Finding a treatment provider that works with your insurance company can seem like a daunting task. When you’re choosing between substance abuse treatments, it is important to know the level of coverage given to you by your insurance provider.
Seeking a treatment program for your alcohol addiction or drug addiction shouldn’t be impossible. At Future Now Detox, we work with you to explain your drug and alcohol rehab coverage and find payment plans that work with your insurance providers.
Aetna was originally founded in 1853, and covers roughly 6,000 hospitals and around 700,000 doctors offices. In total, Aetna currently provides insurance to around 23 million individuals and their families. Aetna has a variety of offerings including regular health insurance plans, dental insurance, health savings account options, vision insurance, and preventative care services.
Based upon the state you live in and the plan you have, your time in treatment and out-of-pocket responsibility will vary. Additionally, depending on the level of insurance you have, your addiction treatment center may be authorized to have you stay for a certain number of days based upon factors like deductible, plan level, and in or out-of-network benefits.
Aetna health insurance has additional offerings for subscribers to use for substance abuse treatment and recovery. One of the available resources is the Aetna Continuing Care Program.
This program allows those recovering from drug and alcohol addiction to attend Aetna insurance sponsored support groups and social events in their area.
Addiction treatment can be intimidating, but your insurance policy shouldn’t be. Here are some of the key insurance policy terms you may need to know.
Deductible: This is the amount of money you will have to pay out of your own pocket each year before insurance begins to cover. Usually, these reset yearly.
Copayment: Your copay is often the set amount of money you will have to pay for a specific purpose.
Premium: This is the monthly cost of your insurance plan that you pay for.
Coinsurance: This is usually the percentage you’ll pay out of pocket compared to what insurance will cover.
Whether you are new to Aetna insurance coverage or have had Aetna insurance for years, here are some of the most common Aetna plans you’ll see, and how they may benefit your addiction treatment.
This Health Management Organization plan is the most cost-effective of the Aetna offerings. This plan only covers in-network providers and requires that all treatment referrals must be given through a covered primary care physician.
This plan may be best for those with little medical issues, as its offerings are much more limited. However, for those that need a cost-effective plan, this is the best option.
The Aetna Point of Service plan also requires referrals through primary care physician visits. The premiums will be higher than the HMO plan, but the benefit is that this plan will also cover some costs of out-of-network providers.
The Aetna Exclusive Provider Organization plan has a higher premium cost but lower deductible. This plan will still require referrals, but will give the user much more flexibility in treatment centers and locations. It will also cover some out-of-network costs as well.
The Preferred Provider Organization plan is pricier but it will give the subscriber much more flexibility in selecting treatment centers that meet their needs. This plan gives full flexibility for in and out-of-network providers.
If you are needing to see multiple doctors, have multiple specialists, or have additional medical conditions, this plan may be best for you.
Originally, insurance companies could charge additional premiums or deny coverage entirely if you had pre-existing or severe conditions. However, after the passing of the Affordable Care Act in 2014, insurance providers are no longer allowed to deny coverage or charge extra for pre-existing conditions.
Due to the extensive substance abuse and mental health services needed for addiction treatment, a health insurance provider is required to classify substance abuse as a pre-existing condition.
Generally, Aetna drug rehab coverage or alcohol rehab coverage will include some combination of the following treatment options:
Substance use disorders are not a choice, they are a disease. At Future Now Detox, mental health care and addiction services go hand in hand. We are here to help you recover from drug abuse or alcohol abuse in a way that best fits you. Give us a call so we can walk you through our services and help you achieve long-lasting recovery.
We understand the importance of accessibility and affordability, which is why we have partnered with several insurance companies to better service you. We accept most major insurance providers and private health insurance. Our team is available 24/7 to assist you in navigating your insurance coverage. If you don’t have insurance, we are here to help you understand the options available for you or a loved one.
Take the first step toward recovering from addiction by calling Future Now Detox at (866) 419-3899, or verify your insurance by clicking the button below.
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