Rehab Centers That Accept Aetna Insurance in Oregon
When an individual or a dependent loved one shows signs of a mental health disorder or an addiction to drugs or alcohol, seeking professional treatment allows the individual to find realistic solutions to help with long-term recovery goals. Aetna insurance policies in Oregon offer the opportunity to improve the situation and make positive lifestyle changes.
Coverage For Groups And Employees
Aetna policies in Oregon primarily focuses on group coverage options. For example, students in college have Aetna policies available to help with healthcare costs and medical treatments. Some employers also offer group policies through Aetna, Coverage for addiction and mental health disorders through a group policy ultimately depend on the types of plans a group offers.
Some employers offer more comprehensive options through Aetna, such as a Silver or Gold policy, which pays for a larger percentage of treatment costs. For example, a Gold policy can cover roughly 80 percent of the treatment costs for most health concerns.
Other groups offer Bronze or Catastrophic policies based on the situation. For example, a policy for students usually get basic coverage for common concerns and not necessarily the most comprehensive options because students have a low risk of certain health concerns. Bronze policies usually cover a lower percentage of the treatment costs, such as paying roughly 60 percent, and requires a higher out-of-pocket expense.
Evaluate the details of any policy before assuming that it covers a residential treatment program or an outpatient addiction treatment facility. Generally, policies through Aetna offer some coverage for mental health disorders and substance use disorders. Expect higher costs for Catastrophic or Bronze policies due to the lower coverage when compared to Silver and Gold policies.
The deductible is also higher with most Bronze and Catastrophic policies when compared to Silver and Gold policies. For example, a Bronze policy can have a deductible of roughly $6,000 while a Gold policy will have a lower deductible of roughly $3,000 to $4,000.
Treatments Usually Covered By Aetna
In most cases, an Aetna policy will cover out-patient programs that include counseling services, group therapy and cognitive-behavioral therapies. Treatments for co-occurring disorders or mental health disorders are also covered under most policies from Aetna as long as individuals meet any standards set by the plan.
If a treatment program requires a referral from a medical professional, then follow through and obtain the appropriate referral before starting a treatment plan. Focus on recovering in an appropriate program that offers a variety of treatment solutions and a personalized plan of action to get the best recovery results. Some policies exclude specific services, like acupuncture or art therapy, so identify potential exclusions or limitations.
Use the insurance policy to narrow down the choices. Opt for an in-network treatment program for the lowest co-insurance and co-payment rates. Some policies do not cover out-of-network treatment programs or pay a smaller portion of the treatment costs. Expect variation in costs and pay attention to any details related to co-insurance rates and co-payments. In most cases, the coverage applies after paying the deductible.
Focusing On Your Recovery
Although Aetna focuses on group and employer-provided insurance policies in Oregon, it does offer options to help with long-term recovery goals and addiction. For more details about treatment options or assistance identifying the right program, use the tools at RehabCenter.net today.