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Choosing to get treatment for substance abuse is a significant act of courage. However, you may wonder: Does insurance cover drug rehab? The good news is that many insurance companies offer at least some drug and alcohol addiction treatment coverage. It’s important to learn about the plan you are enrolled in, what’s covered, and what copayments or deductibles may apply. Aetna Insurance mental health coverage is available. Let’s take a look at the healthcare benefits you may be entitled to as you begin your journey to recovery.
How Do I Check My Aetna Substance Abuse Treatment Insurance?
The best way to learn about your specific Aetna insurance therapy coverage is to log in to your online account on the Aetna member website.5 You’ll be able to review your coverage and benefits, print your insurance card, and find out whether a specific doctor is within the insurance network.
Your doctor will be able to help you get the referral you need for proper addiction treatment. A variety of programs are available, and Aetna offers doctors a variety of tools, including criteria from the American Society of Addiction Medicine, to help determine the best course of treatment.6
A treatment deemed medically necessary is much more likely to qualify for Aetna drug rehab coverage. You can contact the program directly and ask if they accept Aetna health benefits. However, your insurer has the final word about what is covered and how much payment is made.
Does Aetna Insurance Cover Inpatient Treatment?
You may be wondering about Aetna insurance for inpatient treatment. Most Aetna policies cover inpatient drug or alcohol programs. However, the exact amount of coverage you have may vary, so be sure to fully understand the details of your insurance plan. Not all inpatient treatment programs will be covered. You’ll also need to speak with your insurer and the program you’re interested in to find out what deductibles and copayments might apply. The program may have payment assistance if you can’t afford the portion of the cost that you’re responsible for.
Does Aetna Insurance Cover Outpatient Treatment?
Outpatient treatment allows you to receive help for your substance addiction without living in a center or program facility. You’ll need to choose a program that’s approved and covered by Aetna insurance. The insurance company will want to verify that the plan is effective and uses evidence-based treatment. Aetna insurance for outpatient treatment may require preauthorization before you enroll. Work closely with the insurer so that they are aware of the program you’re choosing and when you’re scheduled to begin.
Additional Aetna Substance Abuse Treatment Coverage
For those seeking additional addiction treatment options or requiring a specific program type, Aetna insurance may provide coverage. These levels of care may include:
- Detox programs.
- Partial Hospitalization Programs (PHP).
- Intensive Outpatient Programs (IOP).
- Continuing care programs.
Speak with your insurer to determine if these levels of care are covered by your plan.
Does My Aetna Substance Abuse Policy Cover Treatment?
An Aetna medical coverage policy should provide at least some coverage for addiction treatment. However, the exact programs covered and how much of the payment you’re responsible for will vary.
You’ll want to contact the insurance provider to determine what your financial responsibility will be as you seek treatment. Remember that costs may be different if the treatment center is in-network or out-of-network, so ask about a variety of options. If you’re not sure if a program is covered, contact Aetna, verify your insurance here, or fill out the form below.
Some treatment programs, including outpatient programs, may require a pre-certification to ensure the treatment meets Aetna’s criteria for coverage. Check with the insurance company to see if the program you’re interested in needs pre-certification before you begin.
Addiction treatment is a significant and important step, and the good news is that it’s more accessible today than it has been in the past. To find out the specifics, including copays and deductibles, it’s important to contact the insurer directly. Treatment is the first step on a journey to a long and happy life.
Please note: While American Addiction Centers (AAC) works hard to provide you with the most updated information on each insurance carriers’ addiction insurance coverage, policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. AAC is not affiliated with or endorsed by Aetna or any of its licensees.
- Ambetter Insurance
- Aetna Insurance Coverage
- United Healthcare Insurance
- Humana Health Insurance
- Cigna Insurance
- Blue Cross Blue Shield
- Kaiser Permanente
- Veterans Insurance
Additional Resources on Drug and Alcohol Treatment
- Aetna Patient Care Programs. LOCAT, ABA, & ASAM guidelines.
- Healthcare.gov. Mental health & substance abuse coverage.
- Aetna Medicare Solutions. Medicare Advantage plans.
- Medicare Advantage, alcoholism, and substance abuse treatment: What you should know.
- Aetna. Member login.
- Aetna documents for healthcare professionals. Let’s get there: Screening, brief intervention and referral to treatment program.
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