Recovering from drugs or alcohol requires appropriate treatment. When a mental health disorder complicates the treatment process, an individual needs appropriate tools and solutions to address their situation. In Virginia, Aetna policies allow individuals to seek treatment for substance abuse or a mental health disorder. The details of the policy help identify the right treatment program for specific needs and goals.
The basic coverage from any Aetna policy in Virginia depends on the situation. Generally, the policies allow individuals to seek treatment for substance abuse or a mental health disorder. Since Aetna offers a catastrophic policy and a variety of different plans and options, the details related to the coverage vary significantly.
In most cases, the policy pays for a portion of the treatment costs after the deductible. Certain policies waive the deductible for outpatient treatment and only require a stated copayment rate. Other policies require the full cost of the deductible before coverage applies to treatment. In most cases, the deductible ranges from roughly $1,000 to $6,500, but the exact costs vary between plans.
Variations in Different Policies
Since Aetna offers several policies, including bronze, silver, and gold plans, the exact details and costs of treatment vary. Most of the policies pay a percentage of the treatment costs and require a stated copayment rate. For example, a gold policy might pay about 80 percent of the treatment costs for inpatient rehab programs. In that situation, the individual pays 20 percent of the costs as a copayment. The rates for outpatient treatment usually focus on a monetary amount, such as $10 per visit, so the exact expense of treatment varies significantly.
Along with the out-of-pocket costs, the monthly expenses also vary. Generally, the policies with a low monthly cost require the highest deductibles and out-of-pocket costs. The policies with the highest monthly costs usually offer greater coverage for treatment and recovery.
Pay attention to any details related to the network. Some policies only pay for in-network treatments or set limitations on the coverage when working with an out-of-network facility. Evaluate the treatment program and ensure that the policy covers the cost of treatment as an in-network facility before finalizing a treatment plan.
Rehab Program Options
After ensuring that your policy covers the cost of treatment and the exact copayment rates, compare your treatment options. Consider the type of treatment available in the facility. Some programs offer holistic treatment options while others take a traditional approach to recovery.
Traditional treatments use counseling, group therapy and similar tools to address substance abuse. Most facilities offer some level of traditional treatment while also offering more comprehensive solutions. Holistic programs take a whole-person approach to recovery and offer a wide array of different treatment solutions. For example, it uses alternative treatments and medical treatments to address physical ailments. It also uses tools like personal belief systems to provide appropriate spiritual guidance.
Evidence-based facilities usually use scientific studies to determine an appropriate plan of action. It uses cognitive therapy and behavior modification to change the way individuals act and behave. It addresses the underlying thought processes and actions individuals take when using a substance or engaging in a negative action. In most programs, the facility offers traditional treatments and more comprehensive solutions based on the specific needs of the individual.
Select a program with a detox service when working on substance abuse and addiction. A detox program provides medical supervision during the withdrawal symptoms and helps address complications associated with the process of removing a substance from the body. A medically supervised program allows individuals to focus on their specific goals without giving up on their needs and health.
Compare inpatient and outpatient programs based on your specific situation. Usually, outpatient treatment costs less and allows individuals to stay at home while working on recovery. Residential treatment requires the individual to leave their home and stay in the facility during treatment, but it also allows the person to focus on their goals and health.
Selecting a Facility
The right facility for your needs in Virginia depend on your coverage and your situation. Generally, you have treatment options available to address substance abuse and mental health disorders that comply with the standards of your Aetna policy. To compare your options, contact us at DrugRehab.org today.