Get Treatment Covered by Aetna in Georgia for Drug and Alcohol Abuse
Among the largest healthcare providers and insurance carriers in the country, Aetna provides policies for millions of Americans each month. If you are an Aetna member who is considering entering rehab for a drug or alcohol addiction, rest assured that your policy will be accepted here at Ingrained Recovery.
Paying for rehab with Aetna insurance will make the process far more affordable and will help you focus on the recovery process. Our friendly team of rehab representatives is available to speak with you about the treatment options we have available, and they’ll answer any questions you have about our services.
We offer services as an Aetna drug rehab, Aetna alcohol rehab, and for dual diagnosis clients seeking support using their Aetna policies as well.
Starting rehab as soon as possible is always the best way to approach this important matter. Putting the team at Ingrained Recovery on your side will make the challenge more approachable and you will start to see a clear path toward a bright future.
What is Aetna Insurance?
Aetna is one of the largest commercial insurance companies in the United States. Part of the CVS Health family, Aetna offers a range of insurance policies for individuals, families, and employers. With a history that dates back 170 years, the Aetna name has been trusted by millions for generations as a reliable insurance provider.
Get Into Aetna-Covered Drug and Alcohol Rehabs
The Affordable Care Act (Obamacare) and Addiction Treatment
Often referred to as Obamacare, the Affordable Care Act of 2010 was landmark legislation that changed how healthcare insurance was managed in the United States. While the changes brought on by the ACA were widespread and sweeping, the impact on addiction treatment was particularly dramatic.
The big change was the addition of mental health services and substance use disorder to the list of essential health benefits. Before Obamacare, many insurance plans did not include coverage for addiction treatment, leaving countless people without an affordable way to access the care they needed.
Under the ACA, qualifying plans had to include this coverage, meaning plans from companies like Aetna would have substance use disorder treatment centers covered by default, opening up access to rehab centers for millions of Americans.
Aetna Rehab Coverage: Does Aetna Cover Rehab for Drugs & Alcohol?
Yes, Aetna coverage includes treatment in rehab for drugs and alcohol. As mentioned in the previous section regarding the Affordable Care Act, insurance coverage is now required to include drug and alcohol rehab treatment, meaning anyone who has an insurance policy – with Aetna or another carrier – will have access to covered substance abuse treatment and care.
Our Approach to Effective Drug and Alcohol Rehab Aetna Services
Ingrained Recovery is a holistic treatment center that designs custom programs that are tailored to the specific needs of each individual. Addiction is an issue that involves a person’s whole being, including body, mind, and soul. As a result, we focus on customized treatment programs that have been designed by our expert staff of master’s and Ph.D. -level professionals.
Not only do we have experts on hand to design custom treatment programs, but we also have a range of treatments available to make sure everyone’s needs are met. For example, we have both group therapy and one-on-one therapy, as well as exercise therapy and even equine therapy.
Evidence Based and Trauma Informed Models for Care
As endorsed by the Substance Abuse and Mental Health Services Administration (SAMHSA), Ingrained adopts evidence-based approaches based on helping clients address the underlying causes of substance use and achieve lasting recovery.
Options include DBT, CBT, EMDR, REBT, evidence-based therapy, and treatments that are 12-step friendly. Because of the varied nature of addiction and the individuals it impacts, having as many treatments at our facility as possible allows us to achieve the best possible results.
Of course, the treatments listed above are only a portion of what we have available at Ingrained Recovery. To learn more, you are welcome to contact us directly to speak with a member of our team about care options and how they can serve your needs.
What Types of Rehab Programs Does Aetna Cover?
It is required for rehab treatment to be covered by medical and health insurance providers, but the specific treatment options that are available will vary based on your insurance. Your Aetna insurance may cover a variety of options, including:
- Men’s rehab
- Women’s rehab
- Couples rehab
- State rehab facilities
- Private rehabs
- Luxury rehabs
- Dual diagnosis rehab
- Rehab ranch
We have a variety of rehab treatment options available here at Ingrained Recovery. Contact us directly to learn more about our options and which would be covered by your Aetna policy.
What Kinds of Addiction Treatment Will My Aetna Insurance Cover?
Addiction treatment needs to be customized to the individual if it is to be successful. Fortunately, many Aetna insurance policies will cover all rehab levels of care, including inpatient and outpatient treatments, emphasizing comprehensive substance abuse treatment that encompasses both inpatient and outpatient rehab.
Inpatient and residential treatment options include detox treatments and residential rehab, while outpatient addiction treatment can include outpatient services listed below:
- Medical Detox. Often the first step in the recovery process, detox treatments involve various techniques designed to withdraw addictive substances from the body.
- Residential rehab. Individuals in residential rehab reside at the rehab facility so they can receive care around the clock using a range of treatment methods.
