Aetna Rehab Coverage

Only a tiny percentage of persons in the United States with substance abuse problems get treatment. Several obstacles might discourage or hinder someone from seeking substance use disorder treatment. The cost is one of the most frequent obstacles to therapy. Drug rehab is a long-term treatment program that frequently includes inpatient care. Drug treatment, like other kinds of long-term healthcare, may be costly.

However, many health insurance companies provide drug treatment coverage. As a result, we at Little Creek Recovery would like to give you a hand in finding out if your insurer will cover the expenses for rehab. Therefore we will discuss all there is to know about Aetna rehab coverage. 

But first, let us learn a bit more about what Aetna insurance is and what it is about.

Scrabble letters spelling health insurance
Having health insurance like Aetna that covers rehab treatment is ideal.

What are the types of Aetna Insurance Plans?

First, we need to state that Aetna offers individual, family, or group plans. These plans divide into three categories:

  • Open access plan – Open access health insurance enables individuals to see whatever health care providers they want. Individuals do not need a recommendation from a primary care physician to see providers. Still, they may have to pay a higher co-pay or coinsurance if they see physicians outside the insurance company’s authorized tier.
  • Copay-only plan – A copay, also known as a copayment, is a fixed amount you pay for health care services at the time of treatment. For example, you may have to pay a $20 charge each time you visit your primary care physician, a $15 premium for each monthly medicine, and a $200 copay for an emergency department visit.
  • High-deductible plan – A HDHP is a type of health insurance coverage with a low monthly cost but a large deductible. Before the deductible is reached, most HDHPs cover all preventative, in-network treatment in full. Individuals who need other medical services must pay the full deductible before receiving coverage.

How do you Check if your Aetna Insurance has Rehab Coverage?

Before you check yourself or a loved one into a rehab center, it is good to know if your insurance will cover the treatment. As a result, you should research to find out the answer. But where to look? Who to ask? First, call the recovery center you have in mind and ask them to check for you. Second, you can look at your insurance policy and see what it covers. Third, you can call your insurance provider and ask them for information regarding your insurance. Last, you can reach out to Aetna online on their website and check your policy information. So you don’t have to worry. There are plenty of ways to determine if you have Aetna rehab coverage through your insurance.

What can Aetna Insurance Cover in Rehab?

Contact your insurance provider to determine what your specific plan covers, including copays and deductibles. Those with Aetna policy may have coverage for the following substance abuse treatment options:


Detoxification removes all traces of substance abuse from the body, ensuring that the individual is physiologically stable and ready to begin the addiction treatment. It is not usually included in addiction treatment, although it is frequently expected when attending rehab. Furthermore, the clinical program that provides for detoxification is meant to reduce the impact of withdrawal symptoms safely and comfortably. Detox is done in a specialized center under the close supervision of physicians, nurses, and other healthcare professionals. 

Hands reaching out to each other to offer support in rehab
Aetna rehab coverage is a helping hand toward a better life.

Inpatient Rehabilitation

Inpatient treatment, often known as residential treatment, offers the most comprehensive rehab treatments to people suffering from alcohol or other substance addiction. These types of substance abuse treatment programs often incorporate medical detox and integrated mental health care. Furthermore, an inpatient rehab program entails staying in a facility for the necessary rehab treatment and care. That entails being accepted to a rehabilitation program and staying there until therapy is completed, just like in a regular hospital. Depending on your demands, the length of your stay might range from a few days to a month or more. These programs may be provided in rehabilitation or acute-care hospitals and skilled nursing facilities.

Partial Hospitalization Treatment

After finishing a residential program, the next stage in the rehabilitation process is a partial hospitalization program (PHP). It takes many weeks for patients to adapt to being at home while continuing treatment 6-8 hours per day, 3-5 days per week. Therefore, patients will require a stable and supportive home setting that will not conflict with the recovery process and the ability to abstain from drugs or alcohol with little monitoring.

Intensive Outpatient Program 

An intense outpatient program (IOP) assists persons with various mental health and drug addiction difficulties. It is a suitable alternative for persons with problems doing daily duties but not putting themselves or others at urgent risk. IOP enables patients to live at home rather than at the center in an inpatient program. Patients will attend group sessions daily to learn the tools and skills to live a healthy, happy, and sober life. Patients will be able to rely on the assistance of their therapist, physician,  and peers.

Continuum of Care Program

A continuum of care is a thorough plan a person will require to stay clean after completing residential treatment. It is a system in which patients are guided and monitored as they advance through all levels and intensities of treatment throughout time. An essential part of continuum care is the aftercare that patients will need when they return home. As a result, choosing a drug and alcohol addiction treatment center that provides a strong aftercare program as part of the continuum of care is critical. 

Aftercare is the assistance you receive after finishing treatment. It’s useful when you’re attempting to get back into a habit. That is the time when many people in recovery experience relapse. However, staying focused is simpler if you have an aftercare program that provides continuing support. 

Aetna rehab Coverage is Guaranteed?

As you might expect, even if your insurance could cover your rehab treatment, you must undergo a screening process. Therefore, expect the rehab center that you choose to ask you questions about your substance abuse. All the information you provide is confidential, and it is necessary to guarantee you will receive the best possible treatment. Each addiction is different, so rehab programs are personalized. As a result, the professionals you will work with need to know what they are working against. If you reach the substance use disorder diagnosis and the treatment facility has a plan of action and a list of programs you will be attending, reach out to your insurer. To know your next step, see if the programs will be covered partially or fully.

Aetna Alcohol Rehab Coverage

You might be asking yourself if your Aetna insurance covers alcohol rehab. In that case, you will be happy to hear that Aetna does cover alcohol addiction treatment, either partially or entirely. However, because each person’s plan is unique, you should contact your insurer to learn the specifics of your insurance plan. That way, you will know if you can attend inpatient, outpatient, or residential treatment and see if individual and group therapy are also an option.

Aetna Drug Rehab Coverage

If you’re curious if your insurance covers drug rehab, you need to know where to look for answers. The short answer is that Aetna does cover drug rehab. However, once again, the amount Aetna covers heavily depends on your plan.  Several factors, like your specific needs, whether you require inpatient or outpatient care, and the length of your stay, will determine your coverage. Those will influence the cost of your treatment and how much Aetna will pay. 

Woman that needs rehab due to drug abuse
Addictions change your life, your look, and your behavior.

Aetna rehab medicine coverage

Prescription medicine is sometimes provided by treatment centers to alleviate withdrawal symptoms. Examples of such medicines are Suboxone, Antabuse, and Methadone. Aetna does cover a range of medications, including opioid addiction medicine. It all depends on your insurance, area, and history of substance abuse.  So contact Aetna to check whether your plan covers the cost of the medicine used in your treatment.

Do you Need to Choose a Specific Clinic to Have Aetna Rehab Coverage?

To have the full benefits of your insurance, you will almost always need to seek treatment at a rehab clinic that is in-network with Aetna. However, even if you pick an in-network drug addiction center, you might have to pay some treatment fees. At the same time, if you prefer an out-of-network center, you can expect to pay for the whole expense of your rehab treatment. Therefore, before picking a rehab center, check to see if it is in-network or not.

What if your insurance doesn’t cover all rehab?

If your Aetna insurance does not cover all of your rehab costs, it is still vital that you get addiction treatment. Furthermore, when you decide to go to treatment, you don’t have to use your insurance. There are several alternative options for financing your therapy and obtaining the assistance you need. Here are some examples:

  • Payment plans – Several treatment centers provide financing alternatives that allow you to pay back the cost of treatment in smaller steps once you have completed treatment.
  • Grants or scholarships – Some treatment centers provide scholarships to people in need, covering all or a portion of the cost. Some state administrations also provide scholarships and grants to individuals who need assistance paying for rehab treatment.
  • Family help – Although it is hard for some patients to ask their families for help, it is worth a try. Many patients are pleasantly surprised to see how much mental and financial support their loved ones can offer them.
  • Loans and credit cards – If borrowing money from a friend or family member is not an option, there are alternative options for funding addiction treatment. Paying for it using a credit card or a bank loan are two frequent possibilities. The credit card’s repayment conditions may make it simple to make payments.
  • Personal money – If you have the possibility, you can always pay for your rehab treatment with your savings.
Person putting money in a piggy bank for rehab
Other solutions exist to pay for your treatment if you don’t have Aetna rehab coverage.

Aetna Rehab Coverage at Little Creek Recovery

Addiction comes at a high cost. You, your family, your friends, your community, and society pay the price. In money and the loss of a child, friend, spouse, or coworker. However, nothing should be more valuable than life. Therefore, if you or someone you know is ready to step out of the addiction shadow and step into the rehabilitation light, now is the moment! Getting treatment is worthwhile whether you have Aetna rehab coverage for substance abuse treatment or no insurance at all. For us at Little Creek Recovery, your life is more precious. And with our help, you can start your journey to recovery and long-term sobriety. So contact us, and we will check your insurance or help you find a solution.

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