If you have started to search for a drug rehab in Northern California, you have found out one thing right away—drug treatment is expensive. On average, an inpatient rehab program can run upwards of $20,000 for a 30-day stay and up to $100,000 for a luxury treatment program. Understandably, the sticker stock will make you second guess your decision to seek treatment. However, having insurance with drug rehab coverage can substantially ease the financial burden and allow you to put your sole focus on your recovery.
Fortunately, many insurance companies offer drug rehab coverage, including Aetna. This article will further explore the ways to obtain drug rehab insurance, including Aetna rehab insurance. You will also know what Aetna covers and how to verify what your Aetna alcohol rehab insurance covers.
How to Find Insurance Coverage for Drug Rehab
Finding drug rehab coverage can be a daunting task? Where can you look for the right coverage? What options do you have? There are two main options you have when looking for and obtaining health insurance that includes drug rehab coverage:
Private Health Insurance
Simply defined, private health insurance are insurance plans created and marketed by the private health insurance industry. These plans include employer-sponsored plans and those that can be found on the healthcare exchange. Thanks to the American Healthcare Act (ACA), coverage through private insurance companies is much more affordable through cost-sharing reductions and premium subsidies. Also, because of the ACA, many insurance companies (including Aetna) are required to cover a portion of the costs associated with substance abuse treatment.
Public Health Insurance
Public health insurance are insurance plans that are run by the government. The three main public insurance programs are the following:
Medicare: for those over the age of 65 and for those with disabilities.
Medicaid: for those who are disabled and fall under specific income levels.
Children’s Health Insurance Program: insurance for children from low-income households.
Does Aetna Cover Drug Rehab?
So, does Aetna cover drug rehab? The simple answer is yes. The amount of coverage Aetna rehab insurance will cover is dependent on whether the facility is in or out-of-network. If the drug rehab you want to attend is in-network, you may be able to get most or all of the costs associated with detox services. The level of coverage you will get in an inpatient facility depends on the location, the facility, and the plan itself. For example, an HMO plan may only provide coverage if you are in an HMO facility where a PPO plan has more options.
If Aetna drug rehab facilities are out-of-network, the chance is good that you will have coverage for services. However, the coverage you have may be very limited in what is actually covered and the percentage Aetna will cover for services. Keep in mind that rates for out-of-network providers are considerably higher when compared to in-network facilities. Also, you will more than likely pay a separate out-of-network deductible that is considerably higher than in-network deductibles.
How to Verify Your Aetna Insurance Coverage
Suppose you have Aetna insurance and are looking for drug treatment programs. In that case, you need to verify if the facility accepts Aetna drug rehab coverage and to what degree Aetna rehab insurance will cover your treatment stay. Your first call should be to Aetna at the phone number provided on the back of your insurance card. You should also review your plan brochure to determine what specific services are covered under your plan.
After you speak to Aetna, you need to talk to the admissions specialist at the facility itself. Admissions staff have years of experience in working with many insurance plans, and they can evaluate your Aetna rehab insurance to see what is covered and not covered under your specific. If there are costs that will not be covered or underinsured, they can work with you to find alternative methods of payment so your treatment experience can be as stress-free as possible.
How to Find an Aetna Drug Rehab Coverage Near You
Drug treatment is a considerable commitment in both time and money. Not only do you need to find a treatment program that fits your specific needs, but you also need to find a facility that works with your Aetna drug rehab insurance. If you are looking for addiction treatment in Northern California, Singing Trees Recovery is your first choice. We work with Aetna and other insurance companies to help cover up to 100 percent of your treatment costs. No matter your ability to pay, the dedicated professionals at Singing Trees Recovery will provide the programs, tools, and support you need to address and overcome your addiction.