Does Aetna Insurance Cover Drug Rehab?
Aetna Drug & Alcohol Coverage
The top issue that prevents people who suffer from substance abuse disorders is the cost of seeking treatment. Individuals and their loved ones are intimidated from detox and inpatient care because they worry that the price is out of reach. The cost of sobriety, though, is far less in the long run than addiction. Also, insurance can defray, and in some cases even completely cover, the cost considerably.
You may be wondering if Aetna Insurance covers drug rehab? And if so, how much of your treatment can be covered by insurance? You may be wondering if insurance will cover it at all.
You may not have even considered using insurance to afford rehab. Every insurance company is different. Insurance through Cigna, for example, is different coverage than Aetna. Even within the same insurance company, how much your provider will cover depends on your plan and the services that you require.
Health Insurance Goes Beyond Physical Ailments
Aetna insurance has been making health care affordable for many Americans for the past 166 years. Founded in 1953, Aetna serves 22.1 million medical members. In addition, their care network includes 1.2 million health care professionals to provide you the help that you need when you need it. It provides a wide range of mental and behavioral health services.
Some of the options they provide for policyholders include:
- Inpatient and Residential Rehabilitation
- Intensive Outpatient Treatment
Aetna also covers a wide range of treatment options beyond initial detox and rehabilitation that are offered as Forward Health Ohio. At Forward Health Ohio, we offer a number of individualized services for those suffering from the devastating effects of alcoholism and drug addiction including Dialectical Behavioral Therapy, Cognitive Behavioral Therapy, among others. Our world-class staff understands the complex nature of addiction and our overarching services include:
- Specialized addiction treatment
- Medically-supervised detox
- Dual diagnosis treatment options
- Outpatient rehab
- Inpatient or residential rehab
- Drug and alcohol detox programs
Does Aetna Cover Drug Rehabilitation Centers?
Most people wouldn’t think twice about their insurance covering at least part of the cost of their hospital visit. However, many don’t consider insurance as an option when it comes to looking after their mental and behavioral wellness. Aetna insurance, however, understands mental and behavioral wellness is a key factor in physical wellness.
If you’re wondering if this insurance covers drug rehab, it may be hard to know where to turn to find answers. The short answer is yes, Aetna does offer coverage for drug rehabilitation. Aetna partners with CRC Health Group to provide treatment for opioid and alcohol addiction. However, exactly how much Aetna covers depends largely on your specific plan.
Your level of coverage depends on a variety of factors. Your particular needs, such as whether you require inpatient or outpatient services and the length of your stay, will affect the price of your treatment and how much Aetna will cover.
The road to alcohol addiction treatment is not always the same as drug treatment. It may take a while before you or your loved one realize that alcohol has crossed over into becoming a real problem. You may even wonder if your drinking is enough of a reason to be covered by insurance. It may be a relief to know that Aetna covers services for alcohol addiction as well as drug addiction. If you want to quit drinking and find that you need help, you shouldn’t have to worry about whether your insurance will agree with you.
Aetna will cover a wide range of services to help you on your journey to sobriety. However, what services Aetna covers specifically depends on your plan and needs. You can contact Aetna customer support to get the answers on your specific policy.
Also, feel free to contact our advisors to get help if navigating insurance feels too overwhelming.
Aetna Mental Health Services
Addiction rarely happens by itself. Often, addiction occurs as a coping mechanism for other mental health disorders. To stay sober, then, you need to treat the underlying issues that contributed to your addiction. When you receive treatment for your drug or alcohol addiction, you may need to obtain additional help for other mental health conditions.
You may wonder, then, whether Aetna covers mental health disorders. The great news is that it does. Aetna understands that mental wellness is foundational for physical wellness. It views services related to the mind as essential for overall health as much as physical check-ups. Aetna’s use of data combines mental health care with your physical services. This united data means that your care is seamless. Your doctors and practitioners can get all the information that they need to make sure that your care is relevant for all your needs, from a physical and mental standpoint.
However, precisely what is covered varies widely depending on your plan. Our experts can help you understand your mental health benefits. Contact our customer service today to get the assistance you need to understand and use your mental health benefits.
Aetna Behavioral Health Services
In addition to mental health services, Aetna covers a range of behavioral health and rehab treatment programs. Pre-authorization is required for many of the services included. To get the pre-authorization for coverage, contact Aetna Member Services or their Behavioral Health line. You can also contact them online with their behavioral health provider search. Typically, pre-authorization is not required for outpatient behavioral health services. In most cases, a referral from your primary physician is necessary for coverage. However, it depends on your specific plan, and some sponsors require pre-authorization for all services. Services that require pre-authorization include:
- Inpatient admissions
- Outpatient detoxification
- Psychiatric home care services
- Psychological and neuropsychological testing
To see what if pre-authorization is required for your care, you can contact Aetna customer service or one of our experts to help you navigate their services.