Using Aetna Insurance to Pay for a Drug Rehab Center

Content Overview

How can I use Aetna Insurance pay for my drug rehab?

Aetna offers open-access, copay-only, and high-deductible health insurance plans. All could help you to pay for drug rehab, but the coverage options and costs involved can vary dramatically. Use Aetna’s online tool to view coverage details, and contact customer service support online to ensure that the program you would like to use is covered by the plan you are enrolled in.

Aetna is a part of the Fortune 100 and one of the nation’s largest health insurance companies.
 
Founded in 1850 and active in all 50 states, Aetna employs over 34,000 employees, and has over 470 thousand doctors and providers in its network. Its self-stated goal is to create a better health care system that is simple for patients and transparent about its motives.

The company has over 46 million members in its various health plans, including regular health insurance, dental insurance, and vision insurance.

Subsidiaries of Aetna include:

  • ActiveHealth Management
  • Aetna Student Health
  • Schaller Anderson
  • Strategic Resource Company
  • Aetna Capital Management
  • Cofinity
  • Medicity
Aetna offers open-access plans, copay only plans, and high-deductible plans. Open-access plans allow you to choose your doctors; they don’t require a referral, and they don’t require a primary care physician. Copay-only plans will guarantee that your costs after paying your deductible are only copays, with primary care physician visits and generic drugs covered before you hit your deductible. High-deductible plans offer preventative care services before the deductible is met, sometimes coverage through a primary care physician before the deductible is met (with copay), and the option of a health savings account. To view your plan’s details, you can log into the member website.

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Coverage through Aetna

Diagnostics of Mental HealthTo learn more about your health coverage through Aetna, you can utilize Aetna’s Navigator, an online program that allows you to view your coverage details, make claims, search for providers, and much more. Simply logging in gives you access to a wide variety of resources for Aetna users. You can also visit the Find a Doctor portion of their website to search for providers. You can find information on all types of providers there, including professionals and centers that treat substance abuse and addiction issues.

Aetna also provides patients with a virtual health assistant named Ann, who can answer general health questions, as well as questions about Aetna coverage. They also offer an app, iTriage, so you can manage your health from wherever you happen to be; it’s a practical and easy way to manage health concerns from your smartphone.

For mental health problems, you are given access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care doctors. Because mental health problems often go hand in hand with substance abuse, it is important to address mental health concerns if you are seeking care for substance abuse issues.


Simultaneous treatment that addresses all areas of concern is recommended for the best chances at sustained recovery.


Rehabilitation with Aetna

If you have Aetna health insurance, you are covered for the following treatments:

  • Detoxification
  • Inpatient/residential rehabilitation
  • Partial hospital treatment
  • Intensive outpatient treatment
  • Continuing care programs (“alumni” programs)

Aetna determines coverage on an individual basis, rather than setting a limit on the number of days a patient may be in treatment. To receive treatment from a provider out of Aetna’s network, there are additional costs. Check your specific plan, or contact an Aetna representative, to confirm your level of coverage, if any, for out-of-network providers.

In 2012, Aetna announced a partnership with CRC Health Group to treat those with opioid addiction. As prescription painkiller addiction has been recognized by CDC as an epidemic in the US, Aetna’s move opens up treatment options to those who in the Aetna network who are in need of care.


When you are seeking rehabilitation or treatment for substance abuse or addiction, you can rest assured that this information will remain confidential. Aetna will only share information with providers as needed and with your permission.


For prescription drug abuse issues, Aetna’s plan calls for therapy and 12-Step programs, in addition to medical detox, as needed. The length of stay in a rehabilitation center will depends on your specific plan and situation, in much the same way as it would with other health insurance plans. Just as each person is unique, treatment for addiction should be customized to the individual. Regular assessments are imperative to ensure treatment remains effective.

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