Rehab Centers That Accept Aetna Insurance In Minnesota
Those struggling with substance abuse have many challenges in their path. To achieve sobriety and get started on the journey towards health, patients often need highly-qualified treatment that can help them not only rid their bodies of the substances, but also learn a healthier outlook on life. Therapy, such as CBT, is often needed to help patients understand the reasons why they developed the substance abuse problem and how they can avoid relapsing in the future. For many patients, holistic and alternative therapies that focus on healing the entire patient can also be very helpful.
For many patients, however, this path towards recovery is a long one. Those who find themselves with a strong physical addiction may need to go through detox before they can begin the rest of their treatment. Once patients have completed their standard rehab, regardless of whether it was long-term or short-term care, some form of aftercare will also be important. Aftercare can help provide patients with the support they need as they reenter society and have to face the same stressors and situations that led to their usage of the substances.
Given the nature of substance abuse recovery, one chief considerations of patients and their loved ones is the cost. When one considers the duration of treatment, it is understandable that the financial concerns can be very stressful. Since the passage of the Affordable Care Act, all qualifying insurance plans must include coverage for mental health and substance abuse disorders. The coverage offered by each plan, however, can differ greatly. This coverage, and the amount that patients will have to pay out-of-pocket, will vary, even among plans issued by the same company depending upon how the plan has been structured.
In Minnesota, Aetna offers plans to patients who work for small businesses. Here is what all patients should know about coverage through Aetna in the state.
Aetna Substance Abuse Coverage in Minnesota
The main plan offered to patients in Minnesota is the Aetna HealthFund One-to-One for small businesses. This plan can be paired with a health reimbursement arrangement or a health savings fund, which can be used to pay off deductibles. Most plans that are used with these savings accounts have high deductibles but low premiums. Upon admission to a rehab facility, you may have to pay a co-payment as well. Budgeting well in the savings account can help you prepare for these costs. These types of arrangements can also be helpful to you as you budget for other rehab related costs, including holistic therapy and aftercare. You are allowed to use these funds to save for future medical expenses, empowering you to plan ahead for treatment as well. There are a variety of different structures for these account, which will vary based upon the employer’s decision.
This plan allows employers to select from a number of different insurance plans. Some of these plans will allow you to use out-of-network providers while others will not. If you have a plan that does not allow you to use out-of-network providers, you will have to select professionals that are included in the network, which may help you make a decision.
Some Aetna plans also allow for you to receive care through experimental treatments in specific circumstances and some forms of alternate therapies, which means that you can contact your representative to see what is covered under your plan.
Other aspects of treatment, such as prescription drugs, will also be covered. These medications can help patients through the detox process or help them maintain sobriety. Most plans will including a pricing plan for the different drugs offered, so you can see the rate at which your rehab medications will be covered.
For patients struggling with substance abuse issues in Minnesota, understanding what their insurance plan offers can help them wisely choose the best care. Those with Aetna should carefully investigate what their own coverage allows and how costs are structured. This can offer key insights about what providers and types of therapy will be covered. Armed with this information, patients can then select the treatment that best aligns with their needs and their plans. This will help them avoid unnecessary out-of-pocket costs, alleviating much of the financial stress and burden. Patients should always speak with insurance representative before making medical decisions.
