Rehab Centers That Accept Aetna Insurance in Pennsylvania

The cost of treatment for drug and alcohol addiction is one of the considerations for entering treatment and deciding on a program. But keep in mind that if you have health insurance, you shouldn’t have to pay the entire cost of your treatment. When you find a facility and types of treatment that your insurance plan covers, you will only be required to pay a percentage of the cost or a copay. Individual Aetna plans in Pennsylvania can provide you with substance abuse treatment coverage. If you have a co-occurring mental disorder, these plans also include coverage for mental and behavioral health treatment.

Bronze Level

Aetna has an array of bronze plans to choose which offer a low monthly premium, but which cover less treatment costs. All of these plans cover inpatient and outpatient care for substance abuse, mental health, and behavioral health. Under this level, you could choose the $15 copay HMO Savings Plus plan. For each outpatient visit, it costs a $50 copay for a designated in-network provider or $100 for a non-designated in-network provider. The inpatient service cost is a $250 admission copay for the designated provider or $500 for a non-designated one. This plan does not cover providers outside the network.

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The $20 copay HMO plan covers outpatient care for a $50 copay each visit and inpatient services for a $250 admission copay. Out-of-network providers are not covered. The $20 copay OAMC is a POS, or point of service, plan. Outpatient services cost a $50 copay for each visit, while inpatient services require an admission copay of $250. To see an out-of-network provider, you cover 50 percent coinsurance, with pre-certification needed to keep from paying more.

The Deductible Only HSA Eligible HMO plan has a 0 percent coinsurance for inpatient and outpatient treatment and does not cover out-of-network providers. The POS Deductible Only HSA Eligible OAMC plan also costs 0 percent coinsurance in-network or 50 percent coinsurance for pre-certified out-of-network services.

Silver Level

Silver plans tend to require a less out-of-pocket investment, but have a higher monthly premium. All of these plans cover services for mental health, behavioral health, and substance abuse. The $5 copay 2500 HMO Savings Plus plan requires a $50 copay each visit with the deductible waived for outpatient services or a 30 percent coinsurance for inpatient services from a designated network provider. The cost is higher for a non-designated network provider and the plan does not cover out-of-network providers.

The $5 copay 2750 HMO plan requires a $75 copay each visit with the deductible waived for outpatient treatment or a 30 percent coinsurance for inpatient services. Out-of-network centers are not covered. The POS $5 copay 2750 OAMC plan requires the same amounts as the HMO plan, but covers pre-certified out-of-network providers for a 50 percent coinsurance.

The $10 copay HMO Savings Plus plan covers designated network providers for a $60 copay per visit with a waived deductible for outpatient care, or a $250 copay, for the admission and a 30 percent coinsurance for inpatient treatment. Non-designated providers cost more and out-of-network providers are not included in coverage.

The POS $10 copay HMO plan requires a $75 copay with a waived deductible for outpatient and a $500 admission copay and 30 percent coinsurance for inpatient care. Out-of-network services are not covered. The POS $10 Copay OAMC has the same costs as the previous plan for in-network and 50 percent coinsurance with pre-certification for out-of-network providers.

Gold Plans

These cover the most health costs, but have the highest monthly premiums. The $0 copay HMO Savings Plus plan comes with a $40 copay for each visit and a waived deductible for outpatient care, or 20 percent coinsurance, for inpatient care. Non-designated care costs more, while out-of-network care does not have coverage. The $5 copay HMO plan has the same amounts as the previous plan for in-network providers, and does not cover out-of-network care. The POS $5 Ccpay OAMC plan also covers the same amount for in-network care, and 50 percent coinsurance with pre-certification for out-of-network care.

Individual Aetna insurance plans will help you cover some of the cost of treatment so you can work on recovering from an addiction and/or a mental health concern.

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