Read all about Aetna rehab coverage and reach out to Alamo Behavioral Health to find out how we can help you get better and lead a healthier life.
Aetna is a health insurance company that was founded way back in 1853. They offer a large variety of health insurance plans that cover a wide range of medical services, including doctor visits, mental health care, prescription drug treatment, etc. One of the greatest advantages Aetna has over many of its competitors is its very large and robust network of medical professionals. Aetna insurance is fully accepted at Alamo Behavioral Health and provides an excellent way to pay for your treatment. However, Aetna rehab coverage comes with several restrictions and limitations that you might want to be aware of. The best way to determine the extent of your coverage is to go through an admissions process, where our professional staff will discuss the specific details of your coverage. Reach out and get the information you need to start your recovery journey.
What can you expect from Aetna Health Insurance?
Aetna offers a large variety of health insurance plans to employers, individuals, and families alike. The most common plan types that you can get through Aetna include:
- HMO Plans
- PPO Plans
- POS plans
- EPO plans
- High-deductible health plans
Of course, Aetna also offers dental and vision plans, as well as Medicare Advantage plans. Each plan comes with its own copayments, deductibles, premiums, and a specific network of healthcare providers. Therefore, before you start using your Aetna rehab coverage, you may want to discuss the specifics with your treatment center of choice.
Most HMO (Health Maintenance Organization) plans that are offered by Aetna feature low out-of-pocket costs but come with certain limitations, such as having to choose a primary care physician (PCP) and needing to get referrals for specialist care. Your PCP will act as your primary point of contact for all healthcare needs and is also responsible for coordinating any specialist care you might require. These plans are quite popular with individuals and families who are comfortable with having a somewhat limited network of healthcare providers and want to benefit from lower out-of-pocket costs.
Preferred Provider Organization (PPO) plans offered by Aetna are much more flexible than their HMO counterparts. PPO plans allow you to choose your own healthcare provider but feature higher out-of-pocket costs than HMO plans. Another benefit of PPO plans is that you do not usually have to deal with choosing a PCP or getting referrals for specialist care. Furthermore, PPO plans might need to meet a deductible before their insurance coverage kicks in. If you are willing to pay a higher premium for added flexibility, Aetna PPO plans might be ideal for you.
Aetna’s Point of Service (POS) health insurance plans stand somewhere in between HMOs and PPOs. These plans will allow you to choose between out-of-network and in-network providers, as you will have the option to see healthcare providers outside of the network. Most of the POS plans will require choosing a PCP, but it might not be required in certain situations. Furthermore, these plans offer lower monthly premiums than PPO plans but have somewhat higher out-of-pocket costs if you choose to use healthcare providers that are outside of the network. If you are looking to benefit from the cost savings of staying within the network but want some additional flexibility if you need it, POS plans might be the best option.
EPO (Exclusive Provider Organization) plans are quite similar to HMO plans, as they require you to choose healthcare providers from a specific network and to choose a PCP. However, EPO plans do not require any referrals for specialist care. This means that you can see a specialist within the network without talking to your PCP first. EPO plans feature lower monthly premiums than PPO plans but will usually have substantial out-of-pocket costs if you choose to visit an out-of-network healthcare provider. If you are looking to minimize your monthly premiums, are not bothered by the limited selection of healthcare providers, and want some flexibility added in, EPO plans might be the answer you are looking for.
High-deductible health plans
Aetna’s High-deductible health plans (HDHPs) come with significantly lower monthly premiums. However, there is a large caveat to them – they require a much higher deductible as well. If you have a high-deductible health plan, you will be required to pay for your healthcare services on your own until you reach the deductible. However, once the deductible is met, your insurance coverage will start. HDHPs are usually connected to a heavily tax-advantaged HSA (Health Savings Account) and are best utilized by individuals who are in good health and do not require frequent medical care. These plans will allow you to save quite a bit of money on monthly premiums but may take a while to “kick in” once you start your treatment.
All about Aetna Rehab Coverage
Unlike many other health insurance providers, Aetna’s plans specifically state that they cover addiction rehab. While there may be some variations between the plans, both HMO and PPO plans will generally cover:
- Drug addiction
- Alcohol addiction
- Medication assisted therapy
- PTSD treatment for veterans
- Dual diagnosis treatment
However, it is important to note that the exact coverage will depend on a variety of factors. To get the most out of your Aetna rehab coverage, you will also want to find an in-network treatment center.
Aetna drug rehab coverage
To determine the extent of your Aetna drug rehab coverage, you will need to have a talk with your addiction specialist. Some of the questions that might help determine what type of care your insurance qualifies for include:
- When was the last time you used drugs?
- How long have you been using drugs?
- Is this your first time seeking treatment?
- What are your goals?
Furthermore, the drug’s type might also influence your insurance options. Under normal circumstances, Aetna’s plans will be able to cover cocaine addiction, prescription medication addiction, methamphetamine addiction, heroin addiction, and more.
