(Disclaimer: Please keep in mind that InpatientRehabCenters.net aims to provide you with the most accurate and up-to-date information on each insurance carrier and their coverage for addiction treatment and rehab insurance benefits but policy changes and differences between insurance policies can change. It’s important to check with our helpline representatives by calling 1-800-552-0697 to determine what coverage level your Aetna insurance will provide for drug or alcohol rehab prior to committing to any program)
Likely your first step in the recovery process, if you’ve only recently decided to quit, will be detox. Drug or alcohol detox can be both painful, challenging and even dangerous in some situations. Aetna insurance covers many forms of detox to help you curb the process of withdrawal from drugs or alcohol in a safe, clean environment. Most medically necessary treatments are covered by Aetna insurance so getting help for an addiction to drugs or alcohol IS possible with this coverage, but you won’t be able to take part in programs such as rapid detox or other experimental procedures without paying out-of-pocket for the cost of these treatments which Aetna deems NOT to be medically necessary.
Does Aetna Cover Rehab?
Aetna was an “early adopter” to the need to provide greater efforts in regards to covering treatment of addiction to many types of prescription medications including dangerous opioids such as Oxycontin or Oxycodoone. Aetna insurance does cover rehab and depending on your specific policy you can get up to 80% or more coverage for treatment of drug or alcohol addiction in an in-network inpatient rehab center. According to SAMHSA, Aetna insurance plans allow patients to seek treatment for most opioid drugs in one of five treatment centers throughout the country. Your plan may include coverage for a wider list of centers in Texas, California, Florida, or other areas of the country.
If you have questions about Aetna insurance and what YOUR policy specifically will cover, call our helpline anytime for assistance. A representative can help you understand your policy further and will find an inpatient rehab center that accepts your insurance. All you have to do is call 1-800-552-0697 to have your insurance benefits checked and get answers to any questions you may have about the rehabilitation and recovery from addiction to drugs or alcohol.
How Long will Aetna Cover Inpatient Addiction Treatment?
Aetna insurance coverage varies from policy to policy, so it’s important to call for a full, free, insurance benefits check in order to determine exactly what type of coverage you can expect your plan to provide. Aetna offers around-the-clock member support to help you find a rehab center that’s in-network, and our helpline is equally available to assist you in understanding your coverage and in finding an inpatient rehab center that’s right for you or a loved one. Remember, when you call, it’s completely confidential.
Most Aetna drug and alcohol rehab coverage provides for a mixture of private therapy and group support. Depending on the severity of your current addiction, your health, and what Aetna deems medically necessary to YOUR unique situation, you may spend up to 90 days in an inpatient rehab program. Generally though, Aetna insurance for addiction treatment provides a base of drug or alcohol detox up to 14 days, followed by up to 28 days in a residential rehab setting.
Regardless of the overall length of your stay in a rehab center, you’ll feel so much better once you start getting the help you need to overcome addiction and put this phase of your life behind you. Don’t be afraid to call 1-800-552-0697 for immediate help.
Are Specialty Programs and Luxury Rehabs Covered by Aetna?
Aetna is one of many private insurance companies that DO offer coverage for specialty drug and alcohol rehab programs including luxury care. Again, this all depends on your insurance policy but Aetna insurance for addiction treatment commonly covers unique pilot programs that offer the latest advances in treatment at top inpatient rehab centers throughout the country. Many are surprised to find that they can get help for an addiction at a facility that provides amenities that make the process feel more like a vacation than a medically necessary healing process.
Some things that could be provided if your Aetna treatment insurance covers these specialty programs include:
- Swimming pools
- Hot tubs
- Fine dining
- Private accommodations
- Specialty therapies including massage and acupuncture
Inpatient vs. Outpatient Rehab Using Aetna Insurance Coverage
At first thought, most consider the treatment of an outpatient rehab center the “best choice” not considering their actual “needs” but instead considering their “wants.” Aetna will cover therapy in both a residential rehab center AND in an outpatient rehab center. Both will help you to recovery from an addiction to drugs or alcohol, but it’s often best to choose inpatient rehab first to ensure that you get away from the potentially dangerous situation at home which has allowed you to lead a life of addiction before you try to stay sober on your own.
