Founded in 1853 out of Hartfield Connecticut, Aetna is a health insurance company that provides health insurance policies and benefits to over 22 million medical plan members, consisting of both individual people and companies. Aetna’s insurance plans not only covers a plethora of behavioral and mental health services but also focuses on helping their policyholders fight substance abuse. The company will provide health coverage for at least a part of the rehab expenses, if not all of them. However, your specific policy plan will determine that monetary figure. To discover what costs are covered, enter your information into our Insurance Verification program. Upon completion, one of our health care professionals will give you a ring and then help prepare you for what comes next.
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Aetna Alcohol and Drug Treatment Coverage
In the past, treatment plans for alcohol or drug abuse were limited to a referral for a month-long inpatient treatment program. Over the years, Aetna’s coverage has expanded to a wide range of affordable care treatment options. These include:
- Detox– Abuse of certain substances and/or alcohol can lead to physical dependence and withdrawal symptoms when the substance is no longer in a person’s system. Less severe cases can undergo detox in an outpatient medical care program. For more serious cases, however, an individual may need to be admitted into an inpatient detox program. Depending on the type of withdrawal, the detox process can be dangerous for users.
- Inpatient Rehabilitation– Longer-term chemical dependence programs offered in a drug and treatment facility. Patients receive 24/7 supervision that manages both their medical and psychological conditions. Post detox treatment focuses on helping patients understand their substance abuse issues and the underlying causes. It then provides them with tools to maintain their sobriety and elevate their behavioral health.
- Partial Hospital Treatment– Programs that give patients 4-8 hours of treatment a day, allowing them to sleep at home. A patient will also participate in group therapy when partaking in a partial hospital treatment. Such treatment allows the patient to focus on their recovery, but still acclimate to the real world by facing some potential stressors or triggers that they would not encounter during inpatient rehab.
- Intensive Outpatient Treatment– Programs that meet for hours at a time, 3 to 5 times a week. Patients get to maintain their work and home life but still receive intensive group and one-on-one support.
How Aetna Rehab Coverage Works
If you have a policy with Aetna that you want to use to cover the cost of rehab, this will be considered a behavior and mental health and wellness service. Such services require a doctor’s written authorization. To attain this consent, policyholders will have to meet with their primary care doctor and discuss the severity of the substance abuse issues. There, the primary care physician will determine whether rehab is of medical necessity for their patient’s long-term health. A person who suffers from any of the following issues will likely get partial—if not full—coverage. They include but are not limited to:
- Alcohol abuse
- Opiate abuse
- Benzodiazepine abuse
- Crystal Meth Abuse
Aetna’s goal is to help their client’s live healthier, more fulfilled lives. They understand that, for some individuals, this requires a stint at rehab. The potential costs of such a process should not be a deterrent to users, which is why Aetna wishes to financially assist their policyholders in this possibly life-saving treatment.