individuals can focus on their goals rather than their financial expenses. The coverage primarily helps with short-term treatment options or out-patient treatments.

The traditional choice policy from Aetna offers flexible treatment options based on the needs of each person. It uses a reimbursement solution to manage the costs, so an individual pays for the cost of treatment and then files a claim for a reimbursement of the costs. Even though it does allow individuals to seek treatment without a referral, some treatments require approval before it applies to the coverage.

In most cases, individuals must pay the stated deductible in the policy before the coverage applies to the situation. The exact amount of coverage depends on the specific policy, but most Bronze, Silver, and Gold policies through group policies from Aetna offer solutions for addiction recovery and mental health disorders.

Expect some variation between policies and options. In most cases, Aetna insurance policies pay for addiction treatment and mental health disorders; however, the policies set limitations on the details of the treatment and might not allow individuals to seek treatment when the program does not comply with specific standards. Generally, the policies will cover the treatment to a set percentage of the cost.

Seeking Treatment In New Mexico

Seeking treatment for an addiction in a residential program allows individuals to focus on their goals, without the distractions of their home environment. Aetna policies through an employer or group allow individuals to focus on their goals in an out-patient or in-patient program. Expect limitations on the treatment options the policy covers.

For example, most policies pay for out-patient treatments and medical treatments, but might not cover the cost of elective treatments, like acupuncture or massage therapy. Generally, Aetna policies will cover the cost of emergency detoxification services, basic counseling, and behavior modification. Holistic or evidence-based treatment programs are usually covered by most Aetna policies.

Pay particular attention to details regarding out-of-network treatment options and expenses. Generally, treating an addiction in an out-of-network rehab center costs more because the individual pays a higher percentage of the treatment costs.

Making The Most Of The Policies

Make the most of an Aetna policy by selecting the right program for the situation. The policy will usually pay for any emergency services related to mental health disorders or substance use disorders, but it might set limitations. Finding the right insurance policy in New Mexico depends on the situation and personal preferences.

Evaluate a specific policy for details about the options available in New Mexico and the limitations related to out-of-network treatment programs. Use the tools at RehabCenter.net for information about treatment programs in New Mexico that work with Aetna insurance policies.

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