Rehab Centers That Accept Aetna Insurance in West Virginia
Rehab is an important step in the recovery process for those struggling with substance abuse disorders. Rehab can take many forms depending upon the needs of the patients. For example, patients who have an outstanding support system at home might do very well in an outpatient treatment center followed by weekly 12 step meetings. On the other hand, a patient who has a longstanding disease might require a medically-assisted detox followed by a long term inpatient stay and then a halfway house. Patients have a variety of different factors that must be taken into account when determining treatment, including support, severity of the substance abuse problem and personality.
There are a variety of different types of treatments and therapies available, from more traditional CBT to newer alternative and holistic methods. Patients also need to determine if they will need a short stay or a long term stay. As patients and their loved ones review their options, they often want to know how the care will be financed.
Under the Affordable Care Act, all insurance companies are required to provide patients with coverage for mental health and substance abuse treatment. All coverage is not the same, however. Some plans might provide coverage with a small copay, others might require a significant out-of-pocket charge. Patients and their loved ones should review their own plans to see how much personal financing will be needed so they can budget for treatment and enter recovery with minimal financial stress.
Aetna Substance Abuse Coverage in West Virginia
Patients facing struggles with substance abuse disorders in West Virginia can use their coverage through Aetna to help them pursue treatment. There is currently a Bronze plan available, one that should expect to cover about 60 percent of their healthcare costs. Bronze plans have lower premiums, but higher deductibles, coinsurance, and copayment rates than Platinum, Gold, or Silver plans.
Since this plan does have a high deductible, you may be able to pair with a health savings account, which allows you to save money in a tax-free account that you can then use to pay off qualifying health expenses- such as your deductible. When you know that you or a loved one will be needing therapy and rehab treatment, you can use this account to budget for any expenses to help avoid financial strain and stress.
With this plan, you will not receive coverage if you use a provider outside of the Aetna network. This means to avoid unnecessary financial burdens, it will likely be best to find therapists and other practitioners who are in your network. Aetna provides you with a variety of tools to help you find providers who are in-network to meet your needs.
You do not need a referral to see a specialist. This can help you see the practitioners you need faster, reducing the steps until you receive treatment. Specialists are often important in rehab and substance abuse treatment. Patients with these struggles generally respond better when working with experienced practitioners who are familiar with the journey that these patients must take.
Many patients like holistic and alternative therapies, but it should be noted that their coverage can be complicated. The plans offered from Aetna generally does not cover experimental procedures, nor do they cover some types of alternate therapy, such as acupuncture. They are willing to cover occasional chiropractic care..
When you find an in-network inpatient or outpatient treatment center that you like, then the treatment is covered with 0 percent coinsurance. This can help patients and their loved ones budget appropriately.
As patients prepare to enter rehab, they will often look at their many options to try and determine which one will fit them best. When they understand what their coverage allows, they will also be in a much better position to select treatments that will be affordable for them. Need help? Please contact us at rehabcenter.net to learn more.