Sometimes, the idea of rehabilitation and recovery treatment conjures up the images of luxury clinics reserved exclusively for celebrities. In the minds of many people, these treatment centers seem more like a spa than a medical care facility, and it leaves them feeling like treatment is only for the elite. The fact of the matter is, there are qualified treatment centers throughout the entire country, including in Georgia. These facilities provide effective treatment to patients from all backgrounds. Health insurance policies help patients get the care that they need at a price they can afford. Aetna is one health insurance provider that offers policies with great coverage for behavioral health care services and substance abuse treatment at qualified facilities.
Importance of Substance Abuse Coverage in Health Insurance Plans
The Affordable Care Act requires all health insurance providers who sell policies through the Marketplace to include coverage for behavioral health care services and substance abuse treatment. The law recognizes that addiction is a serious physical and emotional condition that requires treatment in order to effectively overcome. This ensures that people who are addicted to drugs and alcohol can have access to the care that they need. The amount of coverage that a patient receives for their treatment will vary based on the health insurance plan that they select for themselves.
Coverage is typically provided for both inpatient and outpatient treatment centers, providing patients with the flexibility they need to select the right program for their own personal needs. An outpatient counseling center allows patients to balance their normal daily obligations with ongoing treatment. A residential facility gives them the chance to focus entirely on their recovery. In many cases, patients are able to incorporate holistic treatment services into their care plan. Acupuncture, nutritional therapy, art therapy, and yoga are a few examples of holistic treatment options that might be available at a rehab center.
Aetna Health Care Policies in Georgia
There are several coverage levels available through Aetna in Georgia. People who are hoping to purchase insurance through Aetna can choose from gold, silver, bronze, or catastrophic plans.
The gold plan is a premium plan that provides patients with coverage for about 80 percent of their treatment costs, but this plan requires people to pay the highest monthly premium. The silver plan is a moderate level that provides patients with coverage for about 70 percent of their service costs, and the monthly premiums are lower than the gold plan. The bronze plan is the most affordable option, as it has the lowest monthly premiums, however, it only provides coverage for about 60 percent of treatment services. The catastrophic plan is a specialized plan available only to people under the age of 30 who also qualify for a hardship exemption. The catastrophic plan has low monthly premiums and provides 100 percent coverage for recommended preventative care and screenings.
Coverage for Rehabilitation Treatment through Aetna
One Aetna health care plan in Georgia is the GA Aetna Bronze $15 Copay OAMC plan. Patients with this plan will receive coverage for addiction treatment services at both inpatient and outpatient treatment centers. If the patient selects an in-network facility, they do not have to pay coinsurance fee or copay for their treatment. If they decide to receive treatment at an out-of-network facility, they have to pay a 30 percent coinsurance fee for their treatment.
Another plan is the GA Aetna Silver $10 Copay OAMC plan. This plan also provides coverage for substance abuse treatment services. At an in-network, outpatient treatment center, the patient must pay a $75 copay per visit, but the deductible is waived for this service. At an in-network, inpatient treatment center, the patient is required to pay 30 percent coinsurance fee after they pay a $500 copay per admission. At an out-of-network facility, the patient is responsible for a 30 percent coinsurance fee.
Contact Us For More Information
If you or someone you love is battling addiction, the time is now to take action. Contact us at DrugRehab.org today, and we will help you find a facility in Georgia that accepts your Aetna health insurance plan. We look forward to helping you as you take this first important step toward recovery and a life of sobriety.