Abusing drugs and alcohol impacts personal health in unexpected and potentially deadly ways. When you or a loved one needs treatment for substance abuse or a mental health disorder that contributes to addiction, you want to work with your insurance provider for an appropriate solution. Aetna policies in Alaska allow individuals or dependent loved ones to seek treatment for substance abuse or mental health disorders to start the recovery process.
Treatment Solutions for Addiction
Treating an addiction to drugs or alcohol requires an appropriate rehabilitation program. Depending on your goals and situation, the best facility to address your needs in Alaska will vary.
In most cases, individuals benefit from programs that offer evidence-based, traditional and holistic treatment options. By developing a personalized treatment plan, a facility ensures that each individual has appropriate tools to focus on long-term recovery goals.
Holistic programs evaluate an individual’s need from multiple directions. For example, if an individual shows signs of a co-occurring disorder, then a facility offers treatment for mental health conditions as well as substance abuse. Individuals who show signs of physical ailments that contribute to substance abuse benefit from appropriate medical treatments. Holistic programs evaluate every factor and then create an appropriate treatment plan.
Evidence-based treatments use tools like cognitive behavioral therapy or appropriate psychological treatments that have scientific studies to back up the effectiveness of the treatment. Depending on the facility, it can also offer traditional treatments like counseling and group therapy as part of the recovery process.
As a general rule, you want to work with a treatment facility that offers options for co-occurring disorders as well as detoxification services. A medically supervised detox program ensures that you start the recovery process without taking risks with your personal health.
Aetna Coverage in Alaska
In the state of Alaska, Aetna offers coverage through group policies and employer-provided options. As a result, the exact details and options depend on the needs of the group, the goals of the employer and the size of the company. Aetna usually offers policies for small and mid-sized companies with different options for coverage.
When evaluating coverage from Aetna through an employer, consider the deductible and the co-payment rates. Generally, Aetna policies offer coverage for mental health disorders and addiction, but you must pay the stated deductible before the coverage applies. Exact deductible amounts vary based on the policy and the group. For example, a standard policy might require a deductible of $3,000 per year while a basic policy requires a deductible of $5,000 per year. Expect some variation in the cost of co-payments and the percentage of treatment the policy covers.
Exceptions and Employer-Related Limitations
Policies provided by an employer set limitations on the overall coverage based on the needs and the goals of the business. In many cases, the policies have specific exceptions that impact your treatment options. For example, it might exclude treatment in an out-of-network facility or the policy might refuse to pay for certain alternative or experimental treatments.
Always read the details of the policy to determine the exceptions and limitations stated in the policy. Employers also play a role in the limitations and exceptions that apply to your coverage by selecting policy options for employees. Since your employer provides options for coverage, expect policies that comply with the standards and needs of the company rather than your personal goals. Aetna policies in Alaska are group plans that focus on the needs of the group. That can mean that you have limited coverage for mental health disorders if the group has a low rate of treatment for certain conditions.
Expect to pay more when you work with out-of-network treatment providers, since most Aetna policies limit your coverage or set higher out-of-pocket costs when working with out-of-network programs and facilities.
Comparing and Selecting Rehab Programs
Rehabilitation programs in Alaska help individuals find the right tools to address substance abuse or a mental health disorder. Depending on your specific needs and the type of policies an employer provides to employees in the company, the coverage and treatment options available through Aetna vary. Contact us at DrugRehab.org today to learn more about selecting a program or to compare different options.