Rehab Centers That Accept Aetna Insurance in Georgia
Thousands of people throughout Georgia struggle with substance abuse. This disease can cause havoc in the lives of those suffering as well as their loved ones. Often, the best course of action is for patients to enter professional rehab to begin receiving the care they need to move towards a healthier, substance-free lifestyle.
Finding the right rehab, however, can be a struggle. While most patients are familiar with the considerations that must go into finding practitioners and a facility that fits their personalized needs, many must also consider the cost. Treatment, particularly when one considers detox periods, after-care and any alternate therapies, can quickly become very expensive. While insurance plans are required to carry coverage for those seeking help for a substance abuse problem, each plan is different. Patients should make sure that they familiarize themselves with what their own plan offers. This information can be used to not only find the practitioners and facilities that will be covered, but it can also be used as a baseline for budgeting for any non-covered expenses that will be charged, such as the deductible. The better prepared patients and their families are for the reality of rehab, the less stressful the process will be for everyone, empowering the patient to focus more on their recovery.
Aetna Substance Abuse Coverage in Georgia
For patients in Georgia, Aetna offers four levels of plans: Gold, Silver, Bronze, and Catastrophic. Each type of plan has its own benefits and drawbacks. Generally, the higher the level, the lower the deductible will be for services but the higher the premium will be. It is up to the patients to properly budget to find the plan that will best suite their needs.
The plans currently offered in Georgia do currently cover out-of-network costs. This provides you with greater flexibility and freedom when it comes to finding the providers that can best meet your needs. It is important to note, however, that this coverage will not be as high as it would be if you stayed in network, so generally staying within network whenever possible will be preferable.
It is also important to note that the plans offered do not require a referral to see a specialist. This means you can find the therapists, facilities and other providers that will best fit your needs with more freedom and flexibility. Although it is not required for you to work with a primary care physician to coordinate your care, it may be worth working with an experienced professional who can help you sort through the different options and find the ones that will work best for you.
Gold Level
The Gold level plan currently offered in Georgia uses a combination of copayments and coinsurance. You will have a deductible that has to be met before the insurance begins to pay for your covered services. You will also have a separate deductible that needs to be met for particular types of service, namely prescription drugs. This means that you need to budget specifically for a prescription drug deductible, which can greatly impact rehab patients. It is not uncommon for those going through substance abuse treatment to require medications to help them cope. This deductible, however, does not apply to preferred generic drugs.
Silver Level
The Silver level plans have a higher deductible than the Gold level plan. Currently there are two types of silver plans in Georgia. One does not have a deductible specifically for prescription drugs or other specific services while the other one does. Like the prescription drug specific deductible for the Gold level plan, this deductible does not apply to preferred generic drugs.
Bronze Level
The Bronze level plans have higher deductibles than the Silver level Plans. Neither of the plans currently offered in Georgia, however, have separate deductibles for specific services such as prescription drugs.
Catastrophic Level
The Catastrophic level plan currently offered in Georgia has a higher deductible than all of the other plans. It does not have a separate deductible for specific services.
As those struggling with substance abuse come to realize the importance of a high-quality rehab, they want to know that the treatment they need does not have to hurt them or their family financially. By familiarizing yourself with what your plan offers and how that fits with your treatment, you can help alleviate much of the financial burden.
