How Aetna Can Offer Help
Addiction services shouldn’t be a big financial burden on the patient, so planning out finances ahead of time can save a lot stress from occurring later. This is where Aetna has health insurance plans with substance abuse coverage that may help. Make sure that you have the right plan with Aetna by speaking to an insurance representative and ask them about your specific addiction treatment coverages. For instance, there are two main types of health plans from Aetna with that coverage: The Aetna Medicare Elite Plan and The Aetna Medicare Premier Plan.
Aetna Medicare Elite
The Medicare Elite plan comes in two separate tiers. One tier is a PPO with higher premiums, while the other is an HMO option with less medical care options. Addiction treatment services can be covered, regardless of which tier the client has. Within the Medicare Elite addiction treatment plan you can find low monthly premiums from $0 to $40. On the other hand, deductibles with this plan can be upwards of $750 to $1000.
Aetna Medicare Premier
Aetna’s other main addiction treatment plan is a bit simpler but features lower costs for the consumer. There is only one tier with this treatment plan, and it’s only available as a PPO with substance abuse treatment coverage. With a monthly premium around $90 and a deductible of $0, this is a very cost-efficient option.
Finding good deals with insurance providers will help lighten the financial burden down the road. Look up your insurance provider’s website to see if there is a mental health or substance abuse section that explains Aetna addiction treatment coverage. Insurance information can be complicated, so we’ll have people ready to help answer your questions if you reach out to us today.
Getting Coverage Without Insurance
Aetna’s health plans offer substance abuse treatment options with relatively low costs and easy to understand details. That being said, some people may have trouble finding insurance coverage for the services they need. Luckily, there are other ways of paying for substance abuse care than insurance. When insurance is giving you difficulty with coverage for addiction treatment, then see if other payment methods work for you. Other options for getting your treatment covered are:
Using Medicaid and Medicare Insurance
These two insurances were designed to help those who have trouble getting access to healthcare coverage. Medicaid and Medicare are both federally funded and administered throughout the states. Usually, Medicare applies to those over 65 or have a disability, whereas Medicaid is a healthcare coverage program for people with very low incomes and others who qualify. In New York state, Medicaid can possibly cover the residential and outpatient rehab costs if it’s reasonable and necessary for the patient. The individual circumstances of each person will determine which aid programs you qualify for. Fortunately, Medicare and Medicaid are accepted at rehab facilities in just about every major city in the United States.
For some people, Medicare and Medicaid still aren’t accessible because they don’t qualify. Even in this instance, there is still something you can do to deliver vital addiction treatment to someone who needs it. Namely, there are payment assistance plans offered by select rehab centers that will allow payment to be accomplished through determining what you pay each month and out of pocket based on your income. We can help you find a treatment facility that accepts such payment methods.
Finding a treatment center that gives you the services you need at the cost you want can be a chore. Thus, we are here to make the process easier for you. Call us today at the number below and start working to turn your life around with the tools you have.
Treatment is Always Available
Getting insurance coverage is the easiest way of getting treatment covered by most people. However, there are always times when people need a plan B in life. Medicare and Medicaid can be there to provide that assistance if need be. Coverage for Aetna addiction treatment can be found as long as you don’t lose hope.
At the end of the day, payment plans are offered by rehab centers in almost every major American city. Sliding fee scales services are also offered at some facilities for those individuals who might not have insurance at all. Make the commitment to improve your health and the finances will take care of themselves.
When running into problems with insurance or treatment coverage, persistence is what keeps people going and solves their problems. If you need a helping hand, we can provide that by helping you find the rehab center that you need and offers the right services. If you have any questions about the process, we can help you with that too. Change your life or someone you love by reaching out to us at 402-268-9960. Learn about the next steps for addiction treatment.