Rehab Centers That Accept Aetna Insurance In Washington

Rehab can feel like an intimidating prospect and many people are rightly concerned about the cost. Fortunately, insurance plans must provide patients with substance abuse treatment. This can help control costs, particularly when patients plan ahead by using their network providers. Here is what patients should know about coverage in Washington.

Substance Abuse Coverage From Aetna In Washington

Those who need rehab in Washington will have access to a few different employer-offered plans from Aetna. These plans are organized by how much patients can expect the insurance company to cover their health care expenses. Gold level plans, for example, cover 80 percent, while Silver plans cover 70 percent covered, and Bronze plans 60 percent. The higher the ranking of the plan, the more money patients will pay in premiums, with the benefit of lower deductibles, coinsurance, and copays.

There are several common threads that tie together Washington plans. None of the currently available plans require a referral and they all offer some degree of out-of-network coverage. Although this coverage does help to minimize some of the health care costs, it is important to note that coverage is significantly higher when you do find an in-network provider with whom you can work well.

For patients preparing to enter rehab, the ability to select one’s own rehab with fewer restrictions is valuable. There are multiple options and each have their own therapy and treatment philosophy. Patients, along with their loved ones, can now determine which facility and therapists best meet their needs and increase the chances of recovery.

Since there is no need for a referral, patients can also receive treatment faster. For many patients, a sudden event can inspire them to seek treatment. These people will receive either a copayment or coinsurance for their emergency services. Once a patient gets out of the hospital, however, they can then go right into treatment without extra steps.

Patients going through Aetna in Washington, will also likely be happy to hear they do cover some alternative treatments. While there are restrictions on the number of visits, patients will be able to seek treatment from an acupuncture professional or chiropractor. For patients interested in other types of treatment, it is work speaking with an insurance representative.

The plans also offer some special treatment options, such as a flat copay to see an in-network primary or specialist physician through an e-visit. This type of convenient treatment can make it easier for some patients to continue their therapy and treatment as they adjust to their life outside of rehab.

Gold Level Plans

The Gold Level Plans will cost you the most each month, but your actual treatment will cost you the least out-of-pocket. This means that the rate you pay for services, such as your prescription drugs, will be the lowest. This can be important for patients, as it is not uncommon for medication to be needed throughout treatment. It can help with co-occurring disorders, relieve the discomfort of detox, and even help patients maintain their sobriety.

Silver Level Plans

The Silver Level Plans offer you the chance to have an HSA plan. Qualifying Silver plans allow you to sign up for one of these tax-free health savings accounts. You can make contributions to your HSA to begin putting away money to cover a range of different medical expenses. For example, you can use the savings in your HSA to cover things like your deductible or copays, extra therapy after returning from rehab, or even holistic practices.

Bronze

The Bronze Level Plans also have a few qualifying options that will allow you to set up an HSA. You can use this money to make paying for your rehab treatment easier.

Entering rehab can sound intimidating financially, but it does not have to be. By carefully reviewing personal insurance information, patients can determine their coverage and make good decisions to minimize personal expense. For more information, please contact us at rehabcenter.net

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