Alcohol and Drug Rehab That Accepts Aetna Insurance
Verify Your Benefits by Phone
Under the Affordable Care Act, most insurance plans must cover 10 essential health benefits. One of those benefits is treatment for substance use disorders and other behavioral health services. If you have an ACA-compliant health plan, you can use your benefits to access treatment for drug or alcohol addiction, leading to better health.
To make treatment more accessible, Safe Haven Recovery works with many commercial health insurance providers, including Aetna. As part of the CVS Health family, Aetna offers health insurance, wellness programs and other products designed to help members take control of their health.
Aetna started as a fire insurance company, but the business grew quickly, prompting the founders to create Aetna Life Insurance Company. Eventually, Aetna started selling health insurance, setting the stage for CVS Health to acquire the company in 2018.
Today, Aetna Health Insurance offers several types of health insurance plans, including Medicare Advantage, Medicare Part D, employer-sponsored health plans, and ACA-compliant individual/family plans.
Does Aetna Insurance Cover Addiction Treatment?
Aetna covers several types of addiction treatment. However, each Aetna plan is slightly different, so checking your policy details is important. Aetna often covers the following services:
- Medical detoxification
- Inpatient rehab
- Intensive outpatient, partial hospitalization, and other outpatient programs
- Medication-assisted treatment
- Therapy and counseling services
This place is awesome! Great techs, great therapists, great clients, great owners, and a great chef! It went beyond my expectations, and this was my first time in rehab. Safe Haven is highly recommended by me.
- Donna M.
Understanding Your Aetna Plan
Aetna offers several types of health insurance.
- HMO. A health maintenance organization, better known as an HMO, is a network of providers who agree to deliver services at a discounted rate. If you have an Aetna HMO plan, you generally have to get care from providers in your network. It’s also common for an HMO to require referrals from your primary care provider if you want to see a specialist.
- PPO. PPO stands for preferred provider organization. If you have this type of health insurance, you can see a specialist without getting a referral from your PCP. Your PPO health plan may also cover some of the cost of seeing an out-of-network provider. PPOs offer more coverage than HMOs, so they tend to have higher premiums.
- EPO. An exclusive provider organization gives you access to a larger network than an HMO. Some EPO plans require referrals for specialists, but others don’t. Like HMOs, EPOs generally don’t cover health services delivered by out-of-network providers.
Aetna insurance covers a wide range of addiction treatment services, but many plans have cost-sharing requirements. Cost-sharing is when you pay a portion of the bill out of your own pocket. When you get care from providers in the Aetna network, you may have to meet your deductible or pay a co-pay for each service.
Deductibles and Co-Pays
Your deductible is the amount of money you must pay before your health plan starts to cover the cost of your treatment. A co-pay, or co-payment, is a flat fee you must pay for each covered service. It’s common for Aetna and other insurers to require co-pays for office visits and prescription medications.
Out-of-Pocket Maximums
Although your plan may have some cost-sharing requirements, it also has an annual out-of-pocket maximum. This is the maximum amount of money you’ll need to spend per year to get addiction treatment and other types of health care. For example, if you have an out-of-pocket maximum of $3,000, you won’t spend more than $3,000 in any given year.
Coverage Limits
It’s also important to familiarize yourself with any coverage limits imposed by your Aetna insurance plan. Under the Affordable Care Act, compliant plans can’t have annual or lifetime spending limits for essential medical services. However, they can have annual or lifetime dollar limits on nonessential services.
Aetna-Covered Addiction Services at Safe Haven Recovery
Safe Haven Recovery works with Aetna and its affiliated companies to provide the following addiction treatment services:
In-Network vs Out-of-Network Coverage
If Safe Haven Recovery is part of your Aetna network, you’ll pay less for addiction treatment than you would if you chose an out-of-network provider. This is because in-network providers agree to offer services at a contracted rate. Out-of-network providers don’t accept the same rates, so it costs more to use an out-of-network provider for the same services.
Understanding each provider’s network status is critical for minimizing out-of-pocket costs. If you’re not sure what your plan covers, contact Aetna by telephone. Make sure your member ID is available when you call. You can also check your plan documents for information on in-network vs. out-of-network coverage.
Preauthorization and Medical Necessity
Preauthorization, or prior authorization, helps Aetna determine if services are medically necessary. A service is a medical necessity if it diagnoses, treats, or relieves the symptoms of a disease or health condition.
Safe Haven Recovery helps with preauthorization by submitting a precertification request via telephone, provider website, or electronic data interchange. We’ll also submit medical documentation to support your need for addiction treatment.
Aetna employees review this documentation and use it to determine coverage. Completing the preauthorization process helps us determine if your Aetna plan will cover your stay, making treatment more accessible without increasing out-of-pocket costs.
Verify Your Insurance
Please complete the following information for the person seeking treatment. One of our dedicated team members will contact you immediately to go over your coverage, treatment options and information on admissions.
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Aetna Policy Limitations and Exclusions
Although Aetna covers addiction treatment, the company offers a variety of plans, some of which have a higher level of coverage. It’s important to understand your plan’s limitations and exclusions before you use your benefits.
One common limitation is the number of days of treatment covered. Your plan may cover as little as 30 or as many as 90 days. Many plans also have session caps, or limits on the number of treatment sessions covered each year.
Some plans even have step-down requirements, which make you transition to a different level of care once your condition improves. For example, you may have to step down to outpatient treatment after completing 30 days of inpatient rehab.
Our admissions team has experience working with all types of Aetna insurance coverage, so feel free to contact us if you need help understanding your policy’s limitations and exclusions.
How to Verify Your Aetna Coverage With Safe Haven Recovery
At Safe Haven Recovery, we make insurance verification simple. All you have to do is call us or fill out the verification form on our website. You’ll need to provide your date of birth and Aetna member ID number. One of our team members will contact Aetna, verify your benefits, and let you know exactly what’s covered.
The verification process is completely confidential, and you’re under no obligation to enroll once we verify your benefits.
Why Choose Safe Haven Recovery?
Safe Haven Recovery provides compassionate, evidence-based care for substance use disorders. Our licensed clinicians and support staff are available to address your physical and psychological needs through every step of your recovery. Our individualized treatment plans also include ongoing aftercare and family support, improving your chances of a lasting recovery.
Get Started With Addiction Treatment at Safe Haven Recovery
Safe Haven Recovery’s compassionate clinicians, helpful support staff, and other resources can assist you in recovering from your addiction. Contact us today to verify your insurance benefits and find out how we can help you improve your physical and mental health.
