Health care coverage provides people with opportunities to get the treatment and medical care that they need in various situations. From preventative care to treating chronic illnesses, health coverage has become a vital part in the everyday life of the average American. In addition to helping people stay well and feel better, health coverage also makes addiction treatment services more affordable. It’s critical that people realize that health care coverage can help reduce the cost of addiction treatment at a qualified rehab center. The majority of people in Wisconsin who are addicted to drugs and alcohol do not get the care that they need, and one major reason for this is that many believe they cannot afford substance abuse treatment services. Aetna is one health care coverage provider that provides benefits for behavioral health care and substance abuse treatment.
Aetna Coverage in Wisconsin
Aetna is a major provider of health care coverage throughout the United States. Through its main corporation and also through its subsidiaries, Aetna offers health insurance policies to people in Wisconsin. The plans are available in three different metal levels: gold, silver, and bronze.
The gold health care plans are considered premium plans. These plans cover approximately 80 percent of health care costs, but they also require the highest monthly premiums. Gold plans are ideal for someone who requires medical treatment on a regular basis, because the deductibles and out-of-pocket costs are lower.
The silver health care plans are a moderate option for those who are interested in purchasing a policy. The silver plans cover about 70 percent of health care costs, and it offers lower monthly premiums than the gold plans. This is an affordable option for many families who are interested in health care coverage.
The bronze health care plans are the most affordable option, as these plans have the lowest monthly premiums. While the monthly premiums are low, people who purchase this type of plan will have to pay higher out-of-pocket costs for their medical care and treatment services. These plans cover about 60 percent of all health care costs.
Coverage for Substance Abuse Treatment Services Through Aetna
In nearby Illinois, there are several plans available for those who are interested in purchasing Aetna health care coverage. One plan is the IL Aetna Silver $10 Copay Savings Plus OAMC PD. Patients who purchase this plan will receive coverage for both inpatient substance abuse treatment services and outpatient substance abuse treatment services. At an in-network, inpatient facility, patients will pay a 30 percent coinsurance fee as well as a$500 copay per admission. At an out-of-network, inpatient facility, patients must pay a 50 percent coinsurance fee. At an in-network outpatient facility, patients must pay a $75 copay per visit, but the deductible is waived. At an out-of-network, outpatient facility, patients must pay a 50 percent coinsurance fee.
Another plan available is the IL Aetna Gold $10 Copay Savings Plus OAMC PD. Under this plan, patients who receive substance abuse treatment at an in-network, inpatient facility have to pay a 20 percent coinsurance fee. If they opt to receive treatment at an out-of-network provider, they must pay a 50 percent coinsurance fee. Patients who seek treatment at an in-network, outpatient facility will pay a $40 copay per visit, and the deductible is waived. At an out-of-network, outpatient facility, patients must pay a 50 percent coinsurance fee.
Types of Treatment Options for Addiction
Patients who require treatment for addiction should evaluate their options and decide on a program that best fits their individual needs and desires. Outpatient treatment allows patients to balance their daily obligations with their recovery treatment program. Patients attend private and group counseling sessions as they focus on their sobriety. Inpatient treatment facilities provide patients with a safe place to stay while they focus entirely on their recovery journey. They receive counseling as well as medical care and detoxification services.
Find Out More Information Today
If you or someone you love are displaying the signs and symptoms of addiction, the time is now to take action. By entering a recovery treatment program, you will get the support you need in order to detoxify and maintain sobriety. Contact us at DrugRehab.org in order to find out more information about Aetna health care coverage and treatment facilities in Wisconsin that accept your health care plan.