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"Aetna Insurance does offer coverage for alcohol addiction treatment, either partially or in whole." Alcohol addiction is a serious issue that affects many people — both those who are afflicted with the addiction and those who care about them. Since alcohol is a legal drug, it is readily available, rendering it all the more dangerous due to its ease of accessibility. According to the National Institute on Alcohol Abuse and Alcoholism, more than 17 million adults over the age of legal majority in America suffer from an alcohol abuse problem.
Does Aetna Insurance Cover Treatment for Alcohol Addiction?
Aetna Insurance does offer coverage for alcohol addiction treatment, either partially or in whole. Wherever you are in your journey, Aetna covers a variety of treatment options for alcohol addiction, including referrals to services that are local to you and free of charge, such as 12-step programs (i.e., Alcoholics Anonymous) and support groups.
What Kind of Coverage Does Aetna Insurance Offer for Alcohol Addiction Treatment?
Aetna offers varying levels of coverage for alcoholism rehab and treatment depending on several factors, such as the client’s individual insurance plan and the severity of the client’s addiction. Aetna may cover the costs — in whole or in part — for inpatient treatment stays, outpatient treatment services, mental health services, and some medications involved in alcohol addiction treatment.
Types of Rehabs Aetna Will Pay For
Aetna offers coverage for many rehabilitation tools available to those who are struggling with alcoholism. Aetna covers screenings for alcoholism performed by a primary care physician and so-called “brief intervention” treatment (short sessions typically lasting under 30 minutes that take place after the initial screening), inpatient hospital treatment programs, residential short-term rehab programs (one-month, two-month or three-month programs), and outpatient services, such as group or individual therapy.
How Much of Rehab Is Covered by Aetna?
The cost that is covered by Aetna varies from location to location and from plan to plan. Your cost of treatment will depend on the limitations of the individual plan you have selected — your deductibles, out-of-pocket maximums, and whether or not these have been met at the time treatment is sought. Although many treatment centers do accept Aetna insurance, some do not. It’s important to check with both Aetna and the specific rehab center you are considering to see how much of your treatment costs will be covered.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
You may find that, although Aetna is accepted at a particular treatment facility and does provide coverage, you are left with a bill for part of the cost. If this is the case, you most certainly can and will need to pay above what your insurance has provided in order to cover the cost of treatment. However, you can opt to pay with credit, or you can pay for treatment using an installment plan of smaller, more manageable monthly payments.
Inpatient Addiction Treatment vs. Outpatient Therapy
In an inpatient setting, the individual stays at the treatment facility for a period of time and is under strict evaluation 24 hours a day. This can be advantageous for someone struggling with severe, long-term alcohol addiction where withdrawal symptoms could actually be hazardous to the patient’s health, as it ensures that medical treatment is readily available should the patient go into a health crisis.
In an outpatient therapy setting, the person being treated is able to seek help without interrupting the flow of their daily life. They can continue to work, attend school, and live their daily life while getting the help they need to overcome alcohol addiction. In outpatient settings, the client meets with a therapist for treatment and is then free to leave.
Should I Choose a Residential Rehab Center?
You may wish to explore the option of residential rehabilitation if you wish to have closer monitoring by experts who are there to help in the event of a crisis. Residential rehab centers are a good option for people whose addictions are long-lived and severe.
Will Aetna Pay For Local Rehab and Out-of-State Treatment?
Aetna will pay for both local and out-of-state treatment. Depending on your plan, there are a variety of treatment facilities which are covered by Aetna nationwide. A facility need not be local to you to be in-network for your plan. Consult your insurance plan to determine which facilities your insurance will cover for your alcohol addiction treatment.
Does Aetna Pay for Private or Luxury Treatment?
Aetna will pay for a luxury treatment center or private rehabilitation facility, either in part or in whole, provided that the facility in question accepts Aetna insurance and that your insurance plan provides for this type of coverage. Many luxury treatment facilities, which offer upscale amenities and services, that accepted cash-only payment in the past have now opened their doors to treating people with insurance coverage. Ask the facility you are considering if your insurance is accepted there.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs are tailored to fit the busy lifestyles of people with high-power careers, such as corporate leaders and people in management. These programs combine a luxury approach to rehabilitation with the freedom to continue working while receiving treatment, so that your career is not jeopardize while you seek help.
What Treatment Lengths Will Aetna Pay For?
Aetna will cover various lengths of treatment in order to better serve you on your journey to wellness. Aetna will pay for the cost of, in whole or in part, the following lengths of treatment:
- 28-30 Day Residential Programs
- 60 Day Residential Programs
- 90 Day Residential Programs
As well as covering these one, two, and three-month rehab stays, Aetna may also provide coverage for longer-term residential treatment, such as those facilities offering treatment lengths of six months to one year.
What If I Have No Insurance?
If you are uninsured, you may still be able to seek treatment by utilizing services that are free of charge like Alcoholics Anonymous or by setting up a payment plan with the hospital or rehab facility of your choice. You may also be eligible for a scholarship from the facility you are considering for treatment. There are options out there even if you’re uninsured.
Determine Your Options for Alcohol Addiction Rehab with Aetna Insurance
If you or someone you know is struggling with alcohol addiction, there is assistance is just a phone call away. Call your insurance provider to learn more about your individual plan and what coverage you can receive.
Depending on the specifics of your insurance plan, Aetna may cover multiple rehab stays.
There are many forms of aftercare that come after a stay in rehab is completed, and Aetna does pay at least partially for many of them, including outpatient therapy (group or individual) and medication treatment (such as antidepressants).
It’s possible that your insurance premiums may rise over time due to a variety of factors, but generally speaking, using your insurance to pay for rehab services will not cause the premium to rise by itself. Individual claims have a low impact on the rate of insurance premiums.
The Affordable Care Act has brought about an expansion of substance abuse and mental health insurance coverage, which is good news for those who suffer from alcohol addiction. According to the United States Department of Health and Human Services, so-called “Obamacare” has helped 61 million Americans afflicted with mental illness or substance abuse problems by extending its federal parity protections to them.
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