Rehab Centers That Accept Aetna Insurance in North Carolina
People need to carefully consider their insurance coverage when making decisions about substance abuse treatment. In North Carolina, there are a wide variety of insurance providers and each has different guidelines about the types of care that will be covered and how they are paid. Without insurance, the cost of treatment for substance abuse disorders, including detox, inpatient, outpatient care, and follow up care can be intimidating. In North Carolina, Aetna is provides coverage for substance abuse disorders.
Aetna and Substance Abuse in North Carolina
Aetna offers North Carolina residents coverage in what is termed a Bronze plan. This plan covers about 60 percent of healthcare costs. You will not have to pay as much for your monthly dues, but you will have a higher deductible, co-payment, and coinsurance compared to platinum, gold, and silver level plans. Those preparing to enter substance abuse treatment should carefully consider their budget and how they would manage the financial requirements.
The 2015 Aetna Bronze Deductible Only HSA Eligible PD
Patients using this Aetna plan must pay a $6,300 deductible for an individual or a $12,600 per family. After the deductible is met, there is no need to pay a coinsurance rate. There is also an out-of-pocket maximum of $6,300 for an individual or $12,600 for a family.
Drug addiction specialists are often key to your recovery during this difficult process. These specialists can help with a number of the different aspects of treatment. They receive special training to help patients during processes like medically assisted detox, different types of therapies, and administering medications that patients need to progress.
Those struggling with substance abuse have a unique set of needs that are best addressed by those experienced in this area. Under this Aetna plan, non-specialists and specialists are covered in full after the deductible has been met. Patients also do not need a referral to see a specialist, which makes it easier to find the providers you need. Prescription drugs and hospitalizations are also covered in full after the deductible has been met.
Aetna has created easy online tools that can help you sort through the available providers in your area that work within the Aetna network. This can help you begin to narrow down your options as you begin to search for the best professional for your needs.
The plan also allows you to use out-of-network providers, although they are not covered as fully as in-network providers. In-network providers for inpatient and outpatient rehab require a 0 percent coinsurance. For those out of the network, there is a 30 percent coinsurance. It is also important to note that this plan does require pre-certification for out-of-network care for inpatient treatment. Without the pre-certification, coverage will be reduced.
The plan information does not detail the types of holistic and alternative types of care that are covered, so patients should speak with their insurance representative to make sure they are familiar with coverage options for their desired therapies.
Making the decision to enter rehab is a critical step in the process of health and recovery for those with substance abuse problems. The proper treatment can help patients not only rid their body of the harmful substances, but also provide them with the skills they need to improve their health and quality of life.