Rehab Centers That Accept Aetna Insurance In Louisiana
Rehab can be an extraordinary, but expensive, gift for those trying to overcome substance abuse problems. Those preparing to enter rehab need to carefully review their care options and how they compare to their insurance coverage. This will help them find the help they need without unaffordable out-of-pocket costs.
Aetna Substance Abuse Coverage in Louisiana
For patients in Louisiana, Aetna insurance is issued through CoventryOne. These plans are divided according to three levels: Gold, Silver, and Bronze. The higher the plan is ranked, the more of your health care costs you can expect to have covered by the insurance company itself. Gold will cover 80 percent of your costs, with you being responsible for about 20 percent. Silver will then cover 70 percent of your costs and Bronze will cover 60 percent of your costs. Generally the plans that cover more will also have higher premiums, so patients will have to weigh the pros and cons to determine which type of coverage will best suit them.
Within each category, there are some plans that offer out-of-network coverage and some that will restrict you to in-network providers. Even if you use available out-of-network coverage, however, it is important to remember that the rate of coverage will be lower than what you would receive through an in-network provider.
Since most patients know that it is generally more to their advantage to remain within the network, Aetna’s tools can be very helpful. You can use the website of the insurance company to search for providers. This can make the quest for the right rehab treatment significantly easier. Even though none of the plans require you to use a referral when seeing a specialist, your primary care provider can also be an excellent resource. They should be familiar with your personal medical history and can offer you advice about types of treatment and recommended providers, which will help you make your selection faster.
It is important to also note that there are some plans that offer out-of-network coverage in some areas, but not in others. For example, you may not have coverage on prescriptions when out-of-network. Medications can be an important part of rehab, so this is an important distinction to note. You might end up needing a prescription to help you cope with certain aspects of the treatment, such as the detox process.
If patients find themselves needing emergency care at any point before or during their rehab process, they should note that most plans cover this care with a flat copayment. This can make it easier for patients to budget for emergencies.
These plans also generally cover home nursing and at-home care. In some situations, this might work for certain types of care after finishing rehab at another facility. It is important to note, however, that treatment must be preauthorized under most plans.
Gold
Some of the Gold plans, in addition to having a standard deductible for health care, you will also have a separate deductible for prescription medication. This additional deductible can be waived when your medicine is classified as a preferred generic, however. This makes it even more important to discuss prescription options with your providers to help you minimize costs without having to reduce your level of care.
Most of the patients will find that when they check into a rehab facility, they will be required to pay a copay for outpatient care. If they need to go through inpatient care, they will need to cover a coinsurance rate.
Silver
Like the Gold level plans, some of the available Silver plans will also have a separate deductible for prescription drugs. When you do enter rehab, you will find you will typically have a flat copay for outpatient care. Inpatient care will have either a coinsurance payment or it might have a copayment and a coinsurance payment.
Bronze
Although Bronze level plans generally have higher health care costs than other plan levels, there are a few Bronze level plans that actually have a 0 percent coinsurance or copay rate for inpatient and outpatient rehab. This can be an important detail for patients as they prepare to enter rehab.
Insurance options will have different levels and types of coverage for substance abuse treatment. Familiarizing yourself with them before entering treatment and speaking with an insurance representative can help you control your costs.
