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Aetna is In-Network with AAC

Aetna Insurance Coverage for Drug and Alcohol Rehab

Yes. Aetna covers drug and alcohol rehab.
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Does Aetna Insurance Cover Drug or Alcohol Rehab?

Aetna drug rehab coverage depends on a member’s particular Aetna health plan and the addiction treatment provider they choose. There are many rehab centers that take Aetna insurance, including American Addiction Centers’ Recovery First Treatment Center in Hollywood, Florida; River Oaks Treatment Center outside of Tampa; Oxford Treatment Center in Etta, Mississippi; Greenhouse Treatment Center in the Dallas-Fort Worth area of Texas; and Desert Hope Treatment Center in Las Vegas. At AAC, we are in-network with Aetna health insurance and offer different levels of care for those with substance misuse issues and addiction. We are in-network with many insurance companies, including Aetna, which means that your addiction treatment could be covered fully or partially depending on your policy.

Does Aetna Cover Mental Health and Substance Abuse Treatment?

To learn more about your Aetna substance use and mental health coverage, you can access the online program that allows you to view your coverage details, make claims, search for providers, and much more.6

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.7 You can find information on all types of providers there, including professionals and centers that treat substance misuse and substance addiction.

For mental and behavioral health problems, you are given access to psychiatrists, psychologists, counselors, therapists, social workers, psychiatric nurse practitioners, and primary care doctors.8 In many cases, mental health problems 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.

Use the search form below to find out if substance addiction treatment is covered by your insurance with us.

Does Aetna Cover Outpatient Rehab?

Outpatient treatment includes a range of services and care levels based on the American Society of Addiction Medicine’s (ASAM) continuum of care. Basic outpatient services are level 1 within ASAM’s levels of care, which range from .5 to 4. However, level 2 (including 2.1 and 2.5) is also considered outpatient services, and these levels include intensive outpatient programs (IOPs) as well as partial hospitalization programs (PHPs).10

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.11

With IOPs, services are similar to Level 1 outpatient services, but they’re on a more intense scale.12 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.13 They provide slightly less-intenstive care than an inpatient rehab, but higher levels of care than a traditional outpatient program.14

Thanks to the Affordable Care Act (ACA), all health insurance coverage (except grandfathered plans) must offer substance use disorder and mental health services. Plus, any plan purchased through the Marketplace can’t have a cap on the amount of substance use or mental health treatment covered.15

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’ various facilities offer a host of outpatient services, ranging from detox and inpatient treatment to the aforementioned outpatient care, PHP, and IOP services. Specific facilities provide aftercare options as well.

When it comes to Aetna IOP coverage and Aetna’s outpatient 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 allow us to 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.

How to Check Aetna Rehab Coverage

Aetna health insurance has many different insurance plans with different levels of coverage. Depending on your plan, your addiction treatment could be covered. AAC has facilities across the country, offering different levels of care. To learn more about AAC’s rehabilitation options and Aetna addiction treatment coverage, give us a call at Or you can verify your insurance by filling out the form below.

Plan Types

Types of Aetna Insurance Plans

Aetna offers open-access plans, copay only plans, and high-deductible plans.3

  • 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.

Aetna offers many local plans supported by the national network of providers to better support patients at the community level. For example, at American Addiction Centers, our facilities frequently provide care for patients of Schaller Anderson Aetna Better Health networks of New York and Ohio.4,5

American Addiction Centers strives to provide you with the most updated information on each carrier’s addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.

Aetna Substance Abuse Coverage

If you have Aetna health insurance, you may qualify for the following Aetna alcohol treatment and drug addiction programs:9

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

Check your specific plan, or contact an Aetna representative, to confirm your level of coverage, if any, for out-of-network providers.

To learn more about your coverage with Aetna or find Aetna in-network inpatient rehab or outpatient substance abuse programs, call the number on your insurance card. For questions about drug or alcohol substance abuse coverage contact your insurance provider for more information.

