Rehab Centers That Accept Aetna Insurance In Mississippi
Substance abuse coverage from insurance companies can make an incredible difference in the finances and care of those struggling with this disease. Without insurance coverage, rehab costs can quickly become troublesome. It is not uncommon for patients to need multiple steps for their treatment. A detox process may be necessary to help patients rid their bodies of their substance of choice. Inpatient or outpatient rehab will then be need to provide patients with the therapy and support they need to begin to heal and find their way back towards health. For many patients, finishing rehab will not be the end. They will also need to continue their therapy and support through a program such as a halfway house or continued outpatient treatment.
Insurance companies can help lessen the financial burden on families from these treatments, but every plan will be different. Patients and their loved ones need to familiarize themselves with their personal coverage so they can make the best decisions for their care.
Aetna Substance Abuse Coverage in Mississippi
For patients in Mississippi, there are several options available for Aetna coverage. These plans are all considered either PPO plans or an Indemnity Plan. Since these plans follow a similar structure, there will be many overlaps in what they cover.
It is important to know that there is no lifetime maximum for mental health treatment on any plan. This is important because for many patients, it will take more than one try to successfully achieve and maintain sobriety. It is not common for patients to end up relapsing after they leave rehab. With the lack of a lifetime maximum, patients and their loved ones can rest assured that they can try rehab again and keep pursuing their goal of health.
For many patients preparing to enter rehab, visits to the emergency room are also common. Illicit substances are regularly responsible for devastating health problems and can even cause death. Those who find themselves being rushed to the emergency room will find that plans generally have a copay, although the Indemnity plan has a coinsurance cost. The copay, however, will be waived if the patient is admitted, but there is still a separate copay for inpatient hospital stays.
The structure of prescription benefits also remains consistent across the different plan options. There is a three-tier system for determining the cost of medications for in-network and a flat coinsurance rate for out-of-network. When you review your personal insurance information, you should find information that details where the different pharmaceuticals fall on the tiers. This system is significant because patients should be familiar with how much the medications that they might need for rehab cost. Many patients end up needing medications during or after treatment to cope with the physical and psychological sides of substance abuse recovery. Patients can then work with their providers to minimize their out-of-pocket expenses.
PPO Plan A
This plan covers up to 90 percent of your in-network costs and up to 70 percent of your out-of-network costs. You should expect a plan with this high of coverage to have a high premium as well.
PPO Plan B
This plan will cover an estimated 80 percent of your in-network benefits and 60 percent of your out-of-network benefits. The deductibles and coinsurance rates, when needed, are also generally higher than the the A plan.
PPO Plan C
This plan also includes 80 percent of your in-network benefits and 60 percent of your out-of-network costs. While the coinsurance rates remain largely consistent with the B plan, many of the copays will slightly increase with this coverage option.
Indemnity Plan A
The indemnity plan covers 80 percent of your i-network benefits but does not include out-of-network coverage. Although this does limit your options when it comes to selecting the right provider for your treatment, it can also help you save money in some ways. Your copay for an inpatient hospital stay, for example, is significantly lower than Plan B or C. You also have a much lower deductible. It is important to note that this plan uses coinsurance for many of the health care needs rather than copays.
Substance abuse coverage from insurance companies can help patients find the treatment they need without being financially overwhelmed. Those who need this type of treatment should review their personal insurance plan and speak with a representative so they can move forward with confidence.