Aetna has been in business for more than 150 years. During that time, the company has been providing insurance products and benefits to employers and individuals. It has been offering health insurance since 1899, making it one of the first companies in the US to offer this type of coverage.
Aetna Health Insurance and Substance Abuse Coverage
Health insurance companies are required to include mental health and substance abuse as one of the basic services covered in the policies they sell. If you are looking for coverage for yourself or yourself and your family, there will be some coverage available for detox and rehabs.
They must also include this type of protection in employer health insurance policies for companies with 50 or more employees. If you are employed by a company with less than 50 employees and you have group health insurance, you may have mental health/substance abuse coverage.To find out the specifics of your group health insurance coverage, contact the company or your benefits administrator.
Pre-approval for Substance Abuse Treatment
Aetna insurance will need to pre-approve your request for substance abuse treatment before you enroll in a treatment program. Rehabs that are used to working with Aetna can do a basic evaluation over the phone and perform a benefits check, and then once you arrive their clinical staff will perform a more thorough evaluation that an be provided for approval. The insurer
- needs to confirm that the treatment being requested is medically necessary; and
- has specific guidelines to ensure that its subscribers are referred to the type of treatment that is appropriate for them.
Unlike some insurance providers, having “failed” at an outpatient drug or alcohol program previously is not a requirement for being approved for residential treatment. Instead, decisions about appropriate treatment are designed with the specific person in mind.
Find Detox and Rehabs that Accept Aetna
If you get approval from your insurance provider, you’ll want to find out the following information:
- Which substance abuse treatment centers will accept my insurance coverage?
- Do I have coverage for medical detox services?
- How many sessions of outpatient treatment or days of residential treatment are covered under my plan?
- Does my insurance plan pay for family counseling?
You still have options for getting addiction treatment if your insurance company does not pre-approve coverage. Detox and rehabs may offer scholarships and/or financing to help defray the cost. Contact us today to get free information to assist you.