Aetna Drug Rehab Coverage
Aetna Insurance offers plans in several states, including Arizona and California. Duration and length of your drug rehab stay will be determined by your Aetna plan and depends on the type of plan you have. The amount of treatment coverage depends on if you have a private plan, or one provided through an employer.
Most insurance providers require that you certify for treatment before you begin. Also, plans may not cover your entire stay, and others may or may not cover certain treatment services at all. Its best to call your provider and ask them directly.
Before heading to America’s Rehab Campuses, we will instruct you on your out of pocket expenses. it’s important to know where you stand with your coverage in order to make plans for expenses, know which services you can receive, and find a treatment center that accepts your plan. 99% of the time we will be able to accept your Aetna Policy.
Some insurance plans allow you to seek treatment with rehab centers not listed in their network, and this is something you will want to know ahead of time. It’s called a Single Case Agreement. You’ll want to make a decision about where to receive treatment based on both which rehab centers offer the best treatment for your needs and which rehabs are covered under your plan. ARC will help you understand all of this information!
Is Drug Rehab at America’s Rehab Campuses Covered By Your Aetna insurance?
Aetna insurance plans, in general, do cover drug rehab, so the answer is YES. Most plans cover drug rehab now, as insurance providers are not to able to discriminate against substance abuse treatment. In short, treatment of substance abuse and addiction must be covered to the same extent of other medical conditions, such as diseases, cancer and chronic pain.
The extent to which your treatment will be covered varies because each person’s plan is unique to him/her. You may have a higher co-pay than another person, but you’ll still be covered for services. Or, you may have a sizeable deductible to meet before your treatment is covered. Every policy is different…
Things you’ll want to know before you begin your rehab stay are knowing which specific services are covered, if you have a deductible to meet, if your co-payment and out-of-pocket expenses are met, and what’s required of you by your insurance provider. This will ease some of your stress in heading to treatment and we at America’s Rehab Campuses will assist you through the entire process.
If you happen to have insurance through your employer, you’ll want to know if your company provides any Employee Assistance Programs (EAP) that connect you with further resources for treatment.
What Services Are Covered By My Aetna Plan?
So, how do you find out which services are covered by your Aetna plan? The best way to start is by talking to your insurance provider on the phone. If you aren’t sure how to get a hold of them, human resources will be able to provide contact information. Additionally, an Intake Specialist will be of great help to you. What can a specialist do? Professionals at America’s Rehab Campuses can contact your insurance provider (with your permission) and get the specifics of your plan and run a Verification of Benefits for you.
This is an important step because some plans do not cover inpatient stays, or only cover a small percent of those stays. Some plans will only cover inpatient services if they are deemed medically necessary. It all comes down to the type of policy you have.
In that case, an assessment of your condition may be required in order to receive coverage. Most plans that cover Inpatient Residential Treatment cover anywhere from 60 to 80 percent of your stay, with you having to pay whatever is left. That percent may be small, but your out-of-pocket expenses add up depending on the length of your stay.
That’s why it’s great to have resources that connect you with scholarships, grants, or assistance from employee programs that may cover the rest. Our specialists can help with that as well.
Inpatient Vs. Outpatient Care at ARC
There are some things you’ll need to check into before deciding what type of treatment you’ll need, one is the difference between inpatient Residential and Intensive Outpatient care. Many plans don’t cover outpatient services. You may be wondering, do I even need inpatient rehab care? In most cases the answer is yes because that higher level of care includes medical attention and more individualized therapy. The real good miracles happens in inpatient, Residential Treatment!
With inpatient care, you stay at the facility for the duration of your treatment. You also receive medical care, supervised detoxification, medication assisted treatment (MAT), group and individual counseling, intense therapy, and other treatment methods as needed including 12-step and holistic modalities.
With outpatient treatment or PHP/IOP, you will attend therapy services at America’s Rehab Campuses while still maintaining your daily life. For some, this method can be effective, usually for those who need to work during the day. For those who have suffered or continue to struggle with addiction, inpatient treatment is the optimal choice for you or your loved one. Why?
Removing yourself from your environment of substance abuse is important for a successful outcome in treatment and is the foundation for long-term sobriety. The addiction medical field recognizes this more and more—it’s the reason that inpatient addiction treatment is covered when deemed medically necessary for most clients.
If your Aetna plan covers substance abuse and addiction treatment, which it should, it’s likely it will cover Inpatient Residential Treatment care. You can find out for sure, though, by reviewing your individual plan and we will also run a Verification of Benefits to verify all the benefits for you.
What Do I Need To Do Before Entering Treatment at America’s Rehab Campuses?
Before you begin any treatment, you will receive an assessment and get a pre-approval from your insurance provider under your plan. Your first step is to receive medical detoxification. This usually lasts anywhere from 5-12 days, depending on the type of drugs and substances you are withdrawing from.
The specifics also depend on the type of substance abuse you’re being treated for. For example, you may not need detoxification services in treatment, so if it’s not covered you won’t have to worry. Or possibly you’ll need medication to help during treatment and want to know if your plan covers it. We will assist you on all this.
Finally, you’ll want to ask your provider which rehab centers are covered under your plan, if you have an HMO. Some plans require that you choose from a list of facilities approved by them, or receive no coverage. Whatever the case may be, be sure to ask for a list of privately funded rehab centers. America’s Rehab Campuses is accredited by the The Joint Commission, and we are always high on the list of referrals from insurance companies.
The Private Rehab Center Difference at America’s Rehab Campuses
Private versus public-funded, what’s the difference? Publicly funded addiction rehab treatment centers provide services to many who have access to no other form of care, or simply cant afford a higher level of care. If you have a PPO or HMO insurance plan that will cover private rehab, it’s an option you should strongly consider because most of the state funded rehabs will not give you the attention and care you need.
Here’s why: private rehabs such as America’s Rehab Campuses offer a superb quality of care, offering lower patient-to-specialist ratios, evidence-based treatment modalities, individualized plans tailored to each patient and so much more. If you have the ability to choose a private rehab facility over a state funded treatment center, we advise you to do so and America’s Rehab Campuses is here for you!
America’s Rehab Campuses provides a serene environment in luxury, campus like settings, in which to heal. Far removed from the environment of abuse, clients are able to focus on healing while being surrounded by the beauty of nature, learning new life skills, engaging in adventures and receiving the most effective, proven and experienced treatment available in the United States of America.
Here at ARC we recognize the importance of addressing all aspects of health affected by ones addiction, while also making sure each client is comfortable and at ease. It’s with this level of care that you’ll thrive in treatment, meeting your recovery goals and learning how to fight relapse and further your substance abuse on a long-term basis. At America’s Rehab Campuses we help you find your true passion and direction in life!
Get Help With Your Plan And Find Treatment In Arizona Today
If you’re considering treatment in Arizona, America’s Rehab Campuses has you covered. We will work with you to find out exactly what you need to do, what’s covered under your PPO Insurance plan and help you estimate your total costs, if any.
When you’re ready to enter treatment, we want to help. Contact us at ARC today, or call 1-833-272-7342 today.