Rehab Centers That Accept Aetna Insurance in Hawaii
Hawaii is a beautiful state that offers a wealth of opportunities to focus on improving personal health and well-being. Entering a rehab facility in Hawaii provides the chance to start fresh and obtain recovery goals, but that does not mean that an individual must pay for the entire cost of treatment personally. In general, Aetna policies allow individuals to seek treatment for addiction recovery and mental health disorders.
Coverage in Hawaii
Aetna policies in Hawaii usually fall into two main categories: group policies from an employer or Aetna’s Health Fund. The Aetna Health Fund is a consumer-driven policy that focuses on addressing the basic healthcare needs of each individual. It complies with the Affordable Care Act, so it does offer some coverage to help with mental health disorders and addiction.
The Health Fund also offers a Health Savings Account and Reimbursement strategy to help with the costs of treatment. Although it has a low monthly premium, Aetna’s Health Fund does have out-of-pocket expenses. The policy usually covers a percentage of a residential treatment program, such as covering 60 percent of the costs. The co-insurance or co-payment rates determine the amount that an individual pays as an out-of-pocket expense.
Group policies from an employer depend on the options an employer offers. In general, the policies pay for mental health disorder treatments and addiction recovery; however, the exact co-insurance rates vary. Out-patient treatments for addiction usually require a co-payment for each visit rather than a percentage of the costs.
Options to Pay for Emergencies
Substance abuse increases the risk of facing a medical emergency, but Aetna policies in Hawaii offer coverage for emergencies. When an individual in the family shows signs of substance abuse, such as excessive alcohol consumption or an overdose on a drug, the policy allows individuals to seek emergency care or use emergency detox services.
The exact coverage for emergency health concerns associated with addiction or a mental health disorder depends on the details in the policy. The policy will usually pay for a stated percentage of the costs or will set a maximum out-of-pocket expense for a single emergency visit.
When an emergency requires treatment in a residential program, Aetna policies in Hawaii usually offer some coverage to help with the costs. Pay attention to any limitations on the duration of treatment in a residential program, such as 30 days in one year, to avoid any confusion about the costs and the coverage.
Seeking Treatment for Addiction
Hawaii offers a variety of tools to help with long-term recovery goals and Aetna policies in the state allow individuals to seek treatment for long-term goals. In general, in-network treatment facilities cost less due to the higher coverage for the treatment facility. Out-of-network programs usually cost more since an individual pays a higher percentage of the treatment costs.
Some policies exclude specific services associated with mental health or substance abuse. Acupuncture, art therapy or massage therapy are usually excluded from a policy, so comply with any standards noted in the plan to stay within the expected budget or costs associated with recovery.
Opt for treatment programs that follow an evidence-based or traditional treatment strategy. Programs that offer cognitive therapy, behavior modification and multiple types of counseling services help individuals reach their recovery goals without taking unnecessary risks with their health. It also ensures that the policy covers the treatment program.
Most policies from Aetna allow individuals to seek out-patient treatment, but might limit residential care or detoxification services. Comply with any standards set by the policy to make sure that the coverage applies to the treatment program. Ideally, an individual only enters a Hawaii rehab center after evaluating a policy from Aetna in a home state and then making sure that the facility works with the insurance provider.
Aetna insurance policies in Hawaii allow individuals to seek treatment for addiction and mental health disorders, but the details vary based on the policy and the employer. Follow any standards set by the insurance provider in a policy before starting a treatment program. For more information about treatment programs in Hawaii or working with an insurance provider for long-term recovery goals, use the tools at RehabCenter.net today.
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