Rehab Centers That Accept Aetna Insurance In Iowa
Rehab is a critical component of substance abuse recovery. Since costs can get out of hand, it is important for patients and their loved ones to familiarize themselves with their insurance offerings so they know what types of care are covered. This will allow them to maximize their coverage and minimize their personal expenses.
Aetna Substance Abuse Coverage in Iowa
For patients in Iowa interested in Aetna health insurance, there are a number of different plans available.
Patients struggling with substance abuse often find that they are no stranger to hospitals and emergency rooms. It is not uncommon for those using illicit substances to face injuries or illnesses that can be dangerous and even life threatening. If you find yourself having to go through the emergency room before or during substance abuse, then these plans will cover your treatment generally with a copay.
There are several different PPO plans available. Since these types of plans fall under the same category, they tend to have many overarching similarities. For example, for all of these plans, your prescription plan for in-network benefits will follow a $15/$25/$40 pay structure depending upon the type of drug. You will need to check the medication list that comes with your plan to see where your desired medication falls. If you are using out-of-network benefits, these medications will be covered at 60 percent. These medications can be an important part of helping many patients through detox or to help them cope with coexisting disorders, such as anxiety. Patients who know that they need these medications should work with their providers to find helpful prescriptions that will also not be too damaging to the budget.
Unfortunately, according to recent statistics, substance abuse patients often relapse between 40 and 60 percent of the time. Breaking the habit of substance abuse can be extremely difficult, and many patients will need to go through rehab more than one time. Fortunately, these PPO plans do not have a lifetime maximum when it comes to mental health treatment.
The PPO plans available will cover between 80 percent and 90 percent of your in-network costs and 60 percent to 70 percent of your out-of-network expenses. Most of your treatments are covered with copays, such as a standard copay to see a specialist. This can help you budget for the right specialist, such as a CBT or DBT therapist who has ample experience working with those struggling with substance abuse. The amount of your copay will vary depending upon your individual plan.
There are also a variety of Traditional Choice plans offered in Iowa. If you have one of these plans, you can receive treatment from any licensed doctor or facility of services that are covered by the plan. You will not have to worry about referrals, but you may need to get approval for certain services. When you receive your care, you will have to pay the bill in full and then sent a claim back to Aetna for reimbursement. This flexibility in your ability to find providers who best fit your needs can serve you well. If you believe that you would thrive better in an inpatient facility with a holistic mindset, you can find a licensed provider who can meet those needs. If you instead think that outpatient, traditional programs will better suit your needs, then you can find the perfect provider for you. This empowerment will help you personalize your recovery.
Basic Health Plan
The Basic Health Plan uses coinsurance rates to cover many different types of services, such as 60 percent coverage for physician office visits, urgent care, inpatient care and outpatient care. Although your stay at an inpatient or outpatient facility will require you to pay 40 percent out of pocket, there is an unlimited lifetime coverage for this need, which will help ensure that you will receive the help you need. Since the rates of coverage for this plan are lower, it will be important for you to budget for an upcoming rehab stay as well as any additional care you might need, such as more therapy or a halfway house.
Standard Health Plan
The Standard Health Plan is structured similarly to the Basic Health Plan, but covers a higher percentage of the care. Instead of 60 percent coverage, most services, including inpatient and outpatient treatment, are covered at 80 percent. This can help you save.
The HealthFund is paired with certain qualifying health insurance plans. It established a tax-free savings account that you can use to make contributions and then apply the money towards certain medical expenses, such as the deductible or additional therapy sessions as needed.
As patients prepare to enter rehab, being familiar with insurance coverage can be an important part of financing treatment. Speak with an insurance representative before receiving treatment expecting coverage.