Rehab Centers That Accept Aetna Insurance in Idaho
When a person develops a substance abuse problem, they often quickly find that their lives begin spinning out of control. Patients often begin to struggle with their overall health, their relationships with loved ones, their ability to hold down a job and the ever-present threat of legal trouble. When people realize that they need help with regaining their lives, rehab is the first step they need to take.
Successfully completing rehab, however, can be a strenuous task for these patients. They must explore the factors and challenges that led to their development of a substance abuse pattern. They must learn how to change their behaviors, routines and even friendships to maintain their sobriety and build a positive support system. This process can be emotional and stressful.
When patients are faced with this care in their future, they do not need any additional stressors added, but finances are one that face many. Rather than worrying about how to pay for rehab, patients should familiarize themselves with how their insurance plan works and find treatment options that help them minimize out-of-pocket costs while still maintaining high-quality care. Here is what all patients should know about Idaho health coverage from Aetna.
Aetna Substance Abuse Coverage in Idaho
For patients living in Idaho, Aetna is one of the many companies from which their employers can choose. The better you understand what these plans cover and how they will impact your rehab needs, the better prepared you will be for rehab costs.
Get treatment when
and how you need it.
The Standard Indemnity plan is offered for small businesses. This plan has a variety of benefits that will help you as you go through your rehab experience. Both inpatient and outpatient substance abuse treatment are covered. There is no copay due if you need hospitalization services, either. Some patients find that they will need to be hospitalized, particularly at the beginning of their treatment for the detox period if they need a medically assisted detox. If you need medications to help you cope with the recovery period, such as a co-occurring disorder or with maintaining sobriety, then you will be relieved to hear that pharmacy charges will be covered at 100 percent after you make a $10 copayment.
The Basic Indemnity has some similarities to the Standard Indemnity in that pharmacy charges are covered at 100 percent after the $10 copay and there is no copay for inpatient hospital stays. On the other hand, your deductible will be higher and only outpatient treatment is listed as a service. Given the higher rates of out-of-pocket expenses for the deductible and related charges, you will need to budget a bit more for rehab if this is your insurance plan.
The Traditional Choice plan was designed to give you the freedom and flexibility to see any licensed professional or facility you want whenever you want. This means you can search out the top rehabs, wherever they might be. If you want to travel for an inpatient stay so that you can experience treatment in a relaxing environment, you can and still submit your claim to Aetna. It is important to note that with this plan, you will have to pay for the service and then you will submit a claim to Aetna for reimbursement. There are some types of care that will require you to get pre approved before you submit the claim, so make sure you review your individual insurance information before going into treatment.
The Aetna HealthFund was designed to give you the chance to set up a savings account when you also have a qualifying insurance plan. There are a few different types of accounts available, but the goal of each of them is to allow you to save money that can be used towards particular health expenses. These accounts can help you put aside money to cover your deductible before you enter rehab. It can also help cover additional CBT therapy, certain holistic treatments when allowed and other expenses associated with rehab care.
Entering rehab can feel like a time of tremendous stress and pressure for many patients. They often will be completely rewriting how they live their lives and how they cope with life’s ups and downs. When patients and their loved ones take the time to evaluate their insurance plans and make decisions about treatment wisely, they can rest assured that their financials will be stable. Patients should always speak with an insurance agent before they make decisions expecting insurance coverage.