Aetna sells traditional and consumer-directed health insurance plans and related services, including medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans.
The Hartford, Conn.-based company offers health care, dental, pharmacy, group life, disability, and long-term care insurance and employee benefits, primarily through employer-paid insurance and benefit programs, as well as through Medicare. As of September 2016, Aetna reported more than 23 million members.
In late 2017, pharmacy giant CVS announced it would purchase Aetna for an estimated $69 billion. The New York Timessaid the deal will “reshape the American health care industry” now that it includes a health insurer, a retail pharmacy, and a pharmacy benefits manager (PBM), which negotiates prescription drug prices with drug manufacturers.
Aetna’s Coverage of Addiction Treatment
Aetna’s open-access, copay-only, and high-deductible health insurance plans can all help to pay for drug rehab and addiction treatment, but coverage options and costs can vary.
The company 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 network, there are additional costs. One is advised to check one’s own specific plan, or contact an Aetna representative, to confirm the level of coverage, if any, for out-of-network providers.
If you have Aetna health insurance, you may be covered for the following treatments:
– Inpatient/residential rehabilitation
– Partial Hospital Program (PHP) treatment
– Intensive Outpatient (IOP) treatment
– Continuing care programs
There are more than 60 treatment centers in Florida for drug and alcohol abuse that are covered by Aetna insurance. It can be partially or totally covered depending on your policy contract.
In 2012, Aetna announced a partnership with CRC Health Group to treat those with opioid addiction. As prescription painkiller addiction has been recognized by the Centers of Disease Control as a nationwide epidemic, the move opens up treatment options to those in the Aetna network who in need of care. For prescription drug abuse issues, Aetna’s plan covers therapy and 12-Step programs, in addition to medical detox.
Finding the Best Treatment
Studying up on insurance options can be overwhelming, especially if you or someone you know is suffering with addiction. Of course, knowledgeable advisors are available—they can verify your insurance coverage and find the best treatment for you. Call your insurance provider and ask an informed representative about the details of your individual plan.