Rehab Centers That Accept Aetna Insurance in Alaska
Addressing an addiction to drugs or alcohol requires a professional treatment program. When a dependent loved one shows signs of substance abuse or a mental health disorder, an individual must understand the details of a health insurance policy before identifying the right treatment program. In Alaska, Aetna insurance policies only apply to group policies and employer-provided policies. The details of the policies vary based on the type of group policies the employer provides and the specific policy purchased for health coverage.
Basic Coverage for Policies in Alaska
Coverage standards and options depend on the specific policy and the details in the policy; however, most policies from Aetna cover mental health disorders and substance use disorders as part of the basic policy. The exact amount of coverage and the limitations in the plan vary based on the specific type of policy an individual purchases through the group or employer.
Generally, coverage for mental health disorders and addiction treatment programs will start after an individual pays the stated deductible. Co-payments and co-insurance rates vary between policies and the specific treatment program. In most cases, an out-of-network rehab center in Alaska costs more for treatment than an in-network program due to the co-insurance rates on the policies. An outpatient program also costs less than an inpatient or residential program, but the exact coverage standards vary.
Treatment Limitations and Exclusions
Exclusions and limitations set by an insurance policy through Aetna depend on several factors. Usually, exclusions apply to specific treatments for addiction and mental health disorders. For example, a policy might exclude elective treatments like acupuncture, massage therapy or art therapy that a rehab center offers as part of the treatment process. The exclusions mean that an individual pays for the specific treatment or does not use the stated treatment as part of the recovery process.
Limitations in the policy do not necessarily relate to the exclusions. A possible limitation that might apply to a specific policy is the duration of treatment. Some policies only allow individuals to stay in a residential program for a stated number of days; for example, staying in treatment for 30 days in one year. Other programs limit the number of outpatient visits an individual can seek for the year. Exact limitations and requirements vary between policies, so evaluate the options before selecting an insurance policy through a group or employer in Alaska.
Selecting a Treatment Program
After evaluating the details of the coverage and the exclusions that apply to a policy, focus on finding a treatment program that complies with the standards of the policy. Ideally, a treatment program will offer cognitive behavioral therapy, counseling services, group therapies, and even holistic treatments, to help with long-term goals. If an individual shows signs of having a mental health disorder or illness as well as an addiction, then a rehab center must also provide specialized services for co-occurring disorders or dual diagnoses.
Focus on programs that provide a variety of tools and treatment options. When a program offers a personalized treatment plan that includes evidence-based treatments, holistic programs, and alternative treatment options, an individual has several tools to focus on recovery and healing. A program must also address any health concerns, such as a physical ailment that contributes to an addiction or stems from an addiction, so that it helps an individual reach his or her recovery goals.
Recovering in Alaska
Recovering from substance abuse and maintaining a healthy body and mind requires the right treatment program in Alaska. By working with an Aetna policy, an individual can find the best treatment facility for personal goals and concerns. To learn more about treatment options or insurance policies in Alaska, use the tools at RehabCenter.net today.
