Drugs and alcohol alter the way that individuals manage their lifestyle. Addiction interferes with personal relationships and harms the health of the individual. When you or a dependent loved one abuse a substance, seeking professional treatment in a rehabilitation facility provides the tools to start working on long-term goals and health. Aetna insurance policies allow individuals to seek treatment in an appropriate facility without worrying about budgeting or costs.
Treatment Options for Long-Term Goals
A key factor that determines whether an individual recovers from substance abuse or a mental health disorder is the treatment that he or she obtains. A rehabilitation program in Arkansas allows individuals to seek solutions that address their specific needs.
Effective programs recognize that each person has different goals, needs and concerns that contribute to substance abuse. The best program for your situation depends on personal beliefs, preferences, and hobbies. Generally, a holistic or evidence-based approach to recovery allows individuals to focus on their goals. A holistic program recognizes that several factors contribute to the situation and it uses a variety of tools to handle recovery. During the program, individuals use traditional treatments like counseling and group therapy, as well as medical treatments, alternative treatments, and even spiritual treatments like meditation and yoga. It addresses the situation from multiple angles so that an individual has the tools to recover.
Evidence-based programs also provide traditional treatments, but it also uses science to determine appropriate solutions. Treatments focus on tools like cognitive-behavioral therapy and psychological treatments.
Generally, individuals choose between out-patient and in-patient programs. An out-patient program allows more flexibility, but can distract from recovery. In-patient programs focus solely on recovery and remove the individual from their home environment. It allows individuals to focus on their long-term goals without distractions. Long-term treatments, such as 90- to 120-day programs, also provide the tools to accomplish personal goals and are ideal when an individual needs more assistance to avoid substance abuse.
Aetna Policies Through Employers
In Arkansas, Aetna provides coverage to individuals through employer group plans. An employer-provided policy allows individuals to seek treatment, but it follows the requirements and preferences of the employer rather than the individual. Depending on the situation, the exact details and options vary significantly.
Generally, employers offer different policy options through Aetna. A basic policy covers substance abuse and mental health disorders, but the deductible and the co-payments vary. For example, a basic policy might set a high deductible of $4,000 per person and only cover 70 to 80 percent of the treatment costs. More comprehensive policies from an employer usually set a lower deductible, such as $1,000 per person, and cover a higher percentage of the treatment expense, such as 90 percent.
Compare options an employer offers to ensure that the policy addresses personal concerns and goals. Employers in Arkansas generally work with a one-to-one HealthFund or an Open Choice Plan through Aetna, so the details in any plan vary between companies and policies.
Limits and Exceptions
Aetna insurance policies provided by an employer set limitations and exceptions that apply to your coverage. Generally, the policies allow you to seek treatment in a rehab program for addiction recovery and mental health disorders. Some policies set limits on the duration of your treatment, such as 30 days per year in a residential facility. The policies also set limits on coverage for out-of-network programs unless an employer offers an Open Choice policy.
Exceptions in the policy describe specific treatments or situations that the insurance does not cover. For example, a policy does not usually cover experimental treatments since it does not have any proof that the treatment works for substance abuse. Read the details of your policy before assuming that your coverage applies to every treatment available in a facility.
Selecting a Treatment Program
Treating substance abuse or a mental health disorder starts with understanding your options and comparing the different programs that help address the situation. In Arkansas, you have coverage options to address addiction, so you or a loved one can seek treatment in a professional rehab facility. For more information about treatment programs and facilities in Arkansas or to compare different options, contact us at DrugRehab.org today.