It may take a doctor deeming a medically necessary stay in inpatient rehab in order for Aetna rehab insurance to cover the cost of care in a residential program, but this is generally the best choice for early recovery. Inpatient rehab provides you with a foundation upon which you can grow and learn how to cope with your addiction WITHOUT the use of drugs or alcohol that could otherwise lead to relapse. You may feel a bit uncomfortable at first, living away from home and not having the standard schedule or just freedom to come and go as you please, but it’s these small changes that can help you walk the recovery walk one step, one small achievement at a time.
Outpatient rehab allows you to continue your recovery efforts but in a much more laid back environment as you are not required to live in a residential, hospital-like setting. Likewise, outpatient rehab leaves you with a lot of time to focus on recovery on your own. If you’re not strong enough, and you can’t cope with your emotions and other struggles without turning to drugs or alcohol, this type of treatment is not yet ideal for you.
You MUST have a strong support network, and a basis of recovery and healing already started in order for outpatient rehab to be most effective. Your doctor, therapist, or a treatment representative at our helpline at 1-800-552-0697 can help you to determine what is best for you and what your Aetna insurance plan will cover to help you get started in a drug or alcohol rehab center that’s right for you.
Paying for Services that Insurance Will Not Cover
Once you decide to enter rehab for an addiction, you’ll have to consider additional costs that are outside the realm of insurance coverage. Much like your individual healthcare has outside costs such as medication copays or additional costs associated with dietary changes or similar situations, when you enter rehab there’s a chance that you’ll have additional services or costs associated with treatment that are NOT 100% covered by your Aetna drug rehab insurance.
If you find that your insurance does NOT cover a particular treatment, or a particular element of treatment, you can consider these options to help pay for those costs:
- Healthcare savings plans.
- Savings or borrowing from friends or family.
- Sliding fee programs that offer additional services at lower rates based on your ability to pay for care.
- Payment plans offered by the rehab center.
- Financing through the rehab center, healthcare financing, or your own personal credit cards.
It’s important that you don’t let fear of cost drive you away from seeking help. If you or a loved one is addicted to drugs or alcohol, call 1-800-552-0697 and we will help you find a rehab center that accepts Aetna insurance coverage and will provide you the best treatment option with your policy coverage. Even if you don’t have insurance there are inpatient rehab centers that can provide treatment for you in a caring, compassionate environment.
Aetna Insurance Verification
Often times, Aetna insurance coverage will not ONLY cover the individual policy holder, but the spouse, children and adult children of the policy holder. If you’re not sure whether your loved one is covered by your plan, call our helpline for a free insurance benefits check. If you find that the policy does NOT cover your loved one, don’t fret—there’s always a way to get help.
Our trained treatment specialists can advise you in what Aetna drug and alcohol rehab coverage will help you to pay for and what expenses will be left over when you’re ready to enter treatment. Whether you’re having insurance verification done for yourself or someone you love, all it takes is about ten minutes on the phone to determine what coverages you have, and what the next steps are in the recovery process.
After verifying your insurance, we will help you find an Aetna in-network rehab center that’s right for your unique situation. Don’t delay getting help for addiction—you wouldn’t delay getting help if you broke a leg or had a heart attack, and you likewise shouldn’t delay getting help for this medically necessary situation either.
Finding the Best Inpatient Rehab that Accepts Aetna
Finding the best inpatient rehab that will actually accept your insurance coverage through Aetna can be challenging to do on your own—but with professional help it literally takes a ten minute phone call. If you have questions about your policy, or you’re ready to get into treatment today, call 1-800-552-0697 and let us do the rest. Your new life begins when you call for support from our caring, compassionate team.