Aetna Insurance For Rehab In Dickson, TN
Addiction can and substance use can wreak havoc on one’s life and the lives of those they love. Getting clean can be challenging and overwhelming. Many may ask themselves “Where do I start?” or “How will I afford it?”
Here at Freeman Recovery Center, we understand the challenges of getting treatment. We offer multiple treatment programs, and we work with Aetna insurance for rehab in Dickson.
What is Aetna?
Aetna is a subsidiary of CVS Health. The company has a vast network with more than 22 million medical providers, 12.7 million dental members, 13 million pharmacy benefit management services, 12 million healthcare professionals, and 700,000 primary care doctors and specialists.
Aetna offers consumer health insurance and other relevant services which cover:
- Behavioral health
- Long-term care
These plans are typically accessible via employer-paid insurance, medicare, and benefit programs.
What Does Aetna Cover?
Aetna works with a person’s individual treatment needs to find nearby treatment options for substance addictions. Coverage depends on a person’s specific individual plan. Thus, someone should contact their insurance provider to determine what their plan covers.
Aetna offers plans that cover the following substance abuse treatments:
- Inpatient rehabilitation
- Residential rehabilitation
- Partial hospital treatment
- Intensive outpatient treatment
- Continuing care programs
Further, Aetna offers Continuing care programs. With Continuing care, members meet weekly and receive support. Social events are organized to celebrate the members’ recovery achievements. Continuing care helps people stay connected to a community that provides them with ongoing support during recovery.
Aetna and Detox
Aetna covers medical detox for beneficiaries. A medical detox is when someone is medically supervised while being weaned off of substances. A detox removes all traces of various substances such as heroin, alcohol, and other drugs. This process can be extremely difficult because of the intense side effects that come with functioning without drugs or alcohol.
Medical detox is recommended over detoxing alone because it helps to ease the symptoms of withdrawal. Under medical supervision, a client is safely and comfortably weaned off of drugs. In addition, the detox period can vary from person to person, but the typical stay in detox is five to 10 days.
Thankfully, Aetna also covers medications that are used during the detox process. These medications help to ease the side effects of withdrawal from drugs and alcohol.
These drugs include:
For Opioid Detox
- Buprenorphine: This drug helps to reduce opiate withdrawal symptoms.
- Naltrexone: This drug helps to block opioid receptors in the brain. In addition, it blocks opioid receptors in the brain, essentially making the effects of the drugs ineffective. This helps to prevent relapse.
For Alcohol Detox
- Acamprosate: This drug reduces withdrawal symptoms.
- Naltrexone: The drug blocks the receptors in the brain for alcohol.
- Clonidine: This treats alcohol and opiate withdrawal symptoms. Furthermore, it reduces the risk of a seizure.
Does Aetna Cover Treatment Out-of-Network?
Does Aetna cover treatment out-of-network? This is an understandable common concern. The short answer is yes. However, this depends on the individual plan. There are plans that do not require service providers to be in-network, however, the out-of-pocket costs for these providers may be more.
It is important to note out-of-network programs have not been screened for treatment that is within the current standards of practice. To learn more about out-of-network programs speak with an Aetna representative.
How Many Rehab Stays Does Aetna Cover?
The journey to recovery is not always a straight line. Sometimes, clients may need additional treatment. Aetna understands this. They will not terminate coverage if a person needs additional treatment. Believe it or not, it is illegal for insurance providers to raise premiums once an individual has used coverage for addiction treatment.
If a client needs additional treatment, they should contact Aetna to let them know. In addition, the client’s doctor should also be aware and available to confirm the client needs more treatment.
Moreover, Aetna covers outpatient care including:
- Intensive outpatient (IOP)
- Partial hospitalization programs (PHP)
With these programs, the client can stay at home while receiving mental health treatment during the day. Coupled with these options, Aetna also covers individual counseling. Clients can receive counseling during their treatment or after treatment.
Aetna Coverage for Outpatient Treatment
An outpatient rehab program provides treatment sessions for drug and alcohol abuse. An outpatient program allows clients to continue living at home while receiving treatment. These programs are ideal for people who have regular responsibilities. Clients are required to check into treatment at allotted times for counseling and medication.
Outpatient rehab coverage via Aetna can vary depending on a person’s individual health plan. Some Aetna policies may not have an option for outpatient services, or there may be a coinsurance percentage. There are plans that have a set copay per visit. The biggest factors that determine coinsurance and co-pays are typically location and type of insurance coverage.
Aetna Coverage for Inpatient Treatment
Inpatient treatment is a residential treatment program. The average stay is 30 days, however, most addiction facilities offer longer programs as well. These longer programs can last from 60 to 90 days, and sometimes even longer, depending on the program.
With in-network providers, Aetna has plans that have 0% coinsurance. This is insurance that kicks in when the full deductible is paid. There are other plans that require a copay per admission for different types of services. As far as out-of-network providers are concerned, coverage can vary depending on location and the type of plan.
Some plans don’t cover any out-of-network treatment. In contrast, there are other plans that may have 30 to 50% coinsurance. There is typically a pre-certification requirement for out-of-network services. If the pre-certification requirement is not met, there may be a penalty.
Get Aetna Covered Rehab in Dickson, TN
Do you or someone you love need help treating a substance use disorder? Here at the Freeman Recovery Center, we understand that recovery can be difficult and even dangerous when attempted alone. We offer hands-on care and therapy services for a variety of conditions. We accept Aetna insurance to cover drug and alcohol rehab.
Contact us to start your recovery journey.