If you have Aetna insurance coverage, you’ll likely have coverage for your rehab costs. Of course, there are rules that you will have to follow, and there may not be coverage for some experimental treatments. It is always best to check with your insurer about what options you have for addiction treatment programs; you don’t want to have unexpected bills pile up because you thought you had coverage.
What to Expect With Aetna Insurance Coverage
Aetna has excellent coverage when it comes to covering the cost of drug and alcohol rehab. They are also great at being confidential with any information you have given them about what your needs are. You can rest assured that, no matter who you are, your information will remain private and is not shared with anyone.
The great news is that in 2012, Aetna said that they would increase prescription drug benefits for people trying to stop the use of opioids. Aetna knows that without excellent treatment, you will not be able to become a productive and happy member of society again. They want to help you achieve that goal.
How to Find Out About Insurance Coverage
Do you call rehabs first or the insurance company? How do you know you are getting the best deal for your money? It is smart to start off looking for rehabs of your choice that accept Aetna. This is usually done through insurance verification. Most rehab sites will have a way to check if they take your insurance right online.
Rehabs know that you are busy and the more convenient they make things for you the more likely you will be to choose them since they have the foresight to make your user experience better. Once you have verified that the rehab of your choice will accept your insurance, it is time to pick up the phone and call the insurance company.
When you call, you will want to know questions you want the answer to, so that you do not have to call back later and endure the waiting period to talk to a real person again.
Here are some questions you should ask:
- Is a substance abuse assessment covered
- How many days of detox will you cover
- Is a residential rehab stay covered
- What other types of rehab are covered, IOP, PHP, etc., and how many visits or days are covered
- What other programs are in my area
- What will my co-pay be on the rehab of my choice
Picking a Rehab
Ask yourself the following questions before making your final choice:
- What kind of care do I really need
- How much will my insurance cover
- Can I afford a higher level of care than my insurance will cover
- Are there programs that offer grants or scholarships
- Am I really ready to quit
The last question is a tough one, especially if your friends and family are pushing you to quit when you may not want to. That is the tricky part of addiction; your brain tells you that you need to do more, while friends, family, and life situations are telling you that you need to stop. For some, this realization does not come for a while; for others, they get it right off.
You are only human, and it’s OK to make a mistake. It is important to remember that the chore is not to fix your wrongs but regain power over your choices. Addiction will change the physical structure of your brain, and you need to find a way to change it back. Seeking help at a rehab or other service is a commendable action and will have you back on the path to a happy and healthy life before you know it.
Finding A Rehab
As mentioned above, finding a rehab that accepts Aetna insurance coverage should be relatively easy. Its the picking up the phone and connecting with your insurance that will probably not be so much fun. Bayview Recovery accepts Aetna insurance for all levels of care. Give us a call today at 855.478.3650 for more information!