Aetna Coverage for Drug and Alcohol Detox & Addiction Treatment
First established in 1850, the Aetna brand is known for delivering quality protection and services. If you have Aetna coverage and struggle with a drug or alcohol problem, you’ll likely be able to use your existing plan to help offset the costs of detox and addiction treatment.
Considering how substance abuse problems tend to drain financial resources, the cost of detox can easily become a deterrent to getting needed treatment help. While most any form of health insurance will require you to pay out-of-pocket costs, a good health plan can pick up a large chunk of your overall costs.
Ultimately, the type of Aetna plan you have will determine what’s covered and what isn’t. The good news is current health insurance laws require all plan types to cover detox and addiction treatment at the same rate as any other form of medical care.
Does Aetna Cover Drug & Alcohol Detox?
Stopping drug or alcohol use brings on a range of physical and emotional problems that can easily derail your efforts to maintain continued abstinence. In the absence of some form of treatment help, the odds of making it through the detox stage are slim, especially if you’ve already tried to stop using on your own.
Not unlike the type of care required to treat illness and injuries, symptoms of drug or alcohol withdrawal require some form of medical treatment. Aetna health plans include coverage for detox treatment care.
Aetna health plans cover the following types of treatment services:
- Inpatient detox
- Outpatient detox
- Treatment for medical problems resulting from substance abuse, such as cirrhosis and malnutrition
- Medication-assisted treatments, such as methadone and suboxone
Aetna Coverage for Drug & Alcohol Rehab
While getting detox help is important, ensuring you have the level of support needed to maintain a drug-free lifestyle after completing detox is critical to making any real progress in recovery. Much like any other type of chronic health problem, treatment for a drug or alcohol addiction happens in stages with detox being the first stage in the recovery process.
Fortunately, today’s healthcare laws require all marketplace insurers to provide the same level of care for substance abuse treatment as for any other type of chronic health condition. In turn, Aetna health plans offer a range of plan benefits that will cover portions of your treatment costs as you progress through recovery.
Rehab services covered by Aetna plan benefits include:
- Residential treatment
- Outpatient treatment
- Individual psychotherapy
- Group therapies
- Intensive outpatient treatment
Contact Detox.com now to find rehab centers covered by your Aetna health insurance!
How Long Will Aetna Cover Detox Services?
As a general rule, your Aetna plan will cover detox services for as long as you need them as long as the treatment services you receive are considered essential health benefits. With today’s healthcare laws, marketplace providers can no longer set yearly or lifetime caps on services that provide an essential health benefit; however, your out-of-pocket costs may fluctuate if you require intensive or long-term detox care, such as with an inpatient or residential-based program.
Aetna offers different health plans, which vary in benefit types, coverage amounts and out-of-pocket costs. Plan types also assign different cost measures for In-Network vs Out-of-Network providers. Each of these factors can have a bearing on your out-of-pocket costs over time.
Does Aetna Provide Coverage for Luxury Detox & Other Non-Essential Benefits?
Luxury detox programs typically offer lush accommodations and may also use alternative treatment approaches. Alternative treatment interventions may take the form of:
- Gourmet cuisine
- Equine therapy
- Energy-based therapies
While effective, these types of interventions may not qualify as essential health benefits. Ultimately, your treatment provider would have to justify a need for this line of treatment in order for Aetna to cover a luxury detox program or any other type of non-essential benefit. That being said, it never hurts to ask questions since some luxury-based programs may actually be covered under your health insurance plan.
How Can I Cover the Excess Costs of Detox That Are NOT Covered by Insurance?
While Aetna health plans can cover a large portion of your detox treatment costs, out-of-pocket costs, such as copayments, deductibles and other policy conditions must still be paid in order for your benefits to kick-in. Granted these costs may be minimal compared to your total treatment costs, finding the money to cover them can be a challenge.
Fortunately, there are ways to cover these excess costs, some of which include:
- Detox program grant and scholarship opportunities
- Bank loan
- Sliding-fee scale options offered by the treatment provider
- Payment arrangement options