Aetna alcohol rehab coverage
An addiction to alcohol, the most used substance (by far) in the U.S., is fully covered under Aetna health insurance plans. However, the exact coverage depends on a specific plan. Most plans will cover medical detox, as well as inpatient and outpatient treatment. However, there may be significant restrictions when it comes to the duration of the treatment. Therefore, before you commit to alcohol addiction treatment, you may want to verify what exactly is covered and what is not.
Aetna mental health coverage
Even though it did not use to be that way, Aetna therapy coverage fully includes mental health services. Ever since the medical community recognized that addiction and mental health issues go hand-in-hand, health insurance providers have started including coverage for mental illnesses. However, since there are so many available treatment options, not every plan will cover them all. While most plans will cover the common therapy types (CBT, DBT, EMDR, etc.), some options might not be covered by your specific plan (for instance, Biofeedback, Motivational Interviewing, etc.).
Will Aetna provide coverage for the entire duration of the treatment?
It depends. The length of treatment that Aetna substance abuse treatment benefits cover will depend on the individual plan itself, as well as your treatment center of choice. However, Aetna will usually cover anywhere between one and six weeks of inpatient treatment, depending on the plan. Outpatient treatment is usually covered for four to twelve weeks.
Types of therapies that are covered by Aetna rehab insurance options
Aetna rehab coverage encompasses a wide variety of therapies, including:
- Cognitive behavioral therapy (CBT)
- Dialectical behavioral therapy (DBT)
- Eye Movement Desensitization and Reprocessing (EMDR)
- Motivational Interviewing (MI)
- 12-step programs
- Family therapy
Other therapy types may be included as well, depending on specific circumstances. Before signing up for therapy, however, you will want to verify that your particular plan covers it. There may be other limitations to consider, as well.
Verifying your Aetna rehab coverage
In general, there are two ways in which you can verify your Aetna rehab coverage:
- Contact Aetna directly
- Go through an admissions process at Alamo Behavioral Health
It is usually advisable to do both before you commit to your treatment. This is due to the fact that your treatment center and Aetna need to communicate the exact specifics of your rehab coverage. If you only talk to Aetna, for example, you may not receive full information. However, you may be able to simply go through the admissions process at Alamo Behavioral Health and get all the information that you require.
Also, if you want to know more about us before you make the choice, feel free to get in touch with one of our customer representatives. They will happily explain everything about our treatment center, answer your questions, and help you set up the admissions process.
How to contact Aetna
Getting in touch with Aetna is quite easy. You can simply call them at 1-800-US-AETNA (1-800-872-3862) between 8:00 AM and 6:00 PM ET or by calling the number found on your member ID card. Note that this is the phone number for the corporate contact center, and they might not have access to member accounts. You can also fill out the contact member services form on Aetna’s website and verify your Aetna rehab coverage that way. Do note that you should not use this form to report any medical emergencies.
Alamo Behavioral Health admissions process
If you want a more comprehensive way to check your insurance coverage, you may want to go through an admissions process in a treatment center. The admissions process at Alamo Behavioral Health is quite simple, and it will provide you with all the information you may require about your Aetna residential treatment coverage. To start the process, all you need to do is get in touch with us! You can do so by filling out a simple form on our website or calling us directly. Once you have our admissions specialists on the line, they will provide you with any assistance and guidance that you may need.
Step 1 – Data collection
During the initial call, our team will have you answer certain questions that pertain to the nature of your rehab. You may be asked about your medical history, personal information, and similar. Of course, everything that you say to our staff will be completely confidential. We do not compromise on privacy at Alamo, and you can be certain that no one will be able to get hold of your private information. The data that we collect from this step will be used to determine the best course of treatment as well as available insurance options.
Step 2 – Insurance review
The second step of Alamo’s admissions process involves an extensive insurance review. This is where our admissions staff will discuss relevant insurance terms with you and help you get the most out of your Aetna detox coverage. By talking to our admissions specialists, you will be able to learn all about the level of benefits and services that your specific insurance plan might offer.
Step 3 – Travel arrangements
Once all the insurance details are to your satisfaction, we can proceed to make travel arrangements for you. This step is, of course, optional. Our staff is able to provide you with organizational support for any travel arrangements you might require, including booking the plane tickets for you. However, do note that Alamo Behavioral Health will not cover your travel costs, as they are not considered to be a part of the treatment process.
Step 4 – Arrival at Alamo
One of our staff members will wait for you at the airport and bring you to our treatment center. Of course, if you are driving or taking any other means of transportation, you can expect our staff to assist you in a similar manner. Once you arrive at Alamo, your treatment may begin. We will provide you with a tour of the facility and our medical staff, answer any questions you may have, and show you to your comfortable quarters.
Reach out and take the first steps to sobriety
Undergoing treatment at an addiction treatment center may be quite expensive at times, but your Aetna rehab coverage will help. If you want to get the most out of your coverage, contact Alamo Behavioral Health today! We are here to answer all your questions and help guide you to a better future.