Treating an addiction to drugs or alcohol starts with identifying your options. Whether you want a facility with solutions for co-occurring disorders or you need a treatment program that allows you to continue working in your current job, your insurance policy plays a key role in your choices and options. In Washington state, Aetna offers coverage through employers, so the details of the policy depend on the situation and the goals of the company.
Aetna policies offer coverage for substance abuse and mental health disorders. The specific details regarding costs and deductibles vary between plans, but most allow individuals to seek treatment as long as they comply with the standards in the policy.
Generally, the coverage pays for a larger portion of in-network treatments when compared to out-of-network options. Some Aetna policies offer more flexibility, but the specific details and options depend on the employer’s standards and the needs of the group. As a general rule, the policies pay roughly 60 to 80 percent of the treatment costs after you pay the stated deductible. While the details vary between policies and employers, Aetna does offer standard and comprehensive policy options for group and employer-provided plans. The comprehensive or Gold policies offer greater coverage for treatment and lower out-of-pocket expenses when compared to the standard or Silver policies. Generally, the Silver policies offer a lower monthly cost, but also have a slightly higher deductible and out-of-pocket cost.
Plans from Employers
Aetna offers different policy options through employers based on the size of the company and the needs of the business. The Aetna HealthFund One-to-One policy allows employees and employers to set aside a health savings account for medical costs. By using the savings account to pay for rehab treatments and copayments, an individual has the funds available to cover any expenses associated with the treatment.
A small business policy for different company sizes also provides an opportunity to select different policies. Aetna offers a variety of group policies for companies with 1 to 50 employees in Washington state. The details of the policies vary, but most plans offer reasonable deductibles and copayment rates.
The policies from Aetna for employers usually cover a larger portion of the treatment costs in an in-network facility. The deductible and the copayment rates for out-of-network programs result in higher out-of-pocket costs; however, the deductible for in-network treatments usually range from $250 to $1,350 for an individual, depending on the specific policy. Out-of-network costs generally double the cost of the deductible, so pay attention to any information about the network of the facility.
Identifying Treatment Programs
After ensuring that the policy covers the treatment and the facility is an in-network program, consider your personal goals and concerns. Substance abuse and mental health disorders impact your life and health. By focusing on treatment programs that address your specific goals, you improve the success rate of the treatment program.
Generally, you have two options available for rehab treatments: inpatient and outpatient treatments. Residential, or inpatient, treatments remove the individual from their home environment and allow them to focus on recovering. Outpatent programs allow individuals to stay at home and come in for treatment around their work schedule and personal obligations. The best program depends on personal needs and goals.
Compare the different treatment solutions and options available in the facility. You want to focus on programs with several treatment options to limit the risk of complications. In most cases, programs with holistic and evidence-based treatments allow individuals to address their concerns and treat the underlying cause of addiction. Evidence-based treatments use cognitive behavioral therapy to change thoughts and actions by recognizing the situation. Holistic treatments recognize several causes of addiction and develop a personalized plan to address specific needs.
Most programs offer traditional treatments like counseling and group therapy. You also want a program with detox services and solutions for co-occurring disorders to address any possible complication associated with substance abuse.
Selecting a Facility
Addressing substance abuse or a mental health disorder starts with your insurance policy. Aetna allows individuals to seek treatment for addictions or mental health disorders. Contact us at DrugRehab.org for more information about treatment options in Washington or to compare different facilities.