Aetna Insurance Coverage for Drug and Alcohol Rehab

Does Aetna Insurance Cover Drug and Alcohol Rehab?

Aetna drug rehab coverage depends on a member’s particular Aetna health plan and the addiction treatment provider they choose. At American Addiction Centers (AAC), we are in-network with many health insurance companies, including Aetna, which means that your addiction treatment could be covered fully or partially depending on your policy. AAC offers different levels of care for those with substance misuse issues and addiction.

Does Aetna Cover Outpatient Rehab?

Outpatient treatment includes a range of services and levels of care based on the American Society of Addiction Medicine’s (ASAM) continuum of care. Outpatient services are level 1 within ASAM’s levels of care. However, level 2 is also considered outpatient services, and these levels include intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs).¹

With traditional outpatient rehab, patients stay in their own residences but attend individual and group treatment sessions at a healthcare, mental health, or treatment facility. Level 1 treatment typically involves fewer than 9 hours of services per week.²

With IOPs, services are similar to Level 1 outpatient services, but they’re more intensive.³ Again, patients live at home and attend treatment during the day, in the evenings, or on the weekends at a treatment facility. PHPs, on the other hand, are often considered the midway point between inpatient and outpatient care.⁴ They provide slightly less intensive care than an inpatient rehab, but higher levels of care than a traditional outpatient program.⁵

Thanks to the Affordable Care Act (ACA), all health insurance coverage must offer substance use disorder and mental health services.⁶ As such, Aetna plans provide coverage for substance use disorders. However, the scope of that coverage is dependent on the specific plan you have as well as whether your chosen provider is in-network or out-of-network with Aetna.

American Addiction Centers’ facilities offer a host of outpatient services, ranging from detox and inpatient treatment to the aforementioned outpatient care, PHP, IOP, and aftercare services. When it comes to Aetna’s drug rehab coverage, the best way to determine how much you’ll pay is to contact Aetna directly or reach out to us at and let us verify your insurance benefits for you.

Does Aetna Cover Therapy?

Aetna and other insurance companies typically cover individual therapy, such as cognitive behavioral therapy (CBT) for substance use disorders. The amount of coverage depends on a person’s specific health insurance plan and their chosen therapist.

Primary Mental Health Treatment Coverage

Aetna insurance is now in-network with American Addiction Centers at our River Oaks Primary Mental Health Facility in Riverview, FL. This partnership ensures greater access to high-quality mental health care as part of our ongoing commitment to the needs of Tampa Bay and surrounding areas.

How to Check Aetna Rehab Coverage

To learn more about your Aetna mental health and substance use disorder treatment coverage, you can access Aetna’s online member portal which allows you to view your coverage details, make claims, search for providers, and more.⁷

Simply logging in gives you access to a wide variety of Aetna resources. You can also visit the “Find a Doctor” portion of their website to search for providers.⁸ You can find information on all types of providers there, including professionals and centers that treat substance use disorders.

For mental and behavioral health problems, you are given access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care doctors.⁹ In many cases, mental health issues can co-occur with substance use, so it is important to address mental health concerns if you are seeking care for substance misuse and addiction.

To learn more about AAC’s treatment center options and Aetna addiction treatment coverage, give us a call at Or you can verify your insurance by filling out the form below.