Rehab Centers That Accept Aetna Insurance in Colorado
Abusing drugs or alcohol impacts personal health and well-being. In many cases, recovering from substance abuse requires the help of a professional rehab center. In Colorado, insurance policies from Aetna are available through employers or Aetna Health Fund.
Policies From Aetna
The Aetna Health Fund is a type of consumer-driven policy that offers basic coverage for most health concerns. It also provides a Health Savings Account and Reimbursement strategy that helps reduce the cost of treatment by ensuring that individuals have funds available to handle the costs. Although the policy has a low premium, it does have higher out-of-pocket expenses when compared to other policy options.
Generally, the Aetna Health Fund covers mental health disorders and addiction treatment; however, the exact details and amount of coverage depends on the situation and the treatment facility. In most cases, the policy covers a percentage of treatment, such as 60 percent, or requires a stated co-payment for out-patient treatment programs. Residential care usually costs more due to the method of paying for treatment as well as the overall costs associated with the treatment.
Group policies from an employer offer more flexibility and options, but the exact details depend on the employer rather than the insurance provider. Aetna offers small group policies for small and mid-sized businesses, but employer decide on the details and the type of policies available for employees. While the exact details and costs vary, group policies cover mental health treatments and treatments for addiction recovery as long as individuals comply with the standards of the policy. If necessary, obtain a referral from a doctor before seeking treatment.
Limitations in Colorado Policies
Aetna policies in Colorado vary significantly based on an employer and the type of policy an individual purchases. Although Aetna Health Fund offers individual and family programs, it is a basic policy that complies with the Affordable Care Act. It does set limitations on the coverage. For example, the policy sets a limit on the number of out-patient treatment sessions available for each individual covered by the plan. Exact limitations vary between policies and an employer-provided group policy usually sets clear exceptions and limits on the duration of treatment.
Pay attention to any standards set in the policy before finalizing a treatment program. Comply with the stated requirements, particularly when asking for a reimbursement or using a Health Savings Account to help cover the costs of treatment. In most cases, the policy offers details about covered situations and when the Savings Account applies to a particular type of treatment program.
Treating Addiction and Emergencies
Since Aetna policies offer coverage for most mental health disorders and addiction, treating the substance abuse depends on the situation and personal needs. Emergency detox services and any healthcare related to an overdose are usually covered, even if an individual seeks care in an out-of-network facility or hospital.
If a dependent loved one abuses drugs or alcohol in Colorado, then an Aetna policy will usually allow the individual to seek treatment in an emergency care facility and to follow any standards or requirement set by a medical professional.
Clarifying Details in a Policy
When a policy from Aetna seems complicated, individuals must pay attention to the details and the exceptions. Generally, Aetna policies from most states will cover the cost of emergency care, mental health disorders and substance use disorders. The exact options and limitations vary between policies and some programs will require a referral from a medical professional before starting treatment.
Opt for treatment programs that comply with the standards of the policy. For example, enter an in-network treatment program to limit the potential complications associated with out-of-network treatments. Some policies limit coverage for out-of-network programs. Focus on programs that offer evidence-based treatments, like cognitive therapy, or that follow traditional treatment approaches, like counseling and group therapy.
Avoid treatments that the policy does not cover. For example, avoid acupuncture treatments or massage therapy, which a policy usually excludes as an elective treatment. Follow through with any medical standards and treatments recommended by a doctor to handle emergencies, detoxification or any potential complications associated with substance abuse.
A treatment program in Colorado for substance abuse provides a chance to start improving personal health. By working on recovery in a safe environment, individuals learn strategies to avoid substance abuse. For more information about treatment programs in Colorado, use the tools at RehabCenter.net today.