- PHP. A partial hospitalization program, while outpatient by design, includes spending a significant portion of each day in a treatment facility. This is often the next step after completing residential rehab.
- IOP. With an intensive outpatient program, treatment activities are attended multiple days per week, but the individual maintains enough flexibility to maintain a more routine daily life.
- OP. As the individual makes progress in rehab, more and more freedom is introduced. When in a traditional outpatient program, the individual only receives treatment once or twice per week, a plan that may be suitable for those who have already completed more intensive steps.
- Aftercare. This is an ongoing level of care that is used when someone has moved out of more restrictive inpatient or outpatient levels of treatment.
- MAT. This is medication-assisted treatment, which can help to manage cravings and withdrawal symptoms and is typically used as part of a bigger treatment plan.
What Kinds of Addictions Does Health Insurance Cover?
The prevalence of substance abuse disorder across the United States has led to many different substances being abused. This includes substances that are available via prescription, as well as drugs that are only found through illegal distribution. More than 5% of the population over 12 reports misusing a prescription drug, and that’s only just scratching the surface of the problem of substance use disorders.
Using Aetna drug rehab coverage will allow you to be treated for an addiction to a wide range of types of substances, including those listed below:
- Alcohol
- Benzodiazepines (such as valium, Xanax, etc)
- Cocaine and crack cocaine
- Codeine
- Fentanyl
- Heroin
- Ketamine
- Marijuana
- Meth
- Opioid and Opiate Narcotics (morphine, methadone, oxycodone, etc)
- Stimulants
Common Types of Aetna Health Insurance Plans and Benefits
There are many different types of Aetna health insurance policies available, with each different coverage coming along with a unique set of benefits. Some of the common policy types are as follows –
- HMO. A Health Maintenance Organization policy demands that an individual go through a primary care physician first and will typically need to get a referral from that physician to see a specialist.
- PPO. With a Preferred Provider Organization plan, the individual has more options for care and does not need to go through a primary care physician.
- POS. A Point of Service plan does need a primary care physician, like with an HMO, but the individual does have the freedom to look for out-of-network care.
- EPO. With Exclusive Provider Organizations, as the name would suggest, it’s necessary to find care within the network and typically no charges from outside the network will be approved.
If you purchase your Aetna insurance policy through a state healthcare exchange, you will also be able to pick from Gold, Silver, and Bronze level health plans. The names of those plans are designated to align with the level of coverage that each policy provides. Gold level plans will have the highest monthly premium of these options but will also include the most coverage. At the Bronze level, the monthly premiums go down, but the out-of-pocket expenses will be higher when claims are made.
Find Solutions: Maximizing Your Insurance Coverage
How Much Does Rehab Cost with Aetna Insurance?
The cost of your stay in rehab will be influenced by a variety of factors. Your Aetna insurance may cover the entire bill for your time in rehab, but if not, it will pay for a large portion and allow you to focus on recovery.
When you reach out to Ingrained Recovery, one of our first steps is to verify your insurance coverage to confirm what treatment options would be covered and what your costs would look like. You shouldn’t have any uncertainty about the costs of your treatments or the options that will be available.
We’ll break this down precisely for you, in easy-to-understand language, not technical jargon. Armed with the information you need about the financial side of rehab, you can make a confident choice and get started with your treatment as soon as possible.
What Length of Treatment Will Aetna Cover?
There is no specific timeframe that is attached to the length of care you can receive while using Aetna insurance at a rehab facility. Rather, the length of your care will be determined by what is medically necessary, whether that means a short-term or long-term program.
It’s common for individuals to stay somewhere between 30 – 45 days for residential care, along with outpatient treatment as a follow-up. Both are covered by major health insurance providers and policies. Of course, that’s just an average range and does not mean that the appropriate length of stay in your case will fall in that range.
What Are Out-of-Pocket Expenses for Rehab Treatment?
Having an Aetna insurance policy will make it significantly easier to pay for rehab treatment at Ingrained Recovery. If you do have any out-of-pocket expenses, they are likely to be minor and will fall into one of the three categories below –
- Premiums: Monthly premiums are the payments you make directly to Aetna to maintain an active insurance policy.
- Coinsurance payments/Copays: Depending on the treatment you receive, it may be necessary to make a copay at the time of care to supplement what is paid by your insurance company.
- Deductibles: Your insurance policy will have an annual deductible that needs to be met before benefits kick in.
How to Use Insurance to Pay for Alcohol Rehab
The complexities of using insurance should not stand in the way of anyone using their Aetna insurance policy to pay for needed drug and alcohol treatment and rehab. At Ingrained Recovery, we keep the process as simple as possible so you can spend your effort focused on your care and rehabilitation.
Aetna insurance covers drug and alcohol rehab, including a variety of treatment options such as substance abuse treatment, medically-assisted treatment (MAT), inpatient and outpatient rehab, counseling, therapy, and even out-of-network rehab coverage, but it’s important to verify coverage for specific services.
To get started, you simply contact us and talk to one of our recovery representatives. At that time, we’ll do a quick and easy insurance verification, at no cost to you.
During this process, we’ll find out what your insurance covers at our facility. From that information, we can discuss your detox and rehab options and agree on a plan that addresses your needs. As soon as that plan is approved, your treatment can begin immediately.
Will My Aetna Insurance Premium Increase After I Go to Rehab?
No, you do not have to worry about your premium increasing after going to rehab (or filing any other kind of claim on your account). Medical insurance premiums are adjusted based on the entire “risk pool”, rather than by the individual. In other words, the insurance company looks at the overall group that they are covering when calculating premiums, rather than any one individual.
Your insurance policy is there to be used, and if you need treatment at a rehab facility to address drug or alcohol addiction, don’t hesitate to use your Aetna coverage for that purpose.
How to Get Aetna Insurance Coverage for Rehab
It’s far better to have an insurance policy in place than to pay for rehab (and any other medical expenses) with money out of your own pocket. Fortunately, there are plenty of ways to get insurance coverage through Aetna, including the options below.
- Open enrollment: During the annual open enrollment period, you are free to purchase plans from Aetna – or other carriers – that meet your healthcare needs.
- Life-changing event: Events like the birth of a child, marriage, or loss of other health coverage may qualify you to sign up for insurance outside of the standard open enrollment period.
- Marketplace: The Health Insurance Marketplace is a convenient way to shop for health insurance and compare plan options. You will need to purchase through the exchange either during open enrollment or after a qualifying event.
- Employer: If your employer offers health insurance as part of your employment package, that may be your best way to secure a plan that covers you (and possibly your family).
- Through your parents: Individuals who have not yet turned 26 and remain eligible based on other criteria may be able to stay on their parent’s healthcare plan.
Will My Employer Find Out If I Use My Insurance for Rehab?
No, your employer will not have access to information regarding how your insurance policy was used, even if you are on a group policy through that employer.
Your personal health information is protected by the Health Insurance Portability and Accountability Act, or HIPAA. This law was designed to protect sensitive health information and is meant to restrict access to that information to only parties that need it (your doctor, for example).
Thanks to HIPAA protections, you can freely use your medical insurance to pay for rehab without any concern about your employer learning about the treatment.
Finding a Rehab That Accepts Aetna Insurance
Ingrained Recovery is proud to accept Aetna insurance policies. American Addiction Centers (AAC) are among the facilities that accept Aetna insurance, offering a comprehensive range of services including inpatient and outpatient rehab.
When you receive treatment for drug or alcohol addiction at our facility, you may be covered for as much as 100% of the cost of care by insurance providers, including specialized drug and alcohol rehab services.
Aetna insurance at Ingrained Recovery covers a variety of services, from inpatient treatment to outpatient rehab, ensuring that patients have access to the full spectrum of care they need. It’s also important to note that mental health services are a crucial part of addiction treatment, and these are covered under Aetna insurance as well.
Contacting our admissions coordinators will allow you to have your coverage checked and any out-of-pocket expenses clearly explained. There’s a wide variety of treatment centers that accept Aetna insurance, but choosing a center like Ingrained Recovery that aligns with the your needs is crucial for effective recovery.
What is the Difference Between an In-Network Aetna Rehab & an Out-of-Network Aetna Rehab Program
An in-network rehab facility is one that has an existing agreement in place with Aetna to establish terms like the cost of care and the services that are covered. As a patient, you will usually pay less for in-network services, depending on the specifics of your plan.
Opting for an out-of-network rehab program means your Aetna insurance doesn’t have an existing agreement with the facility. Treatment may still be covered, but it might cost more or have other restrictions. Take a moment to check in with Ingrained Recovery to learn how your Aetna policy will be able to cover our treatment options.
Aetna Drug & Alcohol Rehab: Get Started Today!
As a rehab facility that accepts Aetna insurance, Ingrained Recovery is a great choice if you have an Aetna policy and need to enter drug or alcohol rehab as soon as possible. With so many available treatments covered by this type of insurance, you shouldn’t need to worry about financial concerns holding you back from getting the care you deserve.
While we have answered many of the questions you are likely to have about rehab and Aetna health insurance coverage, there might be even more concerns in the back of your head. To resolve those matters and take a huge step toward sobriety, call us today to speak with a friendly admissions coordinator.
Our team understands your situation and will walk you through the steps that need to be completed before you can be admitted under your insurance and start to receive customized treatment. Reach out now and let’s start the healing process together.