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Aetna Insurance Coverage

Aetna was founded in 1850 and has grown to become the third-largest health insurance provider by membership. The national insurer was acquired by CVS in 2018, expanding treatment options within the drugstore for those insured through Aetna. Aetna rehab coverage helps reduce the cost of addiction treatment in a variety of settings.

Questions Answered in This Article

Aetna Substance Abuse Treatment Options

Aetna is one of many national insurance providers to specifically cover addiction rehab. Aetna’s substance abuse treatment is included with both their HMO and PPO plans. You can expect to see the following types of addiction treatment covered to some extent:

Aetna Substance Abuse Guidelines

Aetna’s substance abuse guidelines closely follow the American Society of Addiction Medicine’s criteria for diagnosing alcohol use disorder and substance use disorder. While this is not an exhaustive list, you can expect your initial discussions with an addiction specialist to include the following questions which help them determine what type of care your insurance may qualify you for:

Addictions Covered Under Aetna Insurance Policies

With the passing of the Affordable Care Act, all insurance providers were mandated to cover behavioral and substance abuse treatments. While each patient’s policy is unique, you can expect to see the most common addictions covered under your Aetna policy:

Does Aetna cover mental health services?

In short, yes. The medical community has come a long way in recognizing that addiction often goes hand-in-hand with mental illness; both of which needing treatment to encourage long-term sobriety. Aetna may cover many popular treatments like Cognitive Behavioral Therapy, Eye Movement Desensitization and Reprocessing, and even Biofeedback (depending on the plan).

Aetna Coverage: Paying for Rehab

While substance abuse treatment is deemed an essential service under the Affordable Care Act, the level of coverage offered by insurance companies will differ. Typically, you can elect a higher coverage plan at an increased monthly cost, or select a lower coverage plan at a reduced monthly cost.

What length of treatment does Aetna cover?

The length of treatment covered depends on the client’s personalized recovery plan as well as the setting they are receiving treatment in. Approved Aetna residential treatment centers typically cover between 1-6 weeks of treatment, while approved Aetna outpatient treatment centers are typically covered for 4-12 weeks.