What is Aetna and what do they provide?

Figuring out exactly what your healthcare plan covers can be incredibly difficult. Most individuals are unsure of which policy they have and how certain policies differ. If Aetna is your insurance provider, we can help you break down exactly what your benefits are based on the specific plan. We have provided this type of service to thousands of people seeking help who are in the exact same situation as you! 

Aetna is one of the country’s leading healthcare providers and is currently based in Hartford, Connecticut. Founded in 1853 and now headed by CEO Mark T. Bertolini, it is also one of the oldest names in the industry and operates under parent organization CVS Health. They sell a variety of products including Medicaid insurance, pharmacy insurance, dental insurance, and disability insurance amongst others. They are also active in all fifty states. Aetna covers millions of these different policies for customers through a network of over a million providers. The company employees over 35,000 people and takes in $35 billion dollars in annual revenue. If you have Aetna, you are one of 46 million members enrolled in their program.

One thing to know about Aetna is the lack of short-term plans they offer, ones that could fill in for intermediate periods between insurance coverage such as after college or while transferring jobs. However, their long-term policies are among some of the most affordable on the market and are very easy to supplement with additional coverage. They come in a variety of options and differ in the ways they address treatment, detox, and mental health. And we will help you make sense of those differences.

 

Does Aetna cover drug and alcohol rehabilitation?

Addressing drug or alcohol addiction is an incredibly important step for someone to take. It is a decision that should be supported by the most efficient method of treatment. Trying to clean the body of substances, or detox, is a difficult process that involves withdrawals and requires constant supervisions. For a patient that does not need a complete medical detox but still wants twenty-four hour clinical, psychiatric, and medical aid; they can utilize Coastal Detox’s residential program.

Aetna does offer a number of high deductible, open-access, and copay-only plans for such rehabilitation. They are all designed to help make the cost of treatment much more manageable, but costs involved with those options differ tremendously. Coverage is included for various types of rehabilitation, at residential and inpatient treatment centers as well as detox facilities. The vast network that operates under the umbrella of Aetna encompasses over four-hundred and seventy thousand doctors and providers that will be able to address issues of substance abuse. 

The high-deductible option grants preventative care services before the deductible is met and sometimes a health savings account. Open-access allows the patient their choice of doctor and does not require a primary care physician. Copay-only guarantees that primary care physicians and drug costs are covered before reaching the deductible. 

Programs offered in these various networks go through an extensive screening process that ranks their uses of modern treatment, quality of care, and follow-up procedures. Thus, the work is already done for you in terms of comparing each pathway. Some of the most useful aspects of this vast network are the various partnerships that Aetna possesses, such as one with CRC Health Group that specifically is geared towards opioid addiction treatment.

If you are covered with Aetna insurance but choose to venture outside of its network for treatment, please note that it can be notably more expensive and that an out-of-network facility may not be screened or vetted to the point that inpatient ones are. Therefore, it is important to know that there is a risk that you could be overcharged for poorer quality of service. Also keep in mind that the duration of rehabilitation changes according to your individual needs and coverage plan.

 

Is mental health included in your insurance coverage?

Aetna gives you access to an array of counselors, psychologists, psychiatrists, doctors, social workers, and therapists to choose from. This is due to their belief that mental illness can often times be the cause of a number of addiction issues and offer benefits in their insurance packages so you can get simultaneous treatment. 

Aetna will use your mental health and physical data records to coordinate care that is more applicable to you and so health practitioners have the information they need to tailor your treatment. This data collection permits them to identify which of their members may need assistance before a health issue worsens.

 

Does Aetna cover both inpatient and outpatient services?

Coastal Detox offers both inpatient and outpatient detox options to help clients dealing with drug and alcohol abuse. Outpatient services are purposed for individuals who have personal and professional obligations and cannot stay full-time at the medical facility while inpatient programs give those who need constant supervision or a break from society the option to reside there.

Aetna has insurance plans for both. For inpatient treatment, they have a number of pre-screened locations you can choose from that best suit what you are looking for. Outpatient services are not guaranteed to be covered by Aetna. This is largely dependent on the type of coverage you have and the location of the treatment center.

 

Coastal Detox is ready to help you!

Whether you or someone you know is seeking treatment for drug or alcohol addiction and looking for the best way to detox, Coastal Detox is the place for you! We know how vital it is to find rehabilitation that is catered to your specific needs and is both effective and affordable. 

We are ready and waiting to work with and for you to plan out the best possible treatment plan! We are open twenty-four hours and one of our highly trained addiction specialists is waiting for your call at 877-406-6623.

 

Content Reviewed by Jacklyn Steward

Jacklyn StewardJacklyn is a Licensed Mental Health Counselor (LMHC) and an EMDR trained trauma therapy specialist with over 6 years of experience in the field of addiction. She has a Masters Degree in Mental Health and Substance Abuse Counseling from Nova Southeastern University.