Does Aetna Cover Rehab?
Aetna rehab insurance provides addiction treatment coverage in all 50 states. Learn how to use your Aetna plan here.
Takeaways from this article:
Does Aetna cover drug rehab?
What are the types of Aetna rehab coverage?
How do I check my Aetna rehab insurance coverage?
Aetna is a nationwide insurance provider offering plans that coverage for detox, rehab, and other forms of addiction treatment. The Affordable Care Act that was passed in 2010 requires most insurance plans to include alcohol and drug rehab coverage as an essential benefit.7
The details of Aetna rehab coverage vary by plan. However, you can expect Aetna therapy coverage to include approved Aetna alcohol rehab centers or detox programs for opioids. Opioid treatment may also include medication such as Suboxone that can help reduce the cravings for illicit drugs.8
How to Use Aetna Rehab Coverage
To enter a specific addiction treatment program, you may need a referral from your primary doctor. They may give you some medication to help with withdrawal symptoms before you enter the drug rehab program. Once you are in the rehab process, you’ll have a monitored detox to ensure that the drugs leave your system safely.
Aetna understands that sometimes multiple attempts at rehab may take place before someone is able to achieve sobriety. As a result, your treatment plan will be a combination of a rehab center’s recommendation and what rehab coverage is provided through your Aetna insurance plan.
How to Check Your Aetna Rehab Coverage
To know for sure whether or not your Aetna insurance plan covers substance abuse rehab, it’s important to verify your coverage. You can use access details about your Aetna rehab coverage by logging on to Aetna’s member care website.6 Once you register your account, you can search the Aetna rehab provider network to see what professionals are part of your insurance plan. You can also get coverage information, find out how much the copayment and deductible will be for your specific treatment, and more.
Additionally, many treatment providers, like American Addiction Centers, allow you to verify your exact Aetna rehab coverage details.
Types of Aetna Rehab Coverage
Aetna provides healthcare coverage for 39 million people in the United States. Aetna offers a variety of health insurance plans, Medicaid and Medicare coverage, and behavioral and medical management programs.1, 2
Aetna’s offerings include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Point of Service Plans (POS), and Exclusive Provider Organizations (EPOs).
HMOs and PPOs are the most common. An HMO allows you to save money on premiums and deductibles by staying in Aetna’s insurance network and getting referrals from your primary care provider for specialized care. A PPO is more expensive, but you can see specialists and out-of-network rehab providers without a referral. Copayments and coinsurance for in-network rehab providers are still low, but you’ll pay more if you go outside the Aetna rehab provider network.
POS plans offer the advantages of an HMO but also provide access to providers outside the Aetna rehab provider network. However, Aetna policyholders with a POS plan will require a referral from their primary care provider in order to receive care outside the Aetna rehab provider network. An EPO allows only in-network care, but the network is larger than usual. In terms of costs, the premium for an EPO is more than an HMO but less than a PPO.
Aetna, Medicare, & Medicaid
Aetna also works with federal insurance programs like Medicaid & Medicare to supplement rehab expenses just as they do other healthcare costs.
Aetna Medicare Advantage plans, which supplement your Medicare Part A and B with additional coverage and, many times, lower deductibles and copayments.4 Medicare Advantage plans are HMOs, HMO-POS plans, or PPOs which can be used for alcohol & drug rehab coverage.
Finally, Aetna provides Medicaid plans in 17 states.5 From California to New York, you might be able to access low-cost coverage through this insurer. The specific coverage you’ll receive will vary depending on which state you live in.
How to Find Rehabs that Accept Aetna Coverage
If you are looking for rehab centers covered by Aetna, you can always call Aetna to verify coverage or by calling the American Addiction Centers detox helpline. Our rehab admissions team can review your plan and help you connect with rehabs that our centers accepting aetna.
American Addiction Centers has also authored guides for all 50 states about how to select a treatment provider. For a full breakdown of how to find rehabs that accept Aetna in your state, select your state below.
Verify Your Coverage at American Addiction Centers
- Aetna. (2020). Company history.
- Aetna. (2020). Aetna facts.
- Aetna. (2020). HMO, POS, PPO, EPO and HDHP with HSA: What’s the difference?
- Aetna. (2020). Medicare Advantage Plans.
- Aetna Better Health. (2020). Medicaid plans.
- Aetna. (2020). Member website information.
- Healthcare.gov Mental health & substance abuse coverage.
- Aetna. (2020). Opioid treatment options.
- Aetna. (2020). Opioid video key takeaways.