You have Aetna insurance, and you’re interested in getting mental health treatment or addiction treatment. What should you do next? You may have several questions about treatment, its costs, and how your Aetna insurance coverage works. As a clinic in-network with Aetna, we’re here today to answer common Aetna coverage questions we encounter so you can have peace of mind as you take the next steps toward healing.
Common Aetna Coverage Questions
What Does It Mean to Be In-Network?
As we examine Aetna insurance coverage questions, one of the foundational understandings you must have is recognizing the difference between an in-network and out-of-network provider. Getting treatment at an in-network treatment center means the provider accepts your insurance coverage.
According to the New Hampshire Insurance Department, an in-network provider will have a contract with an insurance carrier to provide services to its members at an agreed-upon rate. At Integrative Life Center, we’re in-network with Aetna and Blue Cross Blue Shield, for example.
Consequently, you pay lower out-of-pocket costs at an in-network provider. An out-of-network provider, on the other hand, won’t have a contract with your insurance carrier. This means you’ll end up paying more for your care if you choose an out-of-network treatment center.
Does Aetna Cover Rehabilitation from Drugs or Alcohol?
Yes, Aetna insurance can cover alcohol or drug rehab. With any coverage plan, it’s best to check your benefits to verify whether your insurance works with a particular treatment plan. We can help you navigate your insurance to ensure you have the facts before making a decision. But in general, an Aetna drug rehab coverage plan may cover both residential, inpatient substance use disorder treatment, as well as outpatient rehab.
Does Aetna Cover Inpatient Mental Health Treatment?
Mental health disorders, like substance use disorders, often require a full spectrum of care. As such, one of the Aetna coverage questions you may have could involve insurance for inpatient treatment. After all, the residential treatment phase is one of the most intensive levels of care in the recovery process. Inpatient treatment can include:
- Temporary housing at the treatment center’s gender-specific campus
- 24/7 care
- 35 hours per week of group therapy for multiple weeks
- Catered meals
- Individual therapy sessions
- Psychiatric care and medication management
With that said, does Aetna cover inpatient mental health treatment? Because we’re in-network with Aetna, coverage will typically apply to our residential level of mental health treatment. Again, it’s best to reach out to us beforehand to verify your Aetna mental health insurance benefits.
What’s the Process for Determining My Insurance Coverage?
When you begin treatment, your verification of benefits will determine what, if any, out-of-pocket costs you’ll need to pay. The cost of admission for treatment will vary as a result. At Integrative LIfe Center, we follow a standard process to determine your insurance coverage and your costs:
- Benefits verification: We partner with you to review your insurance plan details with Aetna.
- Coverage and cost confirmation: Once your insurance plan is analyzed, we determine what costs will be covered by Aetna and the amount you’ll need to pay yourself.
- Client authorization: Aetna provides us with your prior authorization. Once you’re in treatment, additional authorizations or reviews may be requested as your therapy progresses.
- Insurance claims processing: We submit all your insurance claims and address any extemporaneous insurance issues so you can focus on your healing and recovery.
Does Aetna Cover Both Therapy and Medication?
Each person’s treatment journey is unique and personalized at Integrative Life Center. Some treatment plans will involve medication-assisted recovery and others won’t. All will include a mixture of evidence-based therapies and experiential therapies.
Considering this common Aetna coverage question, your insurance plan may or may not cover both therapy and medication. On the other hand, both may be fully or partially covered. We’ll work with you to determine your coverage so we can create the tailored plan of care that best meets your individual needs.
Get Answers to Your Aetna Coverage Questions and Find Long-Term Healing
You may have more Aetna coverage questions as you consider your treatment options. If so, we can help at Integrative Life Center in Nashville, TN. We’ve been doing this a long time, so we’re pros at navigating the insurance world for our treatment clients. The next step in the process would be to verify your insurance with our team.
And if you’re unsure whether you need treatment for your mental health or addiction struggles, we can help with that, too. Call our admissions team today to get clarity on how to obtain the lasting healing you deserve.
The post Common Aetna Coverage Questions, Answered: Addiction & Mental Health Treatment appeared first on Integrative Life Center.
source https://integrativelifecenter.com/treatment-programs/common-aetna-coverage-questions-answered-addiction-mental-health-treatment/
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