Provider Overview

What Is Aetna Insurance & How Does It Work?

Founded in 1853 and active in all 50 states, Aetna’s network coverage includes 1.2 million healthcare professionals, almost 700,000 primary care doctors and specialist and over 5,700 hospitals.1

The company has over 46 million members in its various health plans, including regular health insurance, dental insurance, and vision insurance.2

Aetna is a subsidiary of CVS Health after CVS Health acquired Aetna in 2018.

Find Rehabs That Take Aetna Insurance Near Me

Our Insurance Statistics

Our Insurance Statistics

  • Over 29,000 people have used Insurance to attend treatment at one of our facilities since 2020.
  • Over 1,700 people have used Aetna to attend treatment since 2020.
  • Our verification of benefits form has been filled out over 400 times for Aetna insurance since 2020.
  • Aetna has an over 80% acceptance rate for one of our facilities when using our online form.
  • See if you are in-network with us.
Next Steps

The next steps to getting treatment include, reaching out, finalizing the plan, and getting to treatment.

  • Step 1: Contact us at Or fill in our insurance verification form below and one of our caring admissions navigators will reach out to discuss your options at American Addiction Centers.
  • Step 2: Talk with one of our navigators about your physical, mental, and financial situation so they can help you create a treatment plan and find the best placement for you. Our team will communicate with you to determine your treatment needs, discuss costs and insurance coverage, and help you set up travel to one of our rehab facilities.
  • Step 3: Arrive and begin treatment.


  1. AetnaAetna Home Page.
  2. Aetna. Aetna Facts.
  3. Aetna. Medical Insurance Plans for Individuals and Families.
  4. Aetna. Aetna Better Health of New York.
  5. Aetna. Aetna Better Health of Ohio.
  6. Aetna. Take Charge with Your Member Website.
  7. Aetna. Find Doctor, Dentist, or Hospital.
  8. AetnaMake Time for You.
  9. AetnaAlcohol and Drug Treatment.
  10. American Society of Addiction Medicine. (n.d.). About the ASAM criteria.
  11. Medicaid Innovation Accelerator Program. (2017, April). Overview of substance use disorder (SUD) care clinical guidelines: a resource for states developing SUD delivery system reform.
  12. Monterey County Behavioral Health. (n.d.). ASAM levels of care.
  13. Khawaja, I.S., & WesterMeyer, J.J. (2010). Providing crisis-oriented and recovery-based treatment in partial hospitalization programs. Psychiatry, 7(2), 28-31.
  14. McCarty, D., Braude, L., Lyman, D.R., Dougherty, R.H., Daniels, A.S., Ghose, S.S., & Delphin-Rittmon, M.E. (2014). Substance abuse intensive outpatient programs: Assessing the evidencePsychiatric Services, 65(6), 718-726.
  15. (n.d.) Health benefits & coverage: mental health & substance abuse coverage. Accessed March 2023.
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Rehabs That May Accept Aetna Insurance

American Addiction Centers (AAC) owns and operates facilities at various locations nationwide to provide you or your loved one addiction and mental health care.
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We know you have options when it comes to addiction treatment. That’s why American Addiction Centers goes above and beyond to help you achieve and maintain sobriety.

Frequently Asked Questions

What substance addiction does health insurance coverage include?

Health insurance providers typically cover rehab treatment for most types of substance addiction; including alcohol, suboxone, heroin, cocaine and meth and rehab for drug addiction.

Does Aetna cover outpatient treatment?

Aetna may cover outpatient treatment programs depending on your individual coverage. Outpatient treatment programs may include Intensive Outpatient Treatment Programs (IOP) and/or Partial Hospitalization programs which are a longer and more intensive than IOP. Call us for more details and whether Aetna will be able to cover these services.
About The Contributor
A Senior Web Content Editor for the American Addiction Centers. Sarah has worked with healthcare facilities across the country to create digital cont … Read More

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