Rehab Centers That Accept Aetna Insurance in North Dakota
Treating an addiction requires the right combination of tools, professional services and insurance coverage. In North Dakota, Aetna insurance offers group policies and Aetna Health Fund value plan policies that help address health concerns and addiction. The treatment options for substance abuse or mental health disorders in Aetna depends on the policy and personal needs.
Available Aetna Policies In North Dakota
In North Dakota, the Health Value policy is a consumer-driven option that provides basic coverage for most healthcare needs and concerns. It complies with the standards of the Affordable Care Act and ensures that individuals have minimum coverage throughout the state.
As an affordable policy, the Health Fund, or Health Value, policy from Aetna sets limitations on coverage. Generally, about 60 percent of treatment costs are covered for most healthcare concerns. Dependent family members, such as a spouse or children, are also covered under the Self and Family policy.
Aetna policies offer some coverage to address mental health disorders and substance abuse. Some policies require a co-payment, rather than a percentage of the costs, due to the type of treatment. For example, outpatient treatment programs usually require a co-payment rather than a co-insurance rate.
Group policies, or employer-provided policies, in North Dakota depend on the employer and the details of the plan. The One-to-One policies from Aetna allow small businesses to provide health coverage to employees and offers a health savings account to help with the costs of treatment. Although the out-of-pocket costs are usually higher than average, the premiums in a One-to-One policy are usually lower and the policies offer coverage for preventative care. It also helps individuals manage the costs of treatment through online tools and payment strategies.
Some policies will not pay for any out-of-network treatments or provide limited coverage for the out-of-state treatment. Other policies offer more flexibility and provide treatment options in different states. In most cases, the policy will pay for some basic treatment needs, such as emergency detoxification services or emergency rehabilitation services, when an individual is visiting the state.
Watching For Limitations
In North Dakota, Aetna policy limitations usually apply to the amount of coverage and out-of-pocket costs. A simple policy from Aetna only covers a percentage of the treatments, such as 60 percent. Some policies from Aetna cover out-patient treatment and residential care, but the policies usually set a limited number of days for treatment or a limited number of sessions in an outpatient program.
Treating Addiction With Aetna
When an Aetna policy allows individuals to seek treatment in an out-of-network program or a residential care facility, individuals can focus on their recovery goals rather than the financial aspects of the treatment process. Expect some variation in the policies and treatment options. Avoid any programs that treat addiction with excluded treatment options to ensure that the coverage applies.
Generally, a policy will cover evidence-based treatments, like cognitive therapy and behavior modification, as well as counseling programs and outpatient treatment plans. Treatments like art therapy or acupuncture are not always covered by an Aetna policy.
Aetna policies in North Dakota allow individuals to seek treatment for addiction or a mental health disorder. Depending on the details of the policy and the employer, the treatment options and the actual cost of recovery varies.