Rehab Centers That Accept Aetna Insurance in Arkansas
Those struggling with substance abuse in Arkansas know that their care has to be customized to meet their individual needs. One who has been struggling with the disease for a long time, and perhaps has even tried rehab before, may need to go through an intensive inpatient program. Others, who have not been through rehab before but have excellent support systems at home, might thrive with outpatient programs. These patients must make many decisions about their care to ensure that it meets their needs.
Selecting a facility also has one other major factor that must be considered: money. Without insurance, the out-of-pocket costs can be crippling for sufferers of addiction and loved ones. Fortunately, most insurance plans now cover substance abuse and mental health treatment, making it easier for patients to afford the treatment they need. All patients should carefully review their insurance policies to make sure they understand exactly what is being covered and how that impacts their expenses for rehab.
Aetna Substance Abuse Coverage in Arkansas
In Arkansas, Aetna coverage is provided through Coventry One, an Aetna company. This company provides three levels of plans for people in the state: Gold, Silver, and Bronze Plans. All of these plans will provide mental health and substance abuse services– the differences will arise in the amount of coverage provided and how much of the cost will have to come out of the pocket of the patient or their loved ones. Pre-authorization is often required for inpatient care and failure to take care of this requirement can result in lower or loss of coverage. Patients should make sure they always clear this type of treatment with their insurance representative.
It is important to note that Coventry One does not generally cover treatments that are considered experimental or investigational. That means some holistic or alternative treatments might not accepted by the insurance company. It is important for all patients to understand exactly what is covered by speaking with an insurance agent prior to beginning a new therapy or treatment.
Other possible aspects of substance abuse treatment, such as prescription drugs that can help with detox or maintaining sobriety, are also covered by the Coventry One plans. There are preferred pharmacies in the network, which can help patients control the costs of their medications. The cost of particular drugs, however, will often vary and you should investigate the out-of-pocket costs of your prescribed medication by checking the insurance company’s prescription drug list.
Here is a basic outline of what Aetna’s Coventry One offers patients on each of the three levels of plans.
Gold level plans mean that you will pay more for your monthly premium but less when it comes time to cover overall costs for services. As with all Coventry One plans, you will receive coverage for your substance abuse treatment. You should familiarize yourself with your standard copays and coinsurance requirements so you can adequately budget before entering treatment.
Silver plans fall in between Gold and Bronze plans with regard to the premium and the out-of-pocket costs. Like the other plans, you should expect to receive care with a copayment or coinsurance requirements. There is also coverage for out-of-network providers and services, but you will have to pay more out of pocket. This flexibility will make it easier for you to select providers that will best fit your needs.
The Bronze level plans generally cover both in-network and out-of-network services, but the in-network services are covered to a much higher degree. Patients should expect to pay either through co-insurance or a copay, or sometimes both. For example, for some inpatient services, the patient must pay a copay upon admission plus use co-insurance to cover some of the care throughout the period.
Patients entering substance abuse treatment should know that finding the right facility can have an enormous impact on their progress and their ability to maintain sobriety. Insurance plans can help relieve patients and their loved ones of some of the financial strain associated with treatment, empowering them to focus instead on finding the best program and seeking recovery. It is important for those with substance abuse issues to familiarize themselves with their plan and coverage so they can make the best decision possible about the treatment they seek.