Does Health Insurance Cover All of My Costs at Rehab?
In some cases, your insurance policy could cover you for the entire cost of drug rehab or alcohol treatment as part of your drug rehab coverage; in other cases, you may need to pay for a portion of your care. It all depends on the insurance policy you have in place, as well as several other factors. Below are some of the most notable factors to take into consideration when an insurance company decides what proportion of your alcohol rehab or addiction treatment it can cover.
Would Treatment Be Considered a Medical Necessity?
While the ACA deems that mental health conditions such as substance abuse disorders must be covered to some extent by insurance, the company can decide precisely what is included based on the severity of your condition. For example, if you’re opioid, alcohol, or benzodiazepine dependent, detoxification is likely to be covered by insurance. Aetna will deem any aspect of your care that you couldn’t recover without to be necessary.
This means certain aspects of rehab such as complementary therapy, individual accommodation, and extended stays may not be paid for by your insurance provider or part of your insurance coverage.
Is This an Empirically Validated Treatment?
Psychotherapy and counseling methods that have sufficient documentation to back up their effectiveness are usually included by your policy. However, many drug rehab facilities understand the importance of using complementary therapies such as art and music therapy, exercise classes, and nutrition courses. They help you to relax, bond with your peers and care providers, and put you in a mindset conducive to receiving treatment options from drug rehab centers for drug treatment. Insurance may not cover the costs of these services.
Being in or out of Network
Aetna’s coverage extends to 1.2 million health care providers in different treatment centers. Although not of their plans actually require your chosen rehab to be in-network, and out-of-network programs may cost more. Aetna carefully screens in-network programs to ensure their practices are up to date and the care they provide is of high quality in each treatment facility.