Rehab Centers That Accept Aetna Insurance In Maryland

When patients begin to realize that they need help overcoming their substance abuse problem, they generally turn towards rehab for the treatment they need. A high-quality rehab can help patients begin to make sense of why they have made the choices they have and what they can do to avoid making the same mistakes in the future. Patients become empowered to live a healthier lifestyle.

For patients to receive the care they need, however, it often requires significant financial backing. Many patients must go through a detox process, and for some, the process will have to be medically supervised as it can get dangerous for the patient. Once this process has completed, patients then go through their standard inpatient or outpatient treatment. After treatment, there is still after care and continued therapies to provide the patient with support as they reenter the world.

As patients in Maryland know, however, this can get expensive. Fortunately, insurance plans can help patients and their loved ones alleviate many of the financial burdens. When patients review the types of treatment allowed under their health plan, they can make more informed decisions about where to pursue treatment and how to budget for any expenses.

Aetna Substance Abuse Coverage in Maryland.

Patients in Maryland who receive Aetna insurance will receive their coverage through Coventry. There are four categories of plans delivered through Coventry in the state: Platinum, Gold, Silver, and Bronze. These plans differ largely in their cost structure. Higher level plans will have higher monthly premiums but lower costs when it comes to deductibles. On the other hand, lower level plans will have lower monthly premiums but higher deductibles. It is important for those preparing to enter rehab to consider how these different options impact them so they can budget accordingly.

It is important to note all of these Coventry/Aetna plans cover prescription drugs, which can be valuable for patients who need medication to enhance the rehabilitation process. Drug prices are calculated based on classification system of 1A, 1, 2, 3, 4, and 5.  Within your insurance information  you will find information detailing which medications are classified within each category. There are also a few plans that have a prescription drug deductible.

Platinum Level

The Platinum plans offered have deductibles that must be met. There is a copay for office visits and specialists. Some of the plans designated as Platinum level cover out-of-network costs at a lower level than standard coverage. This provides you with greater flexibility should you find a provider that seems to work very well with you but is not part of the Aetna network. If you go out-of-network, you will have coinsurance and a higher deductible than you would for in-network care. Should you find that the best short term or long term rehab does not work with the insurance company, you will need to plan for this expense. Note that not all Platinum plans cover out-of-network expenses.

Gold Level

At the Gold level, you will have to pay a higher deductible than you do for Platinum plans, but your premiums will be lower. Although most plans will require copays, there are a few options where you can elect to have a low coinsurance rate for certain services and no copay. Like the Platinum plans, there are some plans that provide lesser coverage for services rendered outside the network, while others will require you to stay within the network. You should verify with your exact plan whether or not your coverage includes out-of-network benefits before you begin to investigate possible providers. If you use in-network coverage, you can use Aetna’s provider tools to find information about holistic or more traditional CBT or DBT therapists that will best fit your needs.

Silver Level

There are a few different Silver level plans offered in Maryland. They work on a variety of payment structures, with some allowing you to forgo copays in favor of coinsurance on some services after the deductible is met. Others have copays and coinsurance for certain services. Like the other plans, some provide out-of-network coverage while others do not. You

Bronze Level

The Bronze level insurance plans have the highest deductibles of the different levels. Like the other levels, there are options concerning out-of-network coverage and copayments versus coinsurance. It is important to note that some Bronze plans, like the rest of the plans in Maryland from Aetna, include a flat copay for emergency room services. This can help families budget for emergencies, which are not uncommon when one struggles with substance abuse. There are options, however, in the Bronze category that have zero emergency room payments after the deductible has been met. Those who have serious, long standing substance abuse problems and make multiple trips to the emergency room as they struggle to get well should note this option.

For patients preparing to enter treatment for a substance abuse problem, knowing what is covered can help them make better decisions and alleviate financial stress. Patients and families should always speak with an insurance representative when determining what is covered by their individual plan.

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