Does Aetna Coverage Take Care of All of My Costs?
In some cases, your Aetna drug rehab policy may cover you for the entire cost of drug or alcohol treatment; 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 Aetna alcohol rehab 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 treatment such as complementary therapy, individual accommodation, and extended stays may not be paid for by your insurance provider or part of your Aetna rehab coverage.
Is This an Empirically Validated Treatment?
Psychotherapy and counseling methods that have sufficient documentation to back up their effectiveness are usually included in 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.
Begin with Aetna Rehab Coverage In or Out-of-Network
Aetna’s coverage extends to 1.2 million healthcare providers in different treatment centers. Although none of their plans require your chosen rehab to be in-network, an out-of-network program may cost more. Aetna health insurance plan 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.
Changing Tides is a rehab that is in-network with Aetna.
Meeting Your Deductible
Of course, for you to have access to Aetna drug and alcohol rehab insurance coverage, you need to qualify for them by meeting your deductible with qualifying healthcare expenses. By law, your company only has a single deductible that is inclusive of all treatment, including care for drug abuse and alcohol addiction.