Mental health and substance abuse impact the way that individuals manage their lifestyle and relationships. When you or a dependent loved one abuses drugs or alcohol, you want to seek professional treatment in an appropriate rehab facility. Depending on your situation and insurance coverage, the options available to address substance abuse or a mental health disorder vary. In Maine, you have treatment options available through an Aetna policy that help address your needs and goals.
In Maine, Aetna offers coverage for mental health disorders that differs based on the specific policy you select and the options an employer provides. While the insurance provider offers policies through employer or group plans, you can select different options based on the size of the company, the specific group, and the needs of your family.
The basic coverage in any policy from Aetna allows you to seek treatment for substance abuse or a mental health disorder. The exact amount of coverage depends on the specific policy. For example, a comprehensive group policy usually pays a specific percentage of the treatment costs, like 80 or 90 percent. A basic policy still pays a portion of the treatment costs, but it is usually lower than the most comprehensive plans and the policy usually requires a higher deductible before coverage applies to the treatment program.
Deductible rates vary between policies and programs. For example, in-network facilities usually require a lower deductible to be met when compared to out-of-network programs. Deductible rates vary significantly, but most individuals pay $1,000 to $4,500 in total deductibles. The most basic policies usually require a higher deductible payment and a higher maximum out-of-pocket expense for each year.
Options From Employers
Aetna policies in Maine are available through employers and certain groups. Since employers make decisions about the needs of the group, the options available for any individual vary between companies and the size of the company. In most cases, Aetna offers a variety of options for employers that range from basic and standard policies to comprehensive plans. Some employers do not offer all of the policy options to employees, so the exact detail and coverage will vary between companies.
Expect limitations in any policy before finalizing a treatment program. While Aetna policies usually pay for a percentage of the treatment costs associated with substance abuse recovery, the policy can limit the duration of treatment or the type of appropriate treatment for individuals. For example, a policy might limit outpatient treatment to a set number of sessions or visits in a one year period. Furthermore, policies can exclude experimental or certain alternative therapies when seeking treatment in a holistic program. Avoid excluded treatments to ensure that the policy covers the situation.
Comparing Treatment Facilities
The details in any Aetna policy depend on the situation and personal goals. In most cases, the best treatment facility is a personal choice based on the underlying factors that contribute to your substance abuse.
As a general rule, you want to work with a facility that offers treatment for co-occurring disorders. That means it has the tools to address mental health disorders and addiction at the same time. You also want to consider programs that offer medically-supervised detox programs or that help connect individuals to appropriate detox services before starting treatment. The detox services help remove the substance from the body and allow individuals to focus on healing during treatment.
While the best treatment facility depends on personal goals, you have outpatient and inpatient facilities that help with your goals. An outpatient program allows you to manage career goals and maintain personal obligations without giving up on recovery and treatment. Inpatient, or residential programs, allow individuals to focus on recovery without any distractions.
In most cases, you want to select a holistic or evidence-based treatment facility. The programs create personalized treatment plans that use traditional tools like counseling and group therapy, with new techniques like cognitive behavioral therapy. A holistic program also evaluates the person as a whole and helps address the underlying causes of substance abuse.
Selecting a Program
Addiction recovery in Maine starts with the treatment facility and your insurance policy. Aetna policies allow you to seek treatment, but the costs and options depend on the policy your employer provides and offers to employees or which plans you select on an individual basis. To compare treatment options or to learn more about working with your insurance provider, contact us at DrugRehab.org.