Rehab Centers That Accept Aetna Insurance In Kansas
Recovering from drugs or alcohol requires the right insurance policy to help with the process. Depending on the situation, individuals have different tools and options to focus on their goals and start improving their personal lifestyle. In Kansas, individuals and families have opportunities to work with Aetna insurance through Coventry Healthcare. The programs and policies available through Coventry Healthcare allow individuals to focus on their situation and goals and obtain the right coverage for their substance addiction treatments.
Policy Options
As an Aetna company, Coventry Healthcare allows individuals or employees in a company in Kansas to find the right policy for their goals. It offers Bronze, Silver, and Gold policies that focus on different situations and goals.
Generally, a Bronze policy allows individuals to seek treatment for mental health disorders and addiction after paying the stated deductible and co-payment for the treatment. The exact costs vary; however, a Bronze policy usually has a lower initial cost and a slightly higher co-insurance rate when compared to other policy options. It might not cover the full cost of addiction treatment, but it usually allows individuals to seek treatment in an out-patient program. Some policies allow in-patient treatment when it is medically necessary.
Silver policies fall in the middle and result in an average cost when compared to other policy options in the country. Individuals have coverage for mental health disorders, but the exact details depend on the policy and the situation. Most policies will help pay for treatment at a rehab center in Kansas, but it can set exceptions or limitations in the coverage. Keep in mind that outpatient treatments are usually covered, but an inpatient or residential program might have exceptions that exclude treatment in a specific facility. Read the details before starting treatment to comply with any standards in the policy for detox services, emergency care and addiction treatments.
A Gold policy is the least expensive for out-of-pocket expenses in a treatment program, but it usually has a slightly higher monthly payment. Coverage in a Gold policy usually exceeds the coverage in other options and it will offer some options for mental health disorders and substance abuse. The exact details depend on the policy, but expect some limitations in the types of treatment programs that comply with the standards of the policy.
Selecting an Insurance Policy
In general, Aetna insurance in Kansas through Coventry Healthcare allows individuals to seek treatment for addiction, but the exact details and options vary between plans. Key factors to consider before starting treatment include:
Limitations in the policy
Exceptions for treatment
The type of treatments the program offers
The policy standards for a treatment program
Whether the program is in-network or out-of-network
In many cases, an out-of-network treatment program costs more because you pay a higher co-payment or co-insurance rate when compared to an in-network treatment facility. Furthermore, some treatment options like elective therapies and holistic treatments might not be covered in the policy. An evidence-based treatment program uses traditional treatments like counseling or cognitive therapies to help with long-term goals. Most evidence-based treatments are covered by an Aetna policy, but programs like acupuncture, music therapy or art therapy might not be covered. Evaluate the policy for specific details regarding the treatment options.
Selecting a Treatment Program
The best treatment program for any individual in Kansas depends on the situation and the severity of an addiction. Use the insurance policy from Aetna to narrow down the choices by selecting in-network rehab centers and focusing on treatments that comply with the standards of the policy. Avoid treatment programs that do not offer a variety of evidence-based treatment options.
Focus on personal goals and interests while using the insurance policy as a starting point for appropriate rehab centers. The final decision depends on the needs of each individual and sometimes it will mean seeking treatment in an out-of-network program or a residential rehab center.
Recovering from drugs or alcohol begins with seeking treatment in a professional program. In Kansas, residents have opportunities to focus on recovery goals when working with an Aetna insurance policy from Coventry Healthcare. The policies cover the cost of mental health disorder treatments and addiction, so individuals have the tools to avoid future substance abuse.
