Rehab Centers That Accept Aetna Insurance in New York
Buying an insurance policy that helps with potential health problems requires the right combination of tools and options. In New York, Aetna offers a variety of group or employer-based policies. Although every policy offers different coverage options, Aetna does cover the cost of mental health and rehab treatments for substance use disorders.
What Most Policies Cover
Aetna policies in New York help pay for addiction treatment and the key to choosing the right one is recognizing the limitations in a particular policy and comparing the options to find the right plan. In most policies through Aetna, the plan covers the cost of out-patient treatments, like counseling services and cognitive therapies, as long as an individual complies with the standards of the insurance policy.
Aetna offers several different plans and options, so New York residents can select a policy that does not require a referral from a medical professional or other limited standards. Generally, individuals have options through Bronze, Silver, and Gold policies. A Bronze policy usually has the lowest monthly payments, but it also has higher out-of-pocket expenses and slightly less coverage.
Silver policies fall in the middle in relation to cost and coverage. Although Gold policies usually have a higher monthly premium, they also have a lower out-of-pocket expense and more coverage for healthcare needs. Some policies do require an in-network provider. Limitations in the policies vary based on the type of plan and the degree of coverage you purchased.
Managing Rehab Costs
Treating an addiction to drugs or alcohol often requires professional treatment. Since Aetna insurance policies in New York offer coverage to help pay for the treatments, you must evaluate your options before identifying the right program.
Opt for an in-network treatment provider to get the best rates available. In most cases, an in-network treatment provider costs less than an out-of-network provider. If your policy requires a referral, then talk to a primary care doctor and select a program that helps with substance abuse or mental health disorders.
Some policies do not cover the cost of in-patient treatment or have limited coverage for residential care. Read the details before assuming that the policy covers the full cost of treatment. Look for any limitations on the type of treatment that the policy covers or types of programs that the plan excludes to get the best rates. The insurance policy usually covers a portion of the treatment, but the exact cost of recovery depends on factors like the duration of treatment and the severity of any health complications.
Emergency Care And Necessary Treatment
Regardless of the details in the policy, Aetna does cover the cost of any emergency detox services or necessary treatments that occur due to substance abuse. Generally, emergency care and treatments for emergency detoxification after substance abuse have limited costs. The coverage usually pays for a portion of the hospital expenses and medical treatments after paying the deductible.
In general, Aetna plans in New York also set a final limit on the total cost an individual or family pays for treatment throughout the year. If an emergency arises, then the policy covers a percentage of the expenses and sets a specific co-payment amount for the treatments.
When a loved one abuses drugs or alcohol, it harms his or her well-being. In some cases, it leads to emergency detoxification or rehab services that add up and raise concerns about the financial future of the household. Fortunately, Aetna insurance policies through an employer or broker in New York help pay for the costs of rehab treatments and offer a variety of options to simplify the treatment process.
Resources about addiction and recovery
