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Will My Aetna Policy Cover Drug Rehabilitation?

The first step of using your insurance policy is contacting your insurance company. This can cause some people a lot of anxiety. Many people have difficulty navigating insurance company policies. Our trained staff will navigate the ins and outs of your policy to make your insurance work for you. All you should have to worry about at this stage of your life is starting your road to recovery for drugs and/or alcohol

What is Aetna Insurance?

Aetna is one of the largest insurance companies in the nation. It is also on the Fortune 100 list. Fortune 100 companies are the top-ranked 100 companies in the United States. It was founded in 1853 to create better health care for patients. They also wanted to provide a more transparent system than most companies had during that era. Transparency is when a company is open about its actions. This helps the public and third-party reviewers who help customers know what is going on in the company.

Does Aetna Insurance Have Any Other Names?

Aetna is not the only company that provides Aetna insurance. Aetna has several other companies they own and control. These companies are:

  • ActiveHealth Management
  • Aetna Student Health
  • Schaller Anderson
  • Strategic Resource Company
  • Aetna Capital Management
  • Cofinity
  • Medicity

Individuals who have Aetna Policies might have the following things covered: 

What Are Other Benefits of Aetna Healthcare that I can Use? 

Aetna believes in follow up care for addiction treatment. Their clients meet weekly for various treatments, and social events to celebrate their client’s success. Preventative care is a practice in healthcare systems that are growing in popularity. This makes care for things that are caused by liver disease caused by alcoholism financially easier as companies are eager to “solve problems before they start”. This also makes insurance ideal for people who are at risk for developing addictions. Part of Aetna’s preventative care measures is reducing healthcare costs, helping minimize the severity of drug and alcohol use, the risk of trauma that might have long-lasting and harmful effects on a person.

What Should I Do If My Insurance Won’t Cover My Treatment for Drugs or Alcohol?

Many people are suspicious of insurance companies and wonder ‘what’s in it for them?’ when they see good coverage. Insurance companies, in particular, are notorious for trying to not pay when someone needs their money. Not only do we here at DreamLife Recovery keep them from breaking their legal obligation, but preventative care is also part of ‘what’s in it’ for these companies.

What is Preventive Care?

For example, when someone seeks care for something like an alcohol addiction paying, or at least helping their customer pay, for their treatment is far more cost-efficient than not paying. If that person crashes into someone while driving drunk, has to stay in the hospital a long time for alcohol-related illnesses like liver damage, ends up with brain damage from continued overuse of alcohol, or is subject to any other disaster, the insurance company will often be the one that is liable. Not only will they have to pay much, much more to their customer, but they will often have to reimburse people that their customer injured by maybe hitting them with their car while driving under the influence of alcohol.

What Happens if an Insurance Company Loses a Case?

Court cases can run to the millions of dollars for each settlement and potentially more for each trial the plaintiff (the person suing the company) wins. If someone wins a trial it is even worse for the company than just losing the money from that case, because that case helps set legal “precedent”. Precedent is the system of guidelines that a judge uses to guide them in making decisions on cases where the law either has not caught up with modern situations or is unclear. Precedent is a secondary system of laws. If someone sues the insurance company and wins in a trial, the “door is opened” wider and even more people have the chance of a successful suit against the company.


Do Insurance Companies Do More Than Pay Money?

Part of the way that companies prevent both catastrophic and more minor but still substantial claims is to engage in preventative care. This can include free pre-cancer screenings, initiating healthy lifestyle programs for people who are in danger of diabetes, and the above-mentioned network of therapists to help someone who is on the road to recovery from addiction stay on the road to recovery and to not relapse.  

Does Aetna Pay for Therapy?

Aetna also provides a group of therapists who are covered by Aetna insurance so that you will receive the highest quality of care at the lowest cost to you. These therapists will help you on your continued road to recovery after your stay at an addiction center.

What Sort of Insurance does Aetna Offer?

  • Open Access Plans

These plans allow you to choose your doctor and facility. You do not have to be referred by a primary care physician. This means that you can go straight to your addiction clinic for admission and you do not have to worry about finding a doctor who is not trained in addiction who may or may not refer you. You also do not have to wait. Waiting to get treatment can be hard. It is best for you to get into treatment as soon as possible.

  • Copay Only Plans

Copay plans mean that you only pay your costs until you meet your deductible. Sometimes deductibles can be high but this plan often means that the cost for your treatment will still be much lower than it would be for someone who does not have insurance

  • High Deductible Plans

High deductible plans offer preventative care. Preventative care services, in this case, are services that are provided by Aetna to help you before you enter the rehabilitation facility. High deductible plans also have the option of a health savings account. A health savings account is similar to a personal savings account that can be used for health care expenses provided by qualified healthcare professionals and centers. Healthcare saving has tax advantages. In many states money, you put into your healthcare savings plan is not taxed and you do not have to pay a federal income tax on health savings accounts.

When you use your healthcare, savings plan the money you take out of your account to pay your medical expenses is not taxed. Money from your Healthcare savings plan does not disappear at the end of the year. It rolls over to the next year.

What Is the Affordable Care Act?

If your insurance plan did not offer coverage for drug rehabilitation services before the Affordable Care Act, the Affordable Care Act has updated the policy so that you have access to insurance coverage for addiction recovery services and other mental health treatment services. Nearly 91% of Americans had health coverage in 2014. Some of the new required coverage for many plans includes:

  • Inpatient care in an approved facility
  • Outpatient care with an approved provider
  • Medical detox, including medications
  • Co-occurring mental health conditions
  • Follow-up counseling
  • Maintenance addiction medication


How Do I Know What My Insurance Covers?

At DreamLife Recovery, we will handle all of your insurance needs. We will advise you on how to pay your co-pay if you have one and how to handle your health savings account. We prescreen all of the insurance agencies that we are affiliated with. We help make sure that these insurance agencies pay the maximum they can and we work with them to establish care in your community. Establishing care is the first time you go to see a doctor. If you need a referral in your community you might have to go through a general practitioner unless you have an open-access plan. If you have an open-access plan you do not need a doctor’s referral. Sometimes a doctor will not refer you until you have established care and visited them at least one more time after your first visit.

How Do I Find a Therapist After I Finish My Drug or Alcohol Rehabilitation Program?

We understand that sometimes someone is new to a community or they are unsure of which doctor their insurance will cover. We will work with Aetna to help you find the right fit for you. You will have a say in whether you go to a mental health professional to get your referral or if you go to a general practitioner. It is a good idea to have access to both of these professionals and we will be happy to help you with your choice. We know what to look for and we have the feedback of countless alumni from our clinic and professional advice from other doctors in your area on who is the best fit for you.

Is Aetna a Good Insurance Company?

Here at DreamLife Recovery, we work with Aetna because they are one of the best insurance companies and they truly believe in preventative care. While an addiction center might not be considered ‘preventive’ to some it is in the true sense of the word. We like how Aetna provides its own services to help prevent you from relapsing. We think that you have made a smart choice in choosing Aetna and choosing us. Please contact us Or  Call us at: (844) 402-3592

Article Reviewed by Lidice Morales

Lidice MoralesLidice Morales, an honors graduate from the Kaiser University, has made a name for herself as the Director of Nursing at several behavioral health facilities and as the Director of Operations for Detox MD. Now she is the VP of Operations at DreamLife Recovery. She strives for better patient care through constant self-improvement and furthering her education. Her steadfast work ethic and passion in the field has remained the most important aspect of her professional career; showing dedication to not only the acquisition of new knowledge, but also its mastery. Lidice believes that a professional work atmosphere fosters cohesion and malleability amongst herself and her coworkers; thereby increasing both the level of patient care and quality of life.

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