Rehab Centers That Accept Aetna Insurance in South Dakota
When patients and their loved ones sit down to discuss the possibility of rehab, cost is often one of the major concerns that will have to be addressed. For rehab to be successful, it generally cannot be addressed in a few quick sessions. Many people are going to need involved care, whether it’s inpatient or outpatient treatment. They have to be equipped with the tools they need to navigate society without using again.
Fortunately, substance abuse treatment is consisted a necessary form of coverage that insurance companies have to offer. This means that your insurance company can alleviate some of the costs of treatment. Each plan, however, will be unique and it is important to become familiar with what your specific plan says.
Substance Abuse Coverage From Aetna In South Dakota
There are several different plans offered in South Dakota. These plans are generally offered through your employer. When you are free to choose your own provider, you have the power to find the practitioners that best fit your needs.
Traditional Choice
Under the Traditional Choice network, you will have the flexibility to choose any licensed doctor or facility. However, pre-approval will be required in certain circumstances. When you receive care, you need to pay the bill upfront and submit a claim for reimbursement. The level of reimbursement depends on the structure of your unique plan.
Most of Traditional Choice plans use coinsurance for substance abuse services. Given the freedom offered by this plan, you should find it to be relatively straightforward to receive covered forms of therapy from licensed holistic therapists and traditional therapists. You will want to verify coverage before pursuing treatment with the assumption that it will be reimbursed.
Open Choice
The Open Choice plan is designed to create considerable freedom in your healthcare needs. You can go to a network doctor that offers special low rates to Aetna customers. You need to pay a portion of the charges, but your network doctor will handle the claims. You have the freedom to see an out-of-network licensed doctor or specialist, but you will have to pay more. You may also be responsible for more paying the full amount at the time or service, getting approval from Aetna, and filing the claims.
This plan commonly comes with a deductible before coverage begins. The flexibility provided by this plan ensures that you receive some degree of coverage, regardless of the facility you choose. This means you are not restricted to local providers. You can instead find the environment and philosophy that best fits your personality and needs.
For example, some patients may work better with a holistic philosophy, while others will thrive in a 12-step atmosphere. Since in-network doctors help you handle the insurance process, going with one of these providers can also help you reduce the stress associated with this process. If you need additional therapy after rehab, the using in-network providers can also help you make the transition smoothly.
Aetna HealthFund One-To-One
The One-To-One health fund gives your employer the chance to select a qualifying medical plan and then pair it with an HSA, FSA, or HRA. This is a tax-free account that lets you put aside money for qualifying medical expenses. There are a number of different funding options that dictate the expenses for which the account can be used. For example, the limited-purpose HRA is only available to cover vision, dental, and preventive care. But, they can help you cover deductibles, additional therapy, emergency room coinsurance/deductibles, and other rehab associated costs.
The path towards rehab can be an intimidating one, but a healthy life is worth it. Patients should always speak with their insurance company before making decisions about coverage.
