Rehab Centers That Accept Aetna Insurance in Connecticut

Those struggling with substance abuse in Connecticut will generally need some form of rehab to help them rid their bodies of the illicit substances and get started on the path towards health. Since the passing of the Affordable Care Act, patients have been able to count on insurance plans covering at least a portion of their treatment costs. This can be very helpful for patients and loved ones for whom cost would otherwise be a problem.

The coverage offered by every plan, however, is not the same. Patients should review their own information to see what exactly will be covered. They also need to consider what care they will need. Treatment can vary widely, from outpatient treatment to intensive detox to long-term inpatient programs and aftercare. When patients have a better idea of exactly what they are going to need for their treatment and they can combine this with insight into their level of coverage, they will be much more equipped to budget for their needed care.

Here is what all patients should know about Aetna insurance coverage for substance abuse in Connecticut.

Aetna Coverage for Substance Abuse in Connecticut

For patients in Connecticut, there are three levels of coverage from Aetna: Gold, Silver, and Bronze. The Gold level plans are estimated to cover 80 percent of health care. Silver level plans then cover about 70 percent of the costs and Bronze level plans cover 60 percent of costs. The higher your plan is ranked, the more you might pay in premiums, but you will pay less in deductibles, copayments, and insurance.

Each of the plans available do have coverage for out-of-network providers, but this coverage is at a lower rate than the rest of the care options. If you find an inpatient treatment option, for example, that fits your needs but is not covered in the network, then you can pursue treatment and generally receive at least some coverage. Most patients do find it beneficial to work with in-network providers to minimize their personal expenses.

Within each level, there are also some plans that work with a designated network for each plan. This designation creates three levels of care. There are certain costs that apply to designated network providers, followed by other in-network providers and then out-of-network providers. The plans that have this specially designated network also require patients to get a referral to see a specialist. Although this adds an additional step to the process before you can receive treatment, many people find their primary care provider to be an excellent resource. They can offer you advice about whether inpatient or outpatient treatment will be the best choice for you. They can also help you understand the different types of therapies used and how to find practitioners that will be able to meet your needs. The rest of the plans do not require referrals for specialists.

When it comes to specialists, it will be worth investigating if your preferred alternate treatments will be covered by the plan. Some forms of alternate care, such as chiropractic care are often covered.

Gold

Patients with Gold level plans will have deductibles around $1,000-$2,000 for an individual. They will also be required to pay a separate deductible for their prescription drugs. This deductible does not apply for medications classified as in-network preferred generic drugs. This is an important distinction for patients entering rehab. If you need medications to help you cope with detox or maintain sobriety, then this will be an additional charge for which you will need to plan.

Silver

At the Silver level, you will deductibles that are between $2,000-$5,000 for an individual. Like the Gold level plans, there are some plans within the Silver classification that do have separate deductibles for prescription drugs.

Bronze

The Bronze level plans have deductibles that are generally between $5,000 and $7,000. None of the plans in this category currently have a separate deductible for prescription drugs.

Patients who struggle with substance abuse generally know that they are going to need treatment and rehab to be able to correct their path and find their way to health. To help them handle the cost, insurance plans will provide some coverage. When patients and their loved ones review their own insurance plans, they can make better decisions about where to receive care.

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