If you are entering rehab to pursue treatment and recovery, the last thing you need to worry about is how you will pay for it. At America’s Rehab Campuses, we accept a wide variety of payment methods and insurance plans to make rehabilitation and treatment more accessible for you. As part of our inclusive payment program, we accept several types of insurance, including Aetna.
Does Aetna Cover Drug and Alcohol Rehab?
In the past, it was incredibly hard to find an insurance plan that would cover rehab services. However, many insurance plans now offer drug and alcohol rehabilitation coverage. Aetna is one of the most flexible insurance companies when it comes to rehab. Rather than setting predetermined clauses that tell you how much or how long they will cover, they are interested in covering solutions for the particular individual. At America’s Rehab Campuses, we offer personalized treatment plans that meet your particular needs. So, Aetna may cover your treatment.
Since Aetna has a less cut and dry approach than most insurance companies, you may feel confused about what they will cover. Fortunately, our kind and helpful staff at America’s Rehab campuses can help you sort out the fine details. We can contact Aetna for you to see how much of your treatment plan they can cover. Generally, your coverage will depend on the type of treatment you are considering, the services involved, the coverage you can receive in total, and the duration of time you will be attending our programs.
Furthermore, your coverage may depend on your specific Aetna insurance plan. They may cover the majority of our treatment plans such as medically assisted detox, partial hospitalization treatment, and inpatient residential rehabilitation.
How Much Coverage Can I Receive?
Typically, insurance plans only cover a small portion of rehab stays or short durations in treatment. Other insurance plans will provide higher coverage if a medically assisted detox, partial hospitalization program, or inpatient treatment is considered medically necessary. Depending on your particular plan under Aetna, you could expect to receive between 60% and 80% coverage for inpatient treatment. If you have a 0% coinsurance insurance plan under Aetna, this coverage may kick in once you have paid off your deductible.
How Do I Pay My Out-of-Pocket Costs?
If you do receive the maximum amount of coverage for your stay, you may still be facing out-of-pocket costs. At America’s Rehab Campuses, we want to make sure this does not deter you from receiving the treatment you need and deserve. You may have resources through work, school, your community, the State, or the Federal Government that can help you cover these costs. Our intake specialists can help you determine which grants or loans you may be eligible for and if the coverage will be sufficient. We can also verify if you would be eligible for our flexible payment plans, with 0% financing. In this way, you can benefit from rehabilitation services without needing to worry about how you will pay right now.
Does Aetna Cover Outpatient Treatment?
Our outpatient treatment program may be perfect for you if you wish to transition back to everyday life with assistance and support. It may also be beneficial for you as treatment if you suffer from mild-moderate substance use problems or if you have ongoing responsibilities you must attend to. If this is an ideal option for you, you may be curious if your insurance plan covers it. Some Aetna insurance plans offer coverage that may be lower than inpatient treatment, from 30% to 50%. Other types of Aetna plans do not cover outpatient treatment or involve a fixed copay or a specified payable amount after your deductible. Furthermore, some types of insurance plans will only cover a certain type of services under outpatient care. For instance, they may cover our cognitive behavioral therapy or dual diagnosis therapy services.
Reach Out for Help at America’s Rehab Campuses
At America’s Rehab Campuses, we don’t want you to worry about financial struggles while pursuing life-changing treatment and recovery. Contact us today to learn more about your insurance coverage and other payment options.