Has drugs or alcohol taken control of your life? Do notice major changes in your family, work, and personal life? In the midst of all this chaos, have you finally summoned the courage to seek treatment? It’s a brave step to help you regain control of your life. Of course, the decision comes with some anxiety.
You probably have more questions than answer when it comes to starting addiction therapy. You may wonder how long treatment may take or what it will be like. And, of course, you want to know what it will cost.
If you have health insurance, chances are at least part of you inpatient or outpatient addiction treatment will be covered. The actual coverage often depends on where you live and the terms of your health insurance policy.
Aetna Drug Rehab Coverage
Aetna has many different types of policies with varying levels of coverage. This includes different deductibles, copays, and coinsurance. Atena offers policies through employers, Medicare, or by individual plans purchased at the health insurance marketplace. These plans may be Preferred Provider Organizations (PPOs) or Health Maintenance Organizations (HMOs). Generally, PPOs cost more upfront, but they have a larger network and cover more of your treatment. HMOs, on the other hand, may have lower monthly payments, but you may have to pay more out-of-pocket and have less options for in-network providers.
So what would addiction treatment cost with Aetna? A sample of an Aetna PPO coverage plan states outpatient services would cost $35 for an office visit and you paying 20% coinsurance for other in-network outpatient services. In addition, inpatient drug rehab would also have you paying 20% of the cost. If you visit an out-of-network inpatient or outpatient facility, 40% of the costs would come out of your pocket.
Of course, many plans are different based on where you live and your individual policy. The best way to find out how much addiction treatment would cost is by reviewing your summary of benefits. Reading over these documents can be confusing. Luckily, support is available to better understand your plan.
Getting to Know Your Aetna Plan
Understanding the specifics of your Aetna plan gives you insights into where you can recieve addiction treatment and how much it will cost you out-of-pocket. Of course, understanding an insurance policy can be overwhelming. It’s like insurance companies speak a whole different language. Don’t let this stop you. There are resources to help you understand your plan including:
- Speaking with your employer’s human resources department. If you get Aetna insurance from your employer, someone in your human resources department can explain your plan in simple language. You may, however feel a little uneasy discussing addiction services with your employer.
- Calling an Aetna representative. On the back of your medical ID card is a phone number for Member Services. Calling the number will put you in touch with a knowledgeable representative ready to answer your questions and discuss policy coverage.
- Going online. If you rather see your plan or access information through the internet, you could visit the Aetna website to find your plan’s Summary of Benefits and Coverage. In addition, you can find out what addiction service providers are in-network.
- Contacting your desired treatment facility. If you have a addiction therapy provider in mind, contacting an admissions specialist can be a helpful resource. Since they work with different types of insurance companies and plans, they offer a wealth of knowledge about the insurance process. You could also find out if your insurance qualifies and the steps you need to be admitted into an inpatient or outpatient program.
Paying Out-of-Pocket for Addiction Treatment
Chances are you are going to pay something out-of-pocket for your addiction treatment. While it may seem discouraging because you have bills to pay and other financial obligations, it shouldn’t stop you from getting the help you need. After all, addiction therapy is an investment in your future health and well-being.
To put things in perspective: How much money have you spent on your drug of choice? Has it impacted your career and family life? What if you finally have the chance to get clean? Think of the money you will save and how your career and family will benefit. As you could see, the money you spend on treatment can pay off in the long run