Does Aetna Insurance Cover Treatment for Internet Addiction?
Internet addiction is similar to other forms of addiction, in that it is identified as a behavior that cannot be controlled. Someone who is suffering from Internet addiction is not just surfing the web frequently or going on Facebook a little too often. That person feels an uncontrollable need to use the Internet almost constantly, to the point that it affects nearly every facet of daily life. Since it is a fairly new addiction, not all insurance carriers offer coverage for treatment for this type of addiction. However, some insurance carriers, such as Aetna Insurance, provide mental health coverage that includes treatment for Internet addiction.
Type of Rehabs Aetna Will Pay For
"Aetna Insurance provide mental health coverage that includes treatment for Internet addiction." Simply taking a look at your individual Aetna insurance policy will let you know what type of rehab facilities your policy covers for Internet addiction treatment. Usually, Internet addiction is included under mental health conditions, so the type of addiction doesn’t really change the type of treatment you receive. You will be given a choice between outpatient or inpatient care. Rehab facilities offering inpatient care will require you to stay at the facility for a set amount of time, usually between 30-60 days, depending on the level of addiction. You may also choose outpatient care if you have a less severe addiction to the Internet, which requires individual or group therapy sessions, support groups and counseling, but allows you to live at home while receiving treatment.
How Much of the Cost of Rehab Is Covered by Aetna
Aetna doesn’t provide exact numbers for how much it will cover, except for in individual policies. There is such a wide range of policies that you will need to look at your own policy to see how much of the costs of rehab are going to be covered. You may find that your policy covers 100 percent if you go to an approved rehab center for Internet addiction and choose the treatments they suggest. In other cases, Aetna covers a dollar amount, lump sum or percentage of the costs of treatment. The type of treatment you need and services and treatment facility you choose can also determine exactly how much is covered by Aetna.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
You can always pay part of the costs of treatment if you choose to do so. Just because Aetna will only cover a certain set amount, and you want services that will require more than this set amount, doesn’t mean you can’t get those services. Aetna provides you with information about what it will cover under your policy for Internet addiction, and you decide how much you will pay out-of-pocket outside that number or percentage.
Inpatient Addiction Treatment vs. Outpatient Therapy
When you begin looking at potential treatment centers for Internet addiction, you will find that there are two main options: inpatient treatment and outpatient therapy. There are a few differences between these options, though they have both been proven to be effective for treating different levels of Internet addiction. Your first option is outpatient therapy, which is less expensive and requires less of your time. You stay home when receiving outpatient therapy and visit the facility during certain days and times. The counselors at outpatient treatment centers ask to see you several times a week and contact them any time you feel you need to. You will also have regular support group and counseling sessions. Outpatient therapy is often more difficult because it takes a certain amount of willpower to avoid your temptations while receiving this treatment. If you are dealing with a longer battle addiction to the Internet or your addiction is more severe, you may do better with an inpatient treatment facility. These facilities have you staying at the facility 24 hours-a-day, usually for 30-60 days. You are monitored around-the-clock and have regular meetings with a counselor or therapist. You have certain days when friends and family can visit you. Everything is monitored, including your behavior, activities, meals and medications.
Should I Choose a Residential Rehab Center?
The inpatient treatment center, also called a residential rehab center, is often ideal because you are kept away from the Internet in all forms. It is hard for many people struggling with an Internet addiction to stay away from the Internet on their own. Even with regular therapy sessions, you have to practice self-control while at home. It can be difficult not using the Internet when it is right there, so you might do better beginning with the residential rehab center.
Will Aetna Pay for Local Rehab and Out-of-State Treatment?
It is much easier to get coverage for a local rehab center, as opposed to out-of-state treatment, from Aetna for Internet addiction. Aetna usually covers more of the costs when you choose a local, approved treatment facility. If you want to go to one out of their network, Aetna might cover part of the treatment, but you can expect to pay more for it.
Does Aetna Pay for Private or Luxury Treatment?
Luxury and private treatment facilities offer extra treatments, such as meals prepared by prestigious chefs, massage and salons, and holistic programs. If you choose one of these facilities, you will likely be paying out of pocket. Some Aetna insurance policies cover the facilities, but it will be limited; however, you should check your policy to be sure.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment options are offered when you are a busy professional who has an addiction and need to get away from your work for a while. These options feature a mixture of residential treatment centers and luxury treatment centers, offering the top qualities of both.
What Treatment Lengths Will Aetna Pay For?
You can expect Aetna to cover different lengths of treatment stays, including 30, 60 and 90 day treatments.
What If I Have No Insurance?
Even if you don’t have insurance, you can find help for Internet addiction. There are treatment facilities that are happy to accept other payment options or work with you and provide easy payment plans. The facilities want you to get better and will work with you in order to get you the help you need. Let the facility know if you cannot afford to pay for treatment, and it will provide you with resources to get help for your addiction.
Using Our Helpline to Determine Your Aetna Rehab Options
Use the Aetna insurance helpline in order to find out what your rehab options are. Call 1-888-341-7785 to get the help you need understanding your coverage. Our experts will answer your questions, help you find the right rehab center, and let you know which centers are approved under your Aetna policy.
If your treatment facility coordinator has recommended multiple stays at a rehab center for Internet addiction, Aetna will most likely cover multiple stays.
Aftercare is a part of treatment as it helps you control your Internet addiction after leaving the treatment facility. Because it is a part of treatment, most Aetna insurance policies do cover this part of treatment.
Your insurance premiums should not be affected by going to rehab. Rehabilitation for Internet addiction is already included in your current policy; therefore, Aetna cannot increase your premium simply for using your coverage.
Obamacare has not negatively affected health coverage for mental health or substance abuse coverage, though it has had a positive effect. People who otherwise could not get insurance coverage now have the option to get help with treatment for Internet